1816 Discovery Loop, Panama City, FL 32405
Property image
Property image
FOR SALE

$530,000

Original price: $540,000
  • 3 Beds
  • 2.5 Baths
  • 2,338 sqft

1816 Discovery Loop, Panama City, FL 32405

Est. Mortgage $3,595/mo*
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Home Highlights

Single-Family Home
Built in 2019
$227/sqft
Garage
HOA $147/mo

Local Information

  • Map ViewExplore the area around 1816 Discovery Loop.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

ASSUMABLE VA LOAN AT AN ESTIMATED 2.25% INTEREST RATE! Qualified buyers may have the opportunity to assume the seller's existing VA loan, with an estimated balance of approximately $319,000--a financing opportunity that can make a significant difference in the monthly cost of homeownership.

Enjoy the best of SweetBay living in this beautifully upgraded 3-bedroom, 3.5-bath home with 2,314 square feet, a golf cart-friendly lifestyle, exceptional energy-efficient features, and a convenient location near University Academy.

Built in 2019, the home has been thoughtfully upgraded for comfort, efficiency, and everyday living. Custom features include a pantry, under-stair storage room, built-in library shelving and cabinetry in the loft, living room storage benches, and a dedicated laundry folding station with additional storage.

Major improvements include a new roof installed in 2025, PAID-OFF SOLAR PANELS, tankless water heater, whole-home water softener, reverse osmosis drinking water system, UV air purification on both HVAC units, solar-powered attic fan, hurricane shutters, gutters, and smart irrigation. Together, these energy-efficient improvements contribute to an average electric bill of approximately $70 per month.

Outside, you'll find a screened lanai, fenced backyard with an expanded golf-cart access gate, hardscaped outdoor areas, detached rear-entry garage, and convenient curbside parking. Additional features include custom cellular shades, ceiling fans throughout, heavy-duty garage shelving, an ADT security system, and extensive built-in storage.

Located in one of Panama City's most sought-after communities, SweetBay offers parks, trails, waterfront amenities, community events, and convenient access to shopping, dining, and everyday necessities.

With extensive upgrades, remarkably low energy costs, and the potential to assume a VA mortgage at an estimated 2.25% interest rate, this home offers an opportunity that's increasingly difficult to find. VA loan assumption is subject to lender/servicer approval, buyer qualification, and applicable VA requirements.
Last check for updates: about 7 hours ago
Listing courtesy of David A Thomasee, (850) 532-7225
Think Real Estate
Dien and Andrew Group, (850) 600-0605
Think Real Estate
Originating MLS: Central Panhandle Association of REALTORS
Source: CPAR, MLS#790780
Also Listed on CPAR.

Home Details for 1816 Discovery Loop

Interior Features

Interior Details
Number of Rooms: 4Types of Rooms: Master Bedroom, Bedroom, Family Room
Beds & Baths
Number of Bedrooms: 3Number of Bathrooms: 3Number of Bathrooms (full): 2Number of Bathrooms (half): 1
Appliances & Utilities
Utilities: Cable Connected, Electricity Available, Underground UtilitiesAppliances: Electric Water Heater, Gas Oven, Gas Range, Water Softener Owned
Heating & Cooling
Heating: ElectricHas CoolingAir Conditioning: Central Air,Ceiling Fan(s)Has HeatingHeating Fuel: Electric
Gas & Electric
Has Electric on Property
Levels, Entrance, & Accessibility
Stories: 2Number of Stories: 2Levels: Two
Security
Security: Carbon Monoxide Detector(s), Smoke Detector(s)

Exterior Features

Exterior Home Features
Roof: ShinglePatio / Porch: Covered, Porch, ScreenedFencing: PrivacyExterior: Porch
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Has a GarageNo Attached GarageParking Spaces: 2Parking: Alley Access
Pool
Pool: Community
Frontage
Road Frontage: City StreetResponsible for Road Maintenance: Public Maintained RoadNot on Waterfront
Water & Sewer
Sewer: Public Sewer

Days on Market

Cumulative Days on Market: 92Days on Market: 104

Property Information

Year Built
Year Built: 2019
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Craftsman
Building
Construction Materials: HardiPlank Type, Vinyl Siding, Wood FrameNot a New Construction
Property Information
Parcel Number: 11731250450

Price & Status

Price
List Price: $530,000Price Per Sqft: $227

Active Status

MLS Status: Active

Location

Direction & Address
City: Panama CityCommunity: Sweetbay
School Information
Elementary School: NorthsideJr High / Middle School: JinksHigh School: Bay

