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2201 Brooke St
D- Composite 39.91
Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • ARV discount +14.1/15.0
  • Cash flow +8.6/30.0
  • Schools +4.3/10.0
  • Livability +3.4/5.0
  • Rent growth +3.1/5.0
  • Condition / age +2.5/5.0
  • DSCR +2.4/10.0
  • 1% rule +1.5/10.0
  • Appreciation +0.0/10.0

$319,900

2201 Brooke St · Upper Grand Lagoon, FL 32408
3 bd · 3.0 ba · 1,360 sqft · SingleFamily public records · 502 Days on market
Built 2007 653 sqft lot $235/sqft · 15% below area Est $375k · 15% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Discover your ideal Panama City Beach retreat without the burden of high HOA fees with this charming home! This delightful 3-bedroom, 2.5-bathroom residence is ideally situated within walking distance to the beach making it the perfect match for your coastal living dream. Nestled on a prime corner lot, this property is a versatile gem ideal for Airbnb investment or personal use. The main level boasts an inviting open concept layout with stainless steel appliances, a spacious pantry, laundry room, and extra storage. Step upstairs to discover three bedrooms, including a master suite with a walk-in closet. The second bedroom features balcony access and charming views, while the third bedroom exudes comfort. With a sturdy metal roof above, this home is built to stand the test of time. The backyard deck has been recently updated, adding to the home's appeal. Additionally, the stairs and hallway upstairs now boast new Life proof floors. Experience the great neighborhood ambiance with attractions nearby, plus the convenience of extra parking and a designated dog-walking area. Don't miss out on this opportunity to own a home that combines proximity beach access with affordable ownership. Call now to book your private tour!

Key facts

  • Spacious pantry
  • Extra storage
  • Laundry room

Tags

CORNER LOTOPEN CONCEPT LAYOUTSTAINLESS STEEL APPLIANCESSPACIOUS PANTRYLAUNDRY ROOMEXTRA STORAGE

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/3.0-bath single-family listed at $320k.

Deal economics

  • At list price, monthly cash flow is $-272 ($-3k/yr) — negative.
  • To cash-flow at today's rent, offer at most $272k (15.0% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $208k (35.1% below list).
  • Recommended offer: $208k (35.1% below list) — sets the bar for 1% rule.
  • Cap rate 5.3% vs local median 3.2% in Upper Grand Lagoon — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 67/100 on livability (#583 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, crime A, cost of living B+; Watch: schools D, amenities F, commute F.
  • Bay (suburban): math 51% / reading 51% proficiency, ranked #29 of 73 in FL (top 40%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: Rents rising (+2.5%/yr); 1022 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,473 units permitted in Bay County in 2024 (559 in 5+ unit buildings).
  • This rent runs 31% of the median local income ($81k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
  • Bay County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 502 days — a 12% lower offer ($282k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts since 20y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $135k; list at $320k implies a 137% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $207,755 (35.1% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 502 days. Have you received any prior offers? Is the seller open to a 35% concession, seller financing, or rate buy-down credit?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.65%
Cap rate
5.27%
Cash-on-cash
-3.65%
DSCR
0.84
GRM
12.8

CMA / ARV

ARV (median comp)
$374,512
List price
$319,900
Delta
-14.58%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
8645 Marlin Pl 0.23mi 3/2.5 1,458 (+7%) 3mo $262,000 $180 73
8611 Marlin Pl 0.30mi 3/2.5 1,512 (+11%) 1mo $267,500 $177 64
8615 Marlin Pl 0.29mi 3/2.5 1,536 (+13%) 0mo $268,000 $174 62
149 Sandollar Dr 0.55mi 3/2.0 1,412 (+4%) 6mo $375,000 $266 59
2813 Lagoon Knl 0.49mi 3/2.0 1,340 (-2%) 18mo $417,789 $312 56
8907 Laird St 0.03mi 3/2.0 1,553 (+14%) 19mo $425,000 $274 56
9129 Abba Ln 0.63mi 3/2.0 1,468 (+8%) 0mo $420,000 $286 53
138 Treasure Palm Dr 0.53mi 3/2.0 1,287 (-5%) 12mo $350,000 $272 52
8841 Georgette St 0.59mi 3/2.0 1,466 (+8%) 19mo $350,000 $239 40
609 Sabal Palm Way 0.70mi 3/2.0 1,526 (+12%) 9mo $415,000 $272 36
1625 Vecuna Cir 0.53mi 3/2.0 1,167 (-14%) 20mo $318,000 $272 31
8217 Singletary St 0.67mi 3/2.0 1,548 (+14%) 18mo $225,000 $145 26

