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Planned Unit Development (Pud)Residential
$365,488
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 82How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $365,488 on Mar 31, 2025

2316 DISCOVERY LOOP

PANAMA CITY, FL 32405
0
Baths
3,703 ft²
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$365K
$299K low$432K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$365,488 · Mar 31, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$786 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$48,320 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$48,320
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$48,320
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$48,320

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
94
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Planned Unit Development (Pud)
CountyBay
Lot (acres)The size of the land the home sits on, from county records.0.09

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Northside Elementary SchoolC-
Elementary · Grades PK–5 · 1.6 mi
M
Jinks Middle SchoolD
Middle · Grades 6–8 · 2.8 mi
H
Bay High SchoolC
High · Grades 9–12 · 2.9 mi

District: Bay County School District

Neighborhood · ZIP 32405These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.79
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.31,625
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,574 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,511
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,174
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.67 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2316 Discovery Loop measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 72% of homes in Panama City 32405
  • Has a smaller lot than 92% of homes in Panama City 32405

What homes are worth in Panama City 32405

Each bar is how many homes fall in that price range. The marker is this home.

This home
$27K$777K

This home is worth more than 72% of homes in Panama City 32405.

How it measures up in Panama City 32405

The dot is this home. The mark in the middle is the typical home in Panama City 32405.

Estimated value$365,488
CheaperTypical $274,972Pricier

Pricier than 72% of homes nearby

Lot size3,703 ft²
SmallerTypical 0.25 acBigger

Bigger than 8% of homes nearby

How 2316 Discovery Loop ranks against every home in each area.
MeasureThis homePanama City 32405Bay County
Estimated valuepricier than$365,48872% of homes57% of homes
Lot sizebigger than3,703 ft²8% of homes17% of homes

About 2316 Discovery Loop

How much is 2316 Discovery Loop, Panama City, FL worth?

The TopHap Estimate for 2316 Discovery Loop, Panama City, FL is $365,488 as of Sep 24, 2026. The likely range is $299,287 to $431,689. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2316 Discovery Loop, Panama City, FL last sell?

2316 Discovery Loop, Panama City, FL last sold on Mar 31, 2025 for $365,488, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

What schools serve 2316 Discovery Loop, Panama City, FL?

2316 Discovery Loop, Panama City, FL is assigned to Northside Elementary School (elementary), rated C-; Jinks Middle School (middle), rated D; Bay High School (high), rated C. All sit in Bay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2316 Discovery Loop, Panama City, FL compare to other homes in Panama City 32405?

Among the 9,991 homes in Panama City 32405, it is worth more than 72% of them ($365,488 against a typical $274,972) and its lot is bigger than 8% of them (3,703 ft² against a typical 0.25 ac). Measured against all of Bay County, it is worth more than 57% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2316 Discovery Loop, Panama City, FL?

The 2024 property tax bill for 2316 Discovery Loop, Panama City, FL was $786. The county assessed it at $48,320.

More homes on Discovery Loop

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Assigned schools

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