Price Reduction - Eco Friendly
Address
1816 Discovery Loop, Panama City, FL
Price
$ 530,000
Property Attributes
- MLS#790780
- TypeSingle Family
- Listing Status Active
- CountyBay
- CityPanama City
- Area02 - Bay County - Central
- NeighborhoodSweetbay
- Zip32405
- Style
- Year Built2019
- Taxes$ 5070
- Price$ 530,000
- Bedrooms3
- Full Bathrooms2
- Half Bathrooms1
- Sqr Footage2338
- Lot Size0.12 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property 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 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.
| Elementary School | Middle School | High School |
|---|---|---|
| Northside Elementary School | Jinks Middle School | Bay High School |
| Price History | |
|---|---|
| 6/4/2026 | Listed $545,000 |
| 8/16/2026 | 1$540,000 |
| 9/4/2026 | 2$530,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Utilities | Cable Connected,Electricity Available,Underground Utilities |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Community Features | Basketball Court,Beach,Playground,Pool |
| County | Bay |
| Property Type | Residential |
| HOA | true |
| Subdivision Name | Sweetbay |
| Special Listing Conditions | Listed As-Is |
| Status | Active |
| 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. |
| High School | Bay |
| City | Panama City |
| Zoning Description | Resid Single Family |
| MLS Area | 02 - Bay County - Central |
| Lot Size Units | Acres |
| Lot Size Square Feet | 5140 |
| Elementary School | Northside |
| Tax Annual Amount | 5070 |
| Middle/Junior High School | Jinks |
| MLS Area Minor | 0204 - Bay - Central NW |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Occupancy Type | Vacant |
| Year Built | 2019 |
| Association Fee Includes | Other,Playground,Pool(s),See Remarks |
| Heating | Electric |
| Cooling | Central Air,Ceiling Fan(s) |
| Appliances | Electric Water Heater,Gas Oven,Gas Range,Water Softener Owned |
| Patio/Porch Features | Covered,Porch,Screened |
| Construction Materials | HardiPlank Type,Vinyl Siding,Wood Frame |
| Attached Garage | false |
| Garage Y/N | true |
| Total Rooms | 4 |
| Full Baths | 2 |
| Garage Spaces | 2 |
| Architectural Style | Craftsman |
| Stories Count | 2 |
| Levels | Two |
| HOA Fee | 441 |
| Assoc Fee Paid Per | Quarterly |
| Pool Features | Community |
| Security Features | Carbon Monoxide Detector(s),Smoke Detector(s) |
| New Construction | false |
| Energy Efficient | Solar Panel(s) |
| Roof | Shingle |
Interior Features
| Total Baths | 3 |
|---|---|
| Interior Amenities | Interior Steps,Smart Thermostat,Upper Level Primary |
| Furnished Units | None |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 3 |
| LivingAreaSource | Appraiser |
| Half Baths | 1 |
| Total Stories | 2 |
Exterior Features
| Lot Features | Sprinkler System,Paved |
|---|---|
| Lot Size Area | 0.12 |
| Lot Dimensions | 45 x 115 |
| Lot Size Acres | 0.12 |
| Road Frontage Type | City Street |
| Parking Features | Alley Access |
| Building Area Total | 2338 |
| Waterfront Y/N | false |
| Exterior Amenities | Porch |
| Road Responsibility | Public Maintained Road |
| Fencing | Privacy |
| Other Equipment | Air Purifier |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32405
Price
Taxes
Year Built
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The information is 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.