Agent Information

Listing Agent
Listing ID: 790780

Building

Building Area
Building Area: 2338 Square Feet

Community

Community Features: Basketball Court, Beach, Playground, Pool
Other
Playground

HOA

HOA Fee Includes: Other, Playground, Pool(s), See RemarksAssociation for this Listing: Central Panhandle Association of REALTORSHas an HOAHOA Fee: $441/Quarterly

Lot Information

Lot Area: 5227.2 sqft

Listing Info

Special Conditions: Listed As-Is

Energy

Energy Efficiency Features: Solar Panel(s)

Rental Terms, Policies & Fees

Are Units Furnished: None

Miscellaneous

Mls Number: 790780Living Area Range Units: Square FeetAbove Grade Unfinished Area Units: Square FeetBelow Grade Unfinished Area Units: Square FeetUniversal Property Id: US-12005-N-11731250450-R-N

Additional Information

Basketball CourtBeachPlaygroundPool

Around this home

What Locals Say about Panama City

At least 485 Trulia users voted on each feature.

  • 87 % Say car is needed

  • 82 % Say parking is easy

  • 81 % Say it's dog friendly

  • 80 % Say yards are well-kept

  • 75 % Say there's holiday spirit

  • 67 % Say kids play outside

  • 64 % Say it's quiet

  • 61 % Say people would walk alone at night

  • 52 % Say they plan to stay for at least 5 years

  • 51 % Say neighbors are friendly

  • 46 % Say there are sidewalks

  • 45 % Say streets are well-lit

  • 38 % Say there's wildlife

  • 37 % Say it's walkable to restaurants

  • 37 % Say it's walkable to grocery stores

  • 26 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Aaliyah Beam
    "A lot of people let their dogs free roam around which can be bothersome. They will come into your yard if they want and if you have a reactive dog it can cause a lot of problems"
    2
    Flag
  • Kelliej1313
    "Annual gatherings & parades.everybody meets up for potlucks, holiday gatherings and golf cart parades. We are very close to downtown where there are often festivals and markets. There are also events for the children at Halloween."
    2
    Flag
  • Nino Maruashvili
    "It's very safe and friendly neighborhood. In college station community you can see kids walking and playing around like in our childhood. I love everything about it. It has easy access to grocery stores and shopping. "
    1
    Flag
  • Emili Turnage
    "i live in st andrews & i love it here! the area is super fun, super safe, & there is always something interesting going on. we're also very close to the water & downtown! "
    1
    Flag
  • Dana Dubose
    "Fun beach time in our backyard is our best attribute, we have sunset celebrations ceremonies every evening in the summers."
    3
    Flag
  • Albertcross37
    "My commute in and around my neighborhood is exceptional. There are no barriers or obstacles that prevents a smooth commute"
    2
    Flag
  • Trulia User
    "Traffic is too fast and dangerous it’s not safe area for children to play they drive too fast and everybody is looking at cellphones "
    2
    Flag
  • Trulia User
    "we have a rap party a couple times a month at the end of the street. block parties every other weekend "
    1
    Flag
  • Trulia User
    "dogs roaming free and never maintained. cars speeding down the roads loud noises. unruly kids the kids can be mean to animals "
    1
    Flag
  • Trulia User
    "It’s known to have high rates of crime. The schools located in this neighborhood have extreme violence. "
    2
    Flag
  • Trulia User
    "I see people walking dogs all the time and they are all very well trained dogs.Makes it nice to see them so wl behaved. "
    0
    Flag
  • Trulia User
    "Everyone pitches is when there’s a need. Holidays are always special with Easter egg hunts or Christmas progressive diners. A real sense of community. "
    1
    Flag
  • Michael A
    "Dogs seem welcomed and most people have at least one dog. The only problem I have is with people walking their dog from outside the immediate area, across the road into a different neighborhood and coming over to the area around me and not picking up behind them "
    0
    Flag
  • Kiara G.
    "To many strays running lose and some people don’t clean up behind their dogs at all i live in magnolia pointe "
    0
    Flag
  • Susan L.
    "People walk their dogs here. It's safe to to so, even at night. I've never seen dogs running loose. "
    1
    Flag
  • George B.
    "I've lived here 32 years and love it. Beach is gorgeous and in town has a nice charm.Good community "
    0
    Flag
  • Jennifer N.
    "In this neighborhood I don’t see many dog walkers because they all have a yard for their dogs so not many have to walk their dogs. When I do see a person walking their dog in this neighborhood they are friendly and always walk their dogs on a leash in this neighborhood. "
    0
    Flag
  • Kristi W.
