Bay County property record for 2327 Discovery Loop, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,672 sqft |
| Lot Size | 0.091 acres (3,963 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $338,354 (Apr 2025) |
| Tax Bill | $4,975 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11731-500-175 |
| Primary APN | 11731-500-175 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,672 sqft Living Area |
| Gross Area | 1,816 sqft |
| Lot Area | 3,963 sqft (0.091 acres) |
|---|---|
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Total Buildings | 2 Buildings |
| Street Address | 2327 DISCOVERY LOOP |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-2983 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SWEETBAY PHASE 1D NORTH A LOT 521 ORB 4792 P 1334 |
| Legal Subdivision | SWEETBAY PHASE 1D NORTH A |
| Legal Lot Number | 521 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 1501 |
Source: Bay County records · APN 11731-500-175
Assessment roll updated January 5, 2026 · Last verified April 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 | 2327 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 09, 2026 | Deed of Trust, Mortgage · FHA Mortgage CHURCHILL MORTGAGE CORP |
| Apr 29, 2025 | Warranty Deed, Transfer · Conventional Mortgage ONE FLORIDA BANK |
| Apr 16, 2024 | Special Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2025 · Amount on Record |
| Deed Sale | Apr 29, 2025 · Amount on Record |
| Prior Sale | Apr 16, 2024 · Amount on Record |
| Deed Document Number | 202523435 |
| Deed Book / Page | 4907 / 1296 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 2327 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2327 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983 |
| Document Number | 0050101641 |
|---|---|
| Date | Mar 09, 2026 |
| Book Page | 5010/1641 |
| Instrument | 2026014235 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BRENTWOOD, TN 37027 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 29, 2025 |
| Property Address | 2327 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983 |
| Document Number | 0049071296 |
| Book / Page | 4907 / 1296 |
| Map Reference | MB 30 PG 25 |
| Instrument Date | Apr 28, 2025 |
| Instrument | 2025023435 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,368.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3111 TIMBERLAKE RD, VESTAVIA, AL 35243-2311 |
| Name | Verified Name |
|---|---|
| Address | 2327 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983 |
| Document Number | 0049071301 |
|---|---|
| Date | Apr 29, 2025 |
| Instrument | 4907/1301 |
| Name | ONE FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 16, 2024 |
| Property Address | 2327 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983 |
| Document Number | 0047921334 |
| Book / Page | 4792 / 1334 |
| Map Reference | MB 30 PG 21 |
| Instrument Date | Apr 15, 2024 |
| Instrument | 2024021646 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $9,310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1903 WRIGHT PL, CARLSBAD, CA 92008-5526 |
| Name | Verified Name |
|---|---|
| Address | 3111 TIMBERLAKE RD, VESTAVIA, AL 35243-2311 |
| Investor | Possibly a Property Investor |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,975.00 (+532.95%) | $315,025 (+3,323.07%) Land $53,040 Building $261,985 | $315,025 (+3,323.07%) Land $53,040 Building $261,985 |
| 2024 | $786.00 (+127.83%) | ||
| 2023 | $345.00 | $9,203 Land $9,203 | $9,203 Land $9,203 |
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 |
|---|---|
| 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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