1816 Discovery Loop , Panama City, FL 32405
$530,000
- 3
- beds
- 2 full · 1 half
- baths
- 2,338
- sqft
- 2019
- year built
$530,000
1816 Discovery Loop , Panama City, FL 32405
- 3
- beds
- 2 full · 1 half
- baths
- 2,338
- sqft
- 2019
- year built
- Status:
- Pending
- MLS #:
- 790780
- Listed By:
- David A Thomasee - Think Real Estate
- Agent Phone:
- (850) 532-7225
- Agent Email:
- david.thomasee@whenyouthink.com
Sponsoring Broker: Jennifer Ledesma, Berkshire Hathaway HomeServices Beach Properties of Florida
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.
-
- Bedrooms
- 3
-
- Bathrooms
- 2 full · 1 half
-
- Year Built
- 2019
-
- Stories
- 2.0
-
- Architectural Style
- Craftsman
-
- Construction Materials
- Frame, Vinyl Siding, HardiPlank Type
-
- Garage Spaces
- 2.0
-
- Parking Features
- Alley Access
-
- Interior Features
- Smart Thermostat
-
- Appliances
- Electric Water Heater, Gas Range, Gas Oven, Water Softener Owned
-
- Flooring
- Vinyl
-
- Patio And Porch
- Covered, Porch, Screened
-
- Pool Features
- Community
-
- Security Features
- Smoke Detector(s), Carbon Monoxide Detector(s)
-
- Cooling
- Ceiling Fan(s), Central Air
-
- Heating
- Electric
-
- Acres
- 0.12
-
- Lot Features
- Paved
-
- Utilities
- Electricity Available, Cable Connected, Underground Utilities
-
- Area
- 02 - Bay County - Central
-
- County
- Bay
-
- City
- Panama City
-
- Neighborhood
- Sweetbay
-
- Zip Code
- 32405
-
- High School
- Bay
-
- Middle School
- Jinks
-
- Elementary School
- Northside
-
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Estimated Value
$546,830
Estimated Sales Price Range:
$508,551 - $585,108
Source: Constellation Data Labs
Price History
| 06/17/2026 | Listed | $3,100 |
| Source: Central Panhandle Association of REALTORS #791480 | ||
| 06/04/2026 | Listed | $530,000 |
| Source: Central Panhandle Association of REALTORS #790780 | ||
| 09/16/2019 | Sold | $369,465 |
| Source: Central Panhandle Association of REALTORS #682693 | ||
| 04/19/2019 | Listed | $369,465 |
| Source: Central Panhandle Association of REALTORS #682693 | ||
Source: MLS Data
Deed History
| 09/19/2019 | Warranty Deed | $369,465 |
Source: Public records via Constellation Data Labs
Mortgage History
| 09/08/2020 | VA | $373,113 |
| 09/19/2019 | VA | $377,408 |
Source: Public records via Constellation Data Labs
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There are currently 509 properties available in Panama City, with 0 under contract to close soon. Properties in the city have an average sale price of $371,285 and typically spend 105 days on the market before being sold.
Want to compare this property to others available for sale in the area? Use our search to find exactly what you want among our 2,000,000+ listings and to see incredible photos to show you what is possible.
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Source: ez Home Search, MLS Data
Frequently Asked Questions
How do I schedule a tour of 1816 Discovery Loop?
We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 1816 Discovery Loop.
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How do I get more information about 1816 Discovery Loop?
Click Ask a Question to talk with our team. You already know it is a 3 bed, 2 bath, listed for $530,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Panama City, and can even get you in to see the property quickly.
How much is the monthly mortgage payment for 1816 Discovery Loop?
With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 1816 Discovery Loop at around $3,296. This includes estimated property taxes and insurance.
Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.
How do I get pre-approved to buy 1816 Discovery Loop?
Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.
Or, let us connect you with our preferred local lender in Bay County. They will give you all of your available financing options, based on your specific situation and what is available to you.
Can I negotiate the asking price for 1816 Discovery Loop?
In most cases, yes. Whether 1816 Discovery Loop is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Panama City's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.
How do I make an offer on 1816 Discovery Loop?
We can handle that for you. Our preferred local agent specializes in residentials in Panama City and can guide you through every step of the offer process.
You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.
What is the price per square foot for this home?
This home is listed at $530,000 with 2,338 sqft of space—that comes out to approximately $227 per square foot.
How long has this property been on the market?
1816 Discovery Loop was listed on June 04, 2026, which means it's been on the market for 157 days.
Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.
When was this house built?
This home was built in 2019, making it approximately 7 years old.
What is the lot size of this property?
1816 Discovery Loop sits on a 0.12-acre lot, which is 5,227 square feet.
What schools are assigned to this property?
Based on MLS info, this home is zoned for:
- Elementary: Northside
- Middle: Jinks
- High: Bay
Want to see how these schools compare? Check out our Bay County School Guide to see ratings, reviews, and more for the schools in the area.
What are the property taxes for 1816 Discovery Loop?
The most recent public record shows annual property taxes for 1816 Discovery Loop were approximately $5,070. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.
Is there an HOA fee for this property, and what does it cover?
This home has an HOA fee of $441 paid quarterly.
This covers access to community features including: Playground, Pool, Other.
Is 1816 Discovery Loop still available for sale?
This home is pending sale, which means the seller has accepted an offer. You can favorite it to track status or ask our expert to help you find similar homes in this area. We'll also let you know if this property comes back on the market.
Source: ez Home Search, MLS Data
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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Central Panhandle Association of REALTORS. All rights reserved.
Last Updated: November 08, 2026 at 01:05PM | Source: Central Panhandle Association of REALTORS | MLS#: 790780