    " several other dogs in the neighborhood, all well trained, and maintained by their owners "
    0
    Flag
  • Margarita C.
    "Best place to live, friendly and the safest place I've ever lived in and or visited. love driving through and seeing how clean the areas are from gas stations to parks, it is absolutely beautiful . The beaches are amazing, we truly love fishing from the pier and afterwards enjoying a delicious and affordable dinner along the beaches many wonderful restarunts. "
    0
    Flag
  • Lmas0602
    "great place to raise children. Schools are wonderful. Teachers really care about the students and ensure they are learning"
    0
    Flag
  • Laderriabyrden
    "It is a quiet family friendly environment that is neatly kept for the most part. The only issues I have had is people stealing from cars where doors are unlocked, but this can happen anywhere."
    0
    Flag
  • Mary F.
    "Even dough this is a pretty safe neighborhood I would say please keep an eye on there kids since the storm you never know what can happen."
    0
    Flag
  • Tim G.
    "Lived here for 11 years now and went through Hurricane Michael. Convenient to downtown and St. Andrews. Local restaurants and beach attractions. "
    0
    Flag
  • Pamelia1966
    "Neighbors are very friendly and they watch out for each other. Nothing is too far from the neighborhood "
    6
    Flag
  • Marissamarie961
    "This town was ok for the most part until hurricane micheal. Now its unlivable with high rental prices the average worker cant afford. Kindness has left this town and all that's left is snooty rich people and the average people living in tents cars or campers in front of torn apart houses."
    0
    Flag
  • Laderriabyrden
    "I've lived here for years and have never had concerns for my safety until after the hurricane. The neighborhood is quiet and clean and for the most part neighbors are courteous."
    0
    Flag
  • Peg S. J.
    "Ive lived here 18 years, neighbors are good people we respect each other’s privacy while at the same time being available to help each other if needed"
    13
    Flag
  • Laurette C.
    "Great park for kids safe area. family and pet friendly. you can ride a bike or walk to Piggly Wiggly and a couple of Dollar stores. "
    0
    Flag
  • Stephcrites
    "I have lived here for 2 years and absolutely LOVE our neighborhood. If you are in need of anything, most any of the neighbors will help you out. (Neighborhood Facebook page gives everyone access to each other). Great schools and access."
    14
    Flag
  • Randy W.
    "Easy and quick. I only live 2.3 miles from my work. Traffic is usually always really light when I’m heading into the office. So everything is perfect here! "
    0
    Flag
  • Jrblaster
    "Great neighbors and serene community. Great and quick access to amenities. I enjoy this place. "
    0
    Flag
  • JB
    "We just experienced a category 4.99 Hurricane... we are a stronger community and neighborhood for it. "
    0
    Flag
  • Shirley C.
    "My neighborhood is very nice. Well kept houses and considerate neighbors. I enjoy living here very much. "
    3
    Flag
  • Carmel
    "Prior to Hurricane Michael my commute and traffic were not really an issue for me a long commute for me was an extra 5 minutes of I had to stop for a train or there was an accident. Since Hurricane Michael I have to plan ny cross town travelers around the traffic flows. "
    0
    Flag
  • Hannah
    "I drive my car but you can take a trolley as well. I’m not sure what else to say because that really the only options I do see people walking and riding bikes"
    0
    Flag
  • Barbara A.
    "my neighborhood has a lot of traffic. its near movie theater and stores.its walking distance. Not a quite neighborhood. but I have been living here for 7 years."
    0
    Flag
  • Meloberlander
    "busy af in the morning. traffic lights haven't been updated since the 70s. busy af at night. if theres a car crash you're going to be stuck for awhile "
    0
    Flag
  • Heather W.
    "Veteran's day parade to the Veteran's Park. Every Christmas Santa rides a fire truck through the neighborhoods and waves to the children."
    0
    Flag

Market trends in Panama City

Last updated August 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$290K
$2.1KMoM
Sale-to-List Price
97.6%
0.4%MoM
Price per sq ft
$181
$0MoM
Available listings
411
40MoM

Home Value

Trulia Estimate
$521K
Since last month
Decreased$12K (-2.2%)
Since last year
Decreased$18K (-3.3%)
Since last sale
Increased$147K (+39.9%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +255% in the last 10 years
MonthEstimated value
2026
September 2026$517K
August 2026$526K
July 2026$529K
June 2026$531K
May 2026$524K
April 2026$513K
March 2026$514K
February 2026$508K
January 2026$506K
2025
2024
2023
2022
2021
2020

