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1816 Discovery Loop

Panama City, FL 32405
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Bed 3

Bed

Bath 3

Bath

Acres0.12

Acre(Lot)

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 f olding 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.

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Detail Ic Property Details

Property Type : Residential

Price : $530,000

AD Id : 80033507

MLS Id : 790780

Beds : 3

Lot Size : 0.12 Acre

Tax Amount : 5070.00

Year Built : 2019

Garage : 2

County : Bay

Subdivision: Sheridan East

  • Map Map

Map

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Feature Features

  • Bedroom Information

    Total beds: 3

    Bathroom Information

    Total Baths: 3 Full Baths: 2 Half Baths: 1

    Room Information

    Rooms Total: 4

    Roofing Information

    Shingle
  • Interior Features

    InteriorSteps, SmartThermostat, UpperLevelPrimary
    Roof: Shingle
    Appliances: ElectricWaterHeater, GasOven, GasRange, WaterSoftenerOwned
  • Heating & Cooling

    Has Heating: Yes Heating: Electric Has Cooling: Yes Cooling: CentralAir, CeilingFans

  • Building Information

    Year Built: 2019
    Building Area Total: 2338
    Construction Materials: HardiplankType, VinylSiding, WoodFrame
    Stories: 2
    Patio And Porch Features: Covered, Porch, Screened
    Pool Features: Community
    Private Pool: No
    Association Fee Frequency: Quarterly
  • Exterior Features

    Exterior Features: Porch

  • Lot Information

    Lot Dimensions: 45 x 115 Main Square Feet: 0.12 Lot Size Acres: 0.12 Lot Size Square Feet: 5,140 Lot Description: SprinklerSystem,Paved

    Property Information

    Subdivision: Sweetbay Source Property Type: Residential MLS Area Minor: 0204 - Bay - Central NW Zoning Description: Resid Single Family Property SubType: Single Family Residence Levels: Two Property Age: 7

  • Listing Price Information

    Listing Price: $530000
    Original Price: $545000

  • Tax Information

    Parcel Number: 11731-250-450 Tax Year: 2025 Annual Tax: $5070 Tax Legal Desc: SWEETBAY PH 1C REPLAT LOT 228 ORB 4169 P 1671

  • Parking Information

    AlleyAccess

    Garage Information

    Has Garage: Yes Garage Space: 2

    Homeowners Association Information

    Has Association: Yes
    Included Fees: Other, Playground, Pools, SeeRemarks
    HOA: $441.00
    Community Features: BasketballCourt, Beach, Playground, Pool

  • School Information

    Elementary School: Northside Junior High School: Jinks Senior High School: Bay
  • Utility Information

    CableConnected, ElectricityAvailable, UndergroundUtilities
  • Location Information

    Direction: 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. Security Features: CarbonMonoxideDetectors,SmokeDetectors
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Nearby Home Value

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3334 Ten Acre Road, Panama City, FL, 32405 $299,999 4 2 -- 0.12 Acre
3140 Douglas Road, Panama City, FL, 32405 $340,000 3 2 -- 0.77 Acre
2730 Denise Drive, Panama City, FL, 32405 $235,000 4 2 -- 0.23 Acre
3119 Debra Boulevard, Panama City, FL, 32405 $164,900 2 2 -- 0.05 Acre
3117 Debra Boulevard, Panama City, FL, 32405 $150,000 2 2 -- --
3112 Douglas Road, Panama City, FL, 32405 $346,500 3 2 -- 0.20 Acre
3116 Douglas Road, Panama City, FL, 32405 $365,000 3 2 -- 0.22 Acre
3008 E Nowell Court, Panama City, FL, 32405 $255,000 3 2 -- 0.17 Acre
1557 Everitt Avenue, Panama City, FL, 32405 $269,900 3 2 -- 0.15 Acre
1512 Kraft Avenue, Panama City, FL, 32405 $479,000 8 10 -- 0.23 Acre

The information being provided by Miami Association of REALTORS® is for the consumer's personal, non-commercial use. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Miami Association of REALTORS®. The accuracy of all information is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Miami Association of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Copyright 2026 Miami Association of REALTORS®. All rights reserved.

ByOwner last updated this listing 09/10/2026 @ 07:14

MLS: 790780 LISTED BY: David Thomasee, Think Real Estate 850-270-4200 SOURCE: CPAR

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