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.55% rent growth · sell at horizon

5-year hold
IRR
-22.9%
Equity multiple
0.22×
Total profit
$-70,265
Equity at exit
$47,698
10-year hold
IRR
-18.5%
Equity multiple
0.02×
Total profit
$-87,936
Equity at exit
$27,659

Cash invested: $89,572 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Florida
87 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

ZIP-level market 32408

Rents YoY
2.5%
Active inventory
1022
Price-to-rent
12.8×

Monthly cashflow live

Estimated rent
$2,078 high interval (Pro) →
Mortgage (P&I)
$1,678
Tax from tax record
$103 /mo · $1,232/yr
Insurance
$133
HOA
$0
Vacancy / Maint / Mgmt
$436
Net cashflow
$-272

Break-even live

Break-even rent $2,422
Max offer price $271,806
Occupancy floor

Sensitivity live

Price -10% $-91 -5% $-182 +0% $-272 +5% $-363 +10% $-453
Rent -10% $-436 -5% $-354 +0% $-272 +5% $-190 +10% $-108
Rate -1.0pp $-111 -0.5pp $-191 base $-272 +0.5pp $-355 +1.0pp $-439

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$79,975
Closing costs
$9,597
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 31 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
2301 Anne Ave Unit 8901 Laird Panama City, FL 2.0 2.0 900 $1,625 $1.81 14d 1 0.06mi
2216 Anne Ave Panama City, FL 2.0 2.0 951 $1,300 $1.37 14d 1 0.07mi
2526 Laurie Ave Panama City, FL 2.0 2.0 950 $1,750 $1.84 14d 1 0.23mi
2521 Allison Ave Panama City, FL 2.0 2.0 980 $1,450 $1.48 21d 1 0.28mi
8604 Whelch Dr Panama City, FL 1.0–3.0 1.0–3.0 1087 $2,950 $2.71 14d 18 0.36mi
8700 Front Beach Rd Panama City Beach, FL 2.0–3.0 2.5 1543 $2,400 $1.56 14d 2 0.45mi
2917 Allison Ave Panama City Beach, FL 3.0 2.0 1592 $1,700 $1.07 21d 1 0.52mi
1609 Vecuna Cir Panama City Beach, FL 3.0 2.0 1268 $2,100 $1.66 14d 1 0.55mi
140 Treasure Palm Dr Panama City, FL 3.0 2.0 1564 $2,350 $1.50 21d 1 0.56mi
8551 Panama City Beach Pkwy Panama City Beach, FL 1.0–3.0 1.0–2.0 964 $2,184 $2.26 14d 12 0.65mi
1744 Annabellas Dr Panama City Beach, FL 3.0 2.5 1578 $2,100 $1.33 14d 1 0.69mi
1734 Annabellas Dr Panama City Beach, FL 3.0 2.5 1578 $2,100 $1.33 21d 1 0.71mi
2858 Joan Ave Unit 1523343P Panama City, FL 4.0 3.0 1754 $5,270 $3.00 14d 1 0.71mi
1846 Annabellas Dr Panama City Beach, FL 2.0 2.5 1404 $1,850 $1.32 21d 1 0.78mi
8623 N Lagoon Dr Panama City Beach, FL 2.0 2.5 1600 $2,350 $1.47 21d 1 0.89mi
8715 Surf Dr Unit 1523323P Panama City Beach, FL 2.0 2.0 1194 $5,377 $4.50 14d 1 0.89mi
2195 Wilkinson St Panama City, FL 1.0–3.0 1.0–2.0 1017 $2,355 $2.31 14d 41 0.90mi
2110 Sterling Cove Blvd Panama City, FL 2.0 2.0 1156 $1,800 $1.56 21d 1 0.92mi
2148 Sterling Cove Blvd Unit 1 Panama City Beach, FL 2.0 1.5 1152 $1,695 $1.47 21d 1 1.00mi
204 Potters Bluff Dr Panama City Beach, FL 1.0–3.0 1.0–2.0 1035 $1,947 $1.88 14d 12 1.04mi
9902 S Thomas Dr Unit 1354966P Panama City Beach, FL 2.0 2.0 1259 $1,970 $1.56 14d 1 1.08mi
9815 S Thomas Dr Unit 1523339P Panama City, FL 3.0 2.0 1259 $4,018 $3.19 21d 1 1.13mi
104 Gulfside Ct Unit 1523320P Panama City Beach, FL 3.0 3.0 1496 $5,020 $3.36 14d 1 1.21mi
998 Gulfside Ct Unit 1523366P Panama City Beach, FL 2.0 2.0 1065 $4,124 $3.87 14d 1 1.23mi
7682 Shadow Lake Dr Panama City Beach, FL 3.0 2.5 1496 $1,875 $1.25 21d 1 1.29mi
7110 London St Panama City Beach, FL 2.0–3.0 2.5 1419 $2,157 $1.52 14d 6 1.30mi
7664 Shadow Lake Dr Unit 1523352P Panama City Beach, FL 3.0 2.0 1539 $3,210 $2.09 14d 1 1.31mi
2340 Grand Oaks Ln Unit 1523381P Panama City Beach, FL 2.0 1.0 1001 $4,240 $4.24 14d 1 1.40mi
7405A Beach Dr Unit 1355031P Panama City Beach, FL 2.0 2.0 1291 $2,124 $1.65 21d 1 1.40mi
447 Water Oak Cir Panama City, FL 2.0 2.0 980 $1,800 $1.84 21d 1 1.43mi
7813 N Lagoon Dr Panama City, FL 2.0 2.0 1060 $1,900 $1.79 21d 1 1.47mi

