1816 Discovery Loop, Panama City, FL 32405 (MLS# 790780)

1816 Discovery Loop, Panama City, FL 32405

$530,000

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,338 Lot Size (sq. ft.): 5,140 Status: Active

Current Price: $530,000 List Date: 6/04/2026 Last Modified: 9/04/2026

Overview

Description

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 wa … (Read more) 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.

Listing Details MLS# 790780

Contract Info

List Price/SqFt: 226.69

Location

Area: 02 – Bay County – Central
Street #: 1816
Street Name: Discovery
Street Suffix: Loop
State: FL
Zip Code: 32405
County: Bay
Sub Area: 0204 – Bay – Central NW
Subdivision: Sweetbay
Community/Resort: None
Waterfront: No
Parcel ID: 11731-250-450
Elementary School: Northside
Middle School: Jinks
High School: Bay
Directions: From the intersection of Sweet Bay Ave and Hwy 390, travel north on Sweet Bay Ave until you reach the intersection of Discovery Loop. Turn west onto Discovery Loop and travel approximately 3/4 of a mile. Residence will be on the right (north) side of the roadway.
Legal Description: SWEETBAY PH 1C REPLAT LOT 228 ORB 4169 P 1671

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2338
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 2019
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 45 x 115
Acreage: 0.12
Lot Size (SqFt): 5140
Pool: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 441
HOA Frequency: Quarterly
HOA Annual Amount: 1764
New Buyer Fee: Yes
New Buyer Fee Paid: $
Last Taxes: 5070
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: 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.

Family Room

First: Yes

More Information

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Oven – Gas: Yes
Range – Gas: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes
Water Softener – Owned: Yes

Interior Features

Bookcases: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Security System: Yes
Stairs: Yes

Construction/Siding

Wood/Frame: Yes
Roof – Dimensional Shg: Yes
Roof – Solar Panel: Yes
Trim – Hardie Board: Yes
Trim – Vinyl: Yes

Exterior

Columns: Yes
Fenced Privacy: Yes
Hurricane Shutters: Yes
Porch Covered: Yes
Porch Screened: Yes
Sprinkler System: Yes

Association Fees Include

Playground: Yes
Pool: Yes
Other – See Remarks: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Smart Thermostat: Yes

Lot Features

Landscaped: Yes
Sidewalk: Yes

Lot Access

Alley: Yes
City Street: Yes
Paved Road: Yes

Parking Features

Alley Access: Yes
Garage Detached: Yes
Street: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Basketball Court: Yes
Beach: Yes
Playground: Yes
Pool: Yes
Sidewalks: Yes
Trail(s): Yes

Rooms

Bedroom: Yes
Family Room: Yes
Primary Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Natural Gas – Connected: Yes
Internet – Fiber Optic: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Solar: Yes
Underground Utilities: Yes

Sale Type

As Is: Yes

Primary Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Air Purification System – Ionizer: Yes
Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Electric: Yes

Security Features

Carbon Monoxide Detector: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Microwave; Oven – Gas; Range – Gas; Refrigerator; Washer; Water Heater – Electric; Water Softener – Owned Primary Bedroom: Second Bedroom: Second Cooling: Air Purification System – Ionizer; Ceiling Fan(s); Central Air; Electric Heating: Electric Exterior: Columns; Fenced Privacy; Hurricane Shutters; Porch Covered; Porch Screened; Sprinkler System Association Fees Include: Playground; Pool; Other – See Remarks Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Smart Thermostat Lot Features: Landscaped; Sidewalk Lot Access: Alley; City Street; Paved Road Family Room: First Security Features: Carbon Monoxide Detector; Smoke Detector(s) Parking Features: Alley Access; Garage Detached; Street Association Amenities: Basketball Court; Beach; Playground; Pool; Sidewalks; Trail(s) Rooms: Bedroom; Family Room; Primary Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Garbage; Internet – Fiber Optic; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected; Solar; Underground Utilities Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	Second	14 x 14	14.00	14.00
Bedroom	Second	10 x 11	10.00	11.00
Bedroom	Second	10 x 11	10.00	11.00
Family Room	First	19 x 21	19.00	21.00

Listing Office: Think Real Estate

Last Updated: September – 04 – 2026

Information deemed reliable but not guaranteed.