2315 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 2315 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Vacant Land
Lot Size	0.091 acres (3,963 sqft)
Owner	2 Individual Names on File
Last Sale	$340,221 (Apr 2026)
Tax Bill	$837 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11731-500-190`

Property Details

APN / Parcel Number

Primary APN	`11731-500-190`

Exterior

Lot Area	3,963 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide

Location & Zoning

Street Address	2315 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2983
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	SWEETBAY PHASE 1D NORTH A LOT 524 ORB 4678 P 1325
Legal Subdivision	SWEETBAY PHASE 1D NORTH A
Legal Lot Number	524
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

Source: Bay County assessment roll, as of January 5, 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 File
Mailing Address	321 COLUMBUS ST, PANAMA CITY BEACH, FL 32407-3280
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Special Warranty Deed · Conventional Mortgage VANDERBILT MORTGAGE
Apr 21, 2026	Special Warranty Deed · Conventional Mortgage VANDERBILT MORTGAGE AND FINANCE, INC
May 8, 2025	Special Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	May 8, 2025 · Amount on Record
Deed Document Number	202623705
Deed Book / Page	5026 / 409
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 21, 2026
Property Address	2315 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983
Document Number	0050260409
Book / Page	5026 / 409
Instrument Date	Apr 17, 2026
Instrument	202623705
Record Updated	Jul 6, 2026
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240,536.55
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 COLUMBUS ST, PANAMA CITY BEACH, FL 32407-3280

Mortgage

Document Number	0000023706,
Date	Apr 21, 2026
Instrument	202623706

Lender

Name	VANDERBILT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 21, 2026
Property Address	2315 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983
Document Number	0000023705
Book / Page	5026 / 409
Instrument Date	Apr 17, 2026
Instrument	2026.23705
Record Updated	May 8, 2026
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240,536.55
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 COLUMBUS ST, PANAMA CITY BEACH, FL 32407-3280

Mortgage

Document Number	0000023706,
Date	Apr 21, 2026
Instrument	2026..23706

Lender

Name	VANDERBILT MORTGAGE AND FINANCE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 8, 2025
Property Address	2315 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983
Document Number	0049102281
Book / Page	4910 / 2281
Map Reference	MB 30 PG 21-24
Instrument Date	Apr 28, 2025
Instrument	2025025593
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Tax	$7,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 WRIGHT PL STE 220, 220, CARLSBAD, CA 92008-6584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3111 TIMBERLAKE RD # 100, 100, VESTAVIA, AL 35243-2311
Investor	Possibly a Property Investor

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	$837.00 (+6.49%)	$53,040 Land $53,040	$53,040 Land $53,040
2024	$786.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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	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

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 USA Fixed Wireless	100 / 20

May also be available: AT&T, WOW Internet, Cable & Phone.

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