Listing history 33 events

  1. 2026-06-19
    days on market $319,900 Active 502 DOM
  2. 2026-06-18
    days on market $319,900 Active 501 DOM
  3. 2026-06-17
    days on market $319,900 Active 500 DOM
  4. 2026-06-16
    days on market $319,900 Active 499 DOM
  5. 2026-06-15
    days on market $319,900 Active 498 DOM
  6. 2026-06-14
    days on market $319,900 Active 496 DOM
  7. 2026-06-13
    days on market $319,900 Active 495 DOM
  8. 2026-06-10
    days on market $319,900 Active 493 DOM
  9. 2026-06-09
    days on market $319,900 Active 492 DOM
  10. 2026-06-08
    days on market $319,900 Active 491 DOM
  11. 2026-06-07
    days on market $319,900 Active 490 DOM
  12. 2026-06-05
    days on market $319,900 Active 487 DOM
  13. 2026-06-03
    days on market $319,900 Active 486 DOM
  14. 2026-06-02
    days on market $319,900 Active 485 DOM
  15. 2026-06-01
    days on market $319,900 Active 484 DOM
  16. 2026-05-31
    days on market $319,900 Active 483 DOM
  17. 2026-05-30
    days on market $319,900 Active 482 DOM
  18. 2026-03-02
    status Active 1234-char remark
    Show marketing remark (1234 chars)

    Discover your ideal Panama City Beach retreat without the burden of high HOA fees with this charming home! This delightful 3-bedroom, 2.5-bathroom residence is ideally situated within walking distance to the beach making it the perfect match for your coastal living dream. Nestled on a prime corner lot, this property is a versatile gem ideal for Airbnb investment or personal use. The main level boasts an inviting open concept layout with stainless steel appliances, a spacious pantry, laundry room, and extra storage. Step upstairs to discover three bedrooms, including a master suite with a walk-in closet. The second bedroom features balcony access and charming views, while the third bedroom exudes comfort. With a sturdy metal roof above, this home is built to stand the test of time. The backyard deck has been recently updated, adding to the home's appeal. Additionally, the stairs and hallway upstairs now boast new Life proof floors. Experience the great neighborhood ambiance with attractions nearby, plus the convenience of extra parking and a designated dog-walking area. Don't miss out on this opportunity to own a home that combines proximity beach access with affordable ownership. Call now to book your private tour!