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
1717 Discovery Loop, Panama City, FL
0.06
Single-Family Home
$440,000
09/22/25
3
2
1,736
1812 Daffodil St, Panama City, FL
0.07
Single-Family Home
$430,000
08/26/26
3
2
1,862
1616 Plover St, Panama City, FL
0.07
Single-Family Home
$585,000
02/24/26
3
2.5
2,399
3113 Heartleaf Ave E, Panama City, FL
0.22
Single-Family Home
$440,000
02/17/26
3
2
1,849
2013 Warbler St, Panama City, FL
0.15
Single-Family Home
$595,000
05/27/26
3
2.5
2,489
1645 Daffodil St, Panama City, FL
0.11
Single-Family Home
$444,238
07/20/26
3
2
1,392
1725 Calamint St, Panama City, FL
0.19
Single-Family Home
$465,000
06/30/26
3
2
1,754
1604 N Discovery Loop, Panama City, FL
0.09
Single-Family Home
$555,000
06/22/26
4
3.5
2,426
1321 Savory Ct, Panama City, FL
0.20
Single-Family Home
$485,000
03/06/26
3
2
1,768
3225 Golden Rod Ct, Panama City, FL
0.05
Single-Family Home
$585,000
06/24/26
4
2.5
2,486

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
1800 Discovery Loop, Panama City, FL 32405
0.03
$551,500
3
2.5
2,392
Off Market
1717 Discovery Loop, Panama City, FL 32405
0.06
$435,000
3
2
1,736
Off Market
1821 Daffodil St, Panama City, FL 32405
0.04
$611,900
4
2.5
2,366
Off Market
1616 Plover St, Panama City, FL 32405
0.07
$585,000
3
2.5
2,399
Recently Sold
1608 Plover St, Panama City, FL 32405
0.07
$435,000
3
2
1,710
For Sale
3208 Pogonia Ct, Panama City, FL 32405
0.07
$656,000
5
4
3,142
Off Market
1836 Discovery Loop, Panama City, FL 32405
0.04
$578,000
4
2.5
2,340
Off Market
3225 Golden Rod Ct, Panama City, FL 32405
0.05
$585,000
4
2.5
2,486
Recently Sold
1604 N Discovery Loop, Panama City, FL 32405
0.09
$555,000
4
3.5
2,426
Recently Sold
1812 Daffodil St, Panama City, FL 32405
0.07
$430,000
3
2
1,862
Recently Sold
1517 Sundew Ave, Panama City, FL 32405
0.07
$885,000
5
4
3,190
Recently Sold

Price and Tax history

DateEventPrice
Sep 4, 2026
Source: CPAR #790780
PriceChange
$530,000
Price decreased by 2%
Aug 16, 2026
Source: CPAR #790780
PriceChange
$540,000
Price increased by 17,319%
Jun 17, 2026
Source: CPAR #791480
Listed For Rent
$3,100
Jun 4, 2026
Source: CPAR #790780
Listed For Sale
$545,000
Sep 16, 2019
Source: CPAR #682693
Sold
$369,465

LGBTQ Local Legal Protections

David A Thomasee, Think Real Estate
Agent Phone: (850) 532-7225
IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.

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Frequently asked questions about 1816 Discovery Loop

  • What is the estimated monthly payment for 1816 Discovery Loop?
    Based on a $530,000 list price with 20% down at today's rates, the estimated monthly payment for 1816 Discovery Loop in Panama City, FL is approximately $3,528 (about $2,892 principal & interest, $561 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • How does the list price for 1816 Discovery Loop compare to homes in Panama City?
    1816 Discovery Loop in Panama City, FL is listed at $530,000, about 83% above the $290K median sale price in Panama City.
  • What do residents say about Panama City?
    Residents describe Panama City, FL as easy to park in, dog-friendly, and well-kept. Most residents say you need a car. See homes for sale in Panama City, FL.
  • What are the closest schools to 1816 Discovery Loop?
    The closest schools to 1816 Discovery Loop in Panama City, FL are Bay High School (rated 4/10), Jinks Middle School (rated 2/10), Northside Elementary School (Pre-K, rated 4/10).
  • Does 1816 Discovery Loop have air conditioning?
    Yes, 1816 Discovery Loop in Panama City, FL has air conditioning.
  • Does 1816 Discovery Loop have a pool?
    Yes, 1816 Discovery Loop in Panama City, FL has a pool.
1816 Discovery Loop, Panama City, FL 32405 is a 3 bedroom, 3 bathroom, 2,338 sqft single-family home built in 2019. This property is currently available for sale and was listed by CPAR on Jun 4, 2026. The MLS # for this home is MLS# 790780.