2331 Discovery Loop, Panama City, FL 32405 Property Records

Bay County property record for 2331 Discovery Loop, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,672 sqft
Lot Size	0.091 acres (3,963 sqft)
Owner	Individual Name on Record
Last Sale	$367,449 (Apr 2025)
Tax Bill	$5,402 (2025)
Deeds & Mortgages	Nov 2025 Transfer Apr 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11731-500-170`

Property Details

APN / Parcel Number

Primary APN	`11731-500-170`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,672 sqft Living Area
Gross Area	2,200 sqft

Exterior

Lot Area	3,963 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Total Buildings	2 Buildings

Location & Zoning

Street Address	2331 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 520 ORB 4792 P 1334
Legal Subdivision	SWEETBAY PHASE 1D NORTH A
Legal Lot Number	520
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 5, 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 Record
Mailing Address	2331 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Intrafamily Transfer, Transfer
Apr 29, 2025	Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE
May 8, 2025	Special Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE
Apr 16, 2024	Special Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Assessor's Deed Record

Deed Names	Name 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	202523440
Deed Book / Page	4907 / 1338
Last Transfer Date	Nov 11, 2025
Transfer Doc	0049750608
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Nov 19, 2025
Property Address	2331 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983
Document Number	0049750608
Book / Page	4975 / 608
Map Reference	MB 30 PG 24
Instrument Date	Nov 11, 2025
Instrument	2025067467
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2331 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 29, 2025
Property Address	2331 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983
Document Number	0049071338
Book / Page	4907 / 1338
Map Reference	MB 30 PG 25
Instrument Date	Apr 28, 2025
Instrument	2025023440
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Tax	$2,572.50
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	2331 DISCOVERY LOOP, PANAMA CITY, FL 32405-2983

May 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 8, 2025
Property Address	2331 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

April 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 16, 2024
Property Address	2331 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

Transaction

Amount	Amount Recorded
Tax	$9,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 WRIGHT PL, CARLSBAD, CA 92008-5526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3111 TIMBERLAKE RD, 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	$5,402.00 (+587.28%)	$342,035 (+607.85%) Land $53,040 Building $288,995	$342,035 (+607.85%) Land $53,040 Building $288,995
2024	$786.00 (+127.83%)	$48,320 (+425.05%) Land $48,320	$48,320 (+425.05%) Land $48,320
2023	$345.00	$9,203 Land $9,203	$9,203 Land $9,203

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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