  19. 2026-02-28
    historical 1234-char remark
    Show marketing remark (1234 chars)

    Discover your ideal Panama City Beach retreat without the burden of high HOA fees with this charming home! This delightful 3-bedroom, 2.5-bathroom residence is ideally situated within walking distance to the beach making it the perfect match for your coastal living dream. Nestled on a prime corner lot, this property is a versatile gem ideal for Airbnb investment or personal use. The main level boasts an inviting open concept layout with stainless steel appliances, a spacious pantry, laundry room, and extra storage. Step upstairs to discover three bedrooms, including a master suite with a walk-in closet. The second bedroom features balcony access and charming views, while the third bedroom exudes comfort. With a sturdy metal roof above, this home is built to stand the test of time. The backyard deck has been recently updated, adding to the home's appeal. Additionally, the stairs and hallway upstairs now boast new Life proof floors. Experience the great neighborhood ambiance with attractions nearby, plus the convenience of extra parking and a designated dog-walking area. Don't miss out on this opportunity to own a home that combines proximity beach access with affordable ownership. Call now to book your private tour!

  20. 2025-12-14
    price $319,900 1234-char remark
    Show marketing remark (1234 chars)

    Discover your ideal Panama City Beach retreat without the burden of high HOA fees with this charming home! This delightful 3-bedroom, 2.5-bathroom residence is ideally situated within walking distance to the beach making it the perfect match for your coastal living dream. Nestled on a prime corner lot, this property is a versatile gem ideal for Airbnb investment or personal use. The main level boasts an inviting open concept layout with stainless steel appliances, a spacious pantry, laundry room, and extra storage. Step upstairs to discover three bedrooms, including a master suite with a walk-in closet. The second bedroom features balcony access and charming views, while the third bedroom exudes comfort. With a sturdy metal roof above, this home is built to stand the test of time. The backyard deck has been recently updated, adding to the home's appeal. Additionally, the stairs and hallway upstairs now boast new Life proof floors. Experience the great neighborhood ambiance with attractions nearby, plus the convenience of extra parking and a designated dog-walking area. Don't miss out on this opportunity to own a home that combines proximity beach access with affordable ownership. Call now to book your private tour!

  21. 2025-04-29
    price $320,000 1234-char remark
    Show marketing remark (1234 chars)

    Discover your ideal Panama City Beach retreat without the burden of high HOA fees with this charming home! This delightful 3-bedroom, 2.5-bathroom residence is ideally situated within walking distance to the beach making it the perfect match for your coastal living dream. Nestled on a prime corner lot, this property is a versatile gem ideal for Airbnb investment or personal use. The main level boasts an inviting open concept layout with stainless steel appliances, a spacious pantry, laundry room, and extra storage. Step upstairs to discover three bedrooms, including a master suite with a walk-in closet. The second bedroom features balcony access and charming views, while the third bedroom exudes comfort. With a sturdy metal roof above, this home is built to stand the test of time. The backyard deck has been recently updated, adding to the home's appeal. Additionally, the stairs and hallway upstairs now boast new Life proof floors. Experience the great neighborhood ambiance with attractions nearby, plus the convenience of extra parking and a designated dog-walking area. Don't miss out on this opportunity to own a home that combines proximity beach access with affordable ownership. Call now to book your private tour!

  22. 2025-02-01
    listed $330,000 Active 1234-char remark
    Show marketing remark (1234 chars)

    Discover your ideal Panama City Beach retreat without the burden of high HOA fees with this charming home! This delightful 3-bedroom, 2.5-bathroom residence is ideally situated within walking distance to the beach making it the perfect match for your coastal living dream. Nestled on a prime corner lot, this property is a versatile gem ideal for Airbnb investment or personal use. The main level boasts an inviting open concept layout with stainless steel appliances, a spacious pantry, laundry room, and extra storage. Step upstairs to discover three bedrooms, including a master suite with a walk-in closet. The second bedroom features balcony access and charming views, while the third bedroom exudes comfort. With a sturdy metal roof above, this home is built to stand the test of time. The backyard deck has been recently updated, adding to the home's appeal. Additionally, the stairs and hallway upstairs now boast new Life proof floors. Experience the great neighborhood ambiance with attractions nearby, plus the convenience of extra parking and a designated dog-walking area. Don't miss out on this opportunity to own a home that combines proximity beach access with affordable ownership. Call now to book your private tour!

