2316 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 2316 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.085 acres (3,703 sqft)
Owner	Company Name on Record
Last Sale	$365,488 (Mar 2025)
Tax Bill	$837 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Sep 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`11731-450-305`

Property Details

APN / Parcel Number

Primary APN	`11731-450-305`

Exterior

Lot Area	3,703 sqft (0.085 acres)
Lot Dimensions	75 ft deep x 53 ft wide

Location & Zoning

Street Address	2316 DISCOVERY LOOP
City	PANAMA CITY
State	FL
Zip	32405-2983
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	SWEETBAY PH 1D-NORTH-B LOT 605 ORB 4898 P 402
Legal Subdivision	SWEETBAY
Legal Phase	1D
Legal Lot Number	605
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1014
Census Tract	1501

Owner

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	Company Name on Record
Mailing Address	421 JENKS AVE UNIT 2549, 2549, PANAMA CITY, FL 32402-7803
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST COLONY MORTGAGE CORP
Sep 30, 2024	Special Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2025 · Amount on Record
Deed Sale	Mar 31, 2025 · Amount on Record
Prior Sale	Sep 30, 2024 · Amount on Record
Deed Document Number	2025017236
Deed Book / Page	4898 / 402
Record Updated	Jun 8, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 31, 2025
Property Address	2316 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983
Document Number	0048980402
Book / Page	4898 / 402
Map Reference	MB 30 PG 21
Instrument Date	Mar 28, 2025
Instrument	2025017236
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,558.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3111 TIMBERLAKE RD, VESTAVIA, AL 35243-2311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 JENKS AVE UNIT 2549, 2549, PANAMA CITY, FL 32402-7803

Mortgage

Document Number	0004898407
Date	Mar 31, 2025
Instrument	4898/407

Lender

Name	FIRST COLONY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

September 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 30, 2024
Property Address	2316 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983
Document Number	0048452060
Book / Page	4845 / 2060
Map Reference	MB 30 PG 21
Instrument Date	Sep 23, 2024
Instrument	2024057720
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Tax	$4,900.00
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 July 1, 2025

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	$53,040 Land $53,040	$53,040 Land $53,040

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

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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