2105 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 2105 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 2017
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Trust Names on File
Last Sale	$302,037 (Jul 2017)
Tax Bill	$2,099 (2025)
Deeds & Mortgages	Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`11731-150-046`

Property Details

APN / Parcel Number

Primary APN	`11731-150-046`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,745 sqft Living Area
1st Floor Area	1,745 sqft
Flooring	Tile
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	5,401 sqft (0.124 acres)
Lot Dimensions	118 ft deep x 46 ft wide
Garage Type	Detached
Garage Area	484 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	390 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2105 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 78 ORB 4808 P 178
Legal Range	14W
Legal Township	03S
Legal Section	19
Legal Subdivision	SWEETBAY PHASE 1A-2
Legal Phase	1A
Legal Lot Number	78
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1016
Census Tract	1501

Owner

2105 Discovery Loop is owner-occupied and held in a trust since June 2024.

Source: Bay County records, as of January 5, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2105 DISCOVERY LOOP, PANAMA CITY, FL 32405-2772
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2017 · Amount on File
Deed Sale	Jul 26, 2017 · Amount on File
Deed Document Number	201741972
Deed Book / Page	3921 / 805
Last Transfer Date	Jun 3, 2024
Transfer Doc	0048080178
Record Updated	Jun 8, 2026

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 26, 2017
Property Address	2105 DISCOVERY LOOP, PANAMA CITY, FL 32405-2772
Document Number	0039210805
Book / Page	003921 / 000805
Instrument Date	Jul 14, 2017
Instrument	41972
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 28, 2017

Transaction

Amount	Amount on Record
Tax	$2,114.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 792 LYNN HAVEN FL 324440792, LYNN HAVEN, FL 32444-0792

Tax Assessment & Valuation

The 2025 property tax bill for 2105 Discovery Loop was $2,099 with a homeowner's exemption, down 3.5% from the year before.

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	$2,099.00 (-3.49%) Homeowner's exemption	$174,946	$378,890 Land $66,300 Building $312,590
2024	$2,175.00 (-11.91%)
2023	$2,469.00 (+3.74%) Homeowner's exemption	$165,064 (+3%)	$322,253 (+12.42%) Land $56,265 Building $265,988
2022	$2,380.00 Homeowner's exemption	$160,256	$286,662 Land $51,700 Building $234,962

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

Flood

FEMA maps place 2105 Discovery Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2105 Discovery Loop is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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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