Bay County property record for 2021 Discovery Loop, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,749 sqft · built 2017 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $291,118 (May 2018) |
| Tax Bill | $3,818 (2025) |
| Deeds & Mortgages | May 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 11731-150-065 |
| Primary APN | 11731-150-065 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,749 sqft Heated Area |
| Gross Area | 2,654 sqft |
| 1st Floor Area | 1,749 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 115 ft deep x 48 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 421 sqft |
| Deck Area | 480 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2021 DISCOVERY LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-2799 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SWEETBAY PHASE 1A-2 LOT 97 ORB 4008 P 1846 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 19 |
| Legal Subdivision | SWEETBAY PHASE 1A-2 |
| Legal Phase | 1A |
| Legal Lot Number | 97 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 1501 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2021 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2018 · Amount on Record |
| Deed Sale | May 16, 2018 · Amount on Record |
| Deed Document Number | 2018028996 |
| Deed Book / Page | 4008 / 1846 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 16, 2018 |
| Property Address | 2021 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799 |
| Document Number | 0040081846 |
| Book / Page | 004008 / 001846 |
| Instrument Date | May 14, 2018 |
| Instrument | 28996 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,038.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4245 DORA WOOD DR MOUNT DORA FL 327574331, MOUNT DORA, FL 32757-4331 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,818.00 (-7.1%) Homeowner's exemption | $283,825 (+5.99%) | $381,717 (+17.52%) Land $66,300 Building $315,417 |
| 2023 | $4,110.00 (+6.09%) Homeowner's exemption | $267,792 (+3%) | $324,798 (+12.38%) Land $56,265 Building $268,533 |
| 2022 | $3,874.00 Homeowner's exemption | $259,992 | $289,020 Land $51,700 Building $237,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 300 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 300 in force |
| Nearby Flood Claims | 154 (1984–2022) |
| Claims Outside the SFHA | 16 of 154 |
| Most Recent Claim | May 2022 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, WOW Internet, Cable & Phone.
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