2025 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 2025 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,344 sqft · built 2017
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Company Names on Record
Last Sale	$345,800 (Jan 2017)
Tax Bill	$594 (2023)
Deeds & Mortgages	Apr 2026 Sale May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11731-150-064`

Property Details

APN / Parcel Number

Primary APN	`11731-150-064`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,344 sqft Living Area
1st Floor Area	1,086 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,316 sqft (0.145 acres)
Lot Dimensions	115 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	660 sqft
Driveway	Driveway
Driveway Area	36 sqft
Porch	Open Porch
Porch Area	512 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2025 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 96 ORB 3869 P 2001
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-2
Legal Phase	1A
Legal Lot Number	96
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1015
Census Tract	1501

Owner

Source: Bay County records, as of May 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 17, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jun 21, 2021	Deed of Trust, Mortgage · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage INNOVATIONS FCU
Jan 31, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2017 · Amount on Record
Deed Sale	Jan 31, 2017 · Amount on Record
Prior Sale	Jun 1, 2016
Deed Document Number	20175325
Deed Book / Page	3869 / 2001
Last Transfer Date	Apr 21, 2026
Transfer Doc	0000023580
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 21, 2026
Property Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Document Number	0000023580
Book / Page	5026 / 43
Instrument Date	Apr 21, 2026
Instrument	202623580
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Transaction Type	Mortgage
Record Updated	Jun 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799

Mortgage

Document Number	0045650520
Date	May 17, 2022
Book Page	4565/520
Instrument	2022037458

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799

Mortgage

Document Number	0044230053
Date	Jun 21, 2021
Book Page	4423/53
Instrument	2021046966

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Document Number	0042662230
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2025 DISCOVERY LOOP PANAMA CITY FL 324052799, PANAMA CITY, FL 32405-2799

Mortgage

Document Number	0042662230
Date	Jun 25, 2020
Book Page	004266/002230
Instrument	41517

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 24, 2035

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 31, 2017
Property Address	2025 DISCOVERY LOOP, PANAMA CITY, FL 32405-2799
Document Number	0038692001
Book / Page	003869 / 002001
Instrument Date	Jan 20, 2017
Instrument	5325
Transaction Type	Subdivision Related Transfer
Record Updated	May 5, 2017
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2025 DISCOVERY LOOP PANAMA CITY FL 324052799, PANAMA CITY, FL 32405-2799

Mortgage

Document Number	38692004
Date	Jan 31, 2017
Book Page	003869/002004
Instrument	5326

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$357,246 (+5.99%)	$458,250 (+17.52%) Land $66,300 Building $391,950
2023	$594.00 (-88.07%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$337,066 (+3%)	$389,919 (+12.52%) Land $56,265 Building $333,654
2022	$4,977.00 Homeowner's exemption	$327,249	$346,544 Land $51,700 Building $294,844

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Hurricane Michael, Oct 2018 · 49 claims Hurricane Dennis, Jul 2005 · 13 claims Hurricane Opal, Oct 1995 · 63 claims

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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