Bay County property record for 2101 Discovery Loop, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,370 sqft · built 2017 |
| Lot Size | 0.148 acres (6,447 sqft) |
| Owner | Individual Name on File |
| Last Sale | $612,000 (Jun 2022) |
| Tax Bill | $7,875 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11731-150-045 |
| Primary APN | 11731-150-045 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,370 sqft Heated Area |
| Gross Area | 3,362 sqft |
| 1st Floor Area | 1,090 sqft |
| 2nd Floor Area | 1,280 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,447 sqft (0.148 acres) |
| Lot Dimensions | 118 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 360 sqft |
| Porch | Porch |
| Porch Area | 508 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2101 DISCOVERY LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-2772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SWEETBAY PHASE 1A-2 LOT 77 ORB 4579 P 1393 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 19 |
| Legal Subdivision | SWEETBAY PHASE 1A-2 |
| Legal Phase | 1A |
| Legal Lot Number | 77 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1501 |
Source: Bay County records · APN 11731-150-045
Assessment roll updated July 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2101 DISCOVERY LOOP, PANAMA CITY, FL 32405-2772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST WESTERN BANK & TRUST |
| Jan 24, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage INNOVATIONS FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 22, 2022 · Amount on Record |
| Deed Sale | Jun 22, 2022 · Amount on Record |
| Prior Sale | Jan 24, 2018 · Amount on Record |
| Deed Document Number | 2022046886 |
| Deed Book / Page | 4579 / 1393 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 22, 2022 |
| Property Address | 2101 DISCOVERY LOOP, PANAMA CITY, FL 32405-2772 |
| Document Number | 0045791393 |
| Book / Page | 4579 / 1393 |
| Map Reference | MB 25 PG 50 |
| Instrument Date | Jun 14, 2022 |
| Instrument | 2022046886 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,284.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3224 HEARTLEAF AVE E, 3224, PANAMA CITY, FL 32405-2774 |
| Name | Verified Name |
|---|---|
| Address | 2101 DISCOVERY LOOP, PANAMA CITY, FL 32405-2772 |
| Document Number | 0045791395 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 4579/1395 |
| Name | FIRST WESTERN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 24, 2018 |
| Property Address | 2101 DISCOVERY LOOP, PANAMA CITY, FL 32405-2772 |
| Document Number | 0039740148 |
| Book / Page | 3974 / 0148 |
| Map Reference | MB25 PG5 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 2018004701 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1903 WRIGHT PL STE 220, 1903, CARLSBAD, CA 92008-6584 |
| Name | Verified Name |
|---|---|
| Address | 2101 DISCOVERY LOOP, PANAMA CITY, FL 32405-2772 |
| Document Number | 2018004702 |
|---|---|
| Date | Jan 24, 2018 |
| Instrument | 2018004702 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2033 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,875.00 (-2.69%) Homeowner's exemption | $540,656 (+5.99%) | $596,785 (+16.99%) Land $66,300 Building $530,485 |
| 2023 | $8,093.00 (+31.51%) Homeowner's exemption | $510,116 (+40.46%) Land $56,265 Building $453,851 | $510,116 (+40.46%) Land $56,265 Building $453,851 |
| 2022 | $6,154.00 | $363,174 Land $51,700 Building $311,474 | $363,174 Land $51,700 Building $311,474 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, WOW Internet, Cable & Phone.
Based on FCC filings for 300 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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