  23. 2025-01-31
    historical
  24. 2024-08-27
    price $330,000
  25. 2024-07-19
    listed $340,000 Active
  26. 2021-12-09
    historical
  27. 2021-12-09
    historical
  28. 2014-07-01
    soldstatus $135,000
  29. 2014-06-30
    soldstatus $136,000
  30. 2014-05-14
    listed $140,000
  31. 2010-04-28
    soldstatus $118,000
  32. 2006-06-01
    listed $256,350
  33. 2006-06-01
    listed $256,350

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

Current annual tax
$1,232 · $103/mo
Projected year-2 tax
$2,655 · $221/mo
Expected delta
+$1,424/yr (+$119/mo · 115.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$24,931
− Mortgage interest
−$17,919
− Property taxes
−$1,232
− Insurance
−$1,600
− Repairs & maintenance
−$1,994
− Management
−$1,994
− Depreciation
−$9,306
Taxable loss
−$9,115
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,188
After-tax cash flow
$-1,079/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Bay
NCES district ID
1200090
Math proficiency
51% ▼ -8.00%
Reading proficiency
51% ▼ -7.00%
Median HH income
$47,740
Composite
43.41/100
National rank
#3014
State rank
#29 of 73 in FL

Livability — Upper Grand Lagoon

Score
67/100
State rank
#583
US rank
#11085

Category grades

Amenities F Commute F Cost of living B+ Crime A Employment B- Housing A+ Health & safety F User ratings A-

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Upper Grand Lagoon, FL
County
Bay County · 163,593 people
City population
18,326
Metro
Panama City, FL
Population (ZIP)
18,832
Household income
$80,822
Rent vs Own
37.0% rent · 63.0% own
Severe rent burden
817.0

Population outlook (Bay County) Hauer SSP2

Today (2025)
206,264 people
By 2030
217,740 · +5.6%
By 2040
238,738 · +15.7%
By 2050
255,545 · +23.9%
By 2075
288,295 · +39.8%
By 2100
288,638 · +39.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (81%)
Race & ethnicity
White 81% Hispanic / Latino 7% Two or more races 6% Black 3% Asian 2%
Hispanic origin (detail)
Mexican 2% Puerto Rican 2%
Common ancestry
Romanian 4% Lithuanian 4% Italian 2%
Foreign-born
11% · Canada, South Korea
Languages at home
88% English-only · Spanish 5% Russian/Polish/Slavic 4% Tagalog/Filipino 1%

Political lean MEDSL · Bay

2024 margin
Solid R (+47.4) · D 25.8% · R 73.1% · Other 1.1%
2008→2024 swing
-6.6pp toward R · 2008: -40.7pp · 2024: -47.4pp
All cycles
2024: R+47.4 2020: R+43.5 2016: R+46.3 2012: R+43.6 2008: R+40.7

Not yet ingested

Civics

Market trends

HPI YoY
▼ -202.52%
Current HPI
246.9126
Rent YoY
▲ 2.55%
Metro
Panama City, FL
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

+24.8% since first listed
16 events — show timeline
  • 2026-03-02 Relisted CPARMLS
  • 2026-02-28 Listing Removed CPARMLS
  • 2025-12-14 Price Changed $319,900 CPARMLS
  • 2025-04-29 Price Changed $320,000 CPARMLS
  • 2025-02-01 Listed $330,000 CPARMLS
  • 2025-01-31 Listing Removed CPARMLS
  • 2024-08-27 Price Changed $330,000 CPARMLS
  • 2024-07-19 Listed $340,000 CPARMLS
  • 2021-12-09 Listing Removed CPARMLS
  • 2021-12-09 Listing Removed CPARMLS
  • 2014-07-01 Sold (Public Records) $135,000 Public Records
  • 2014-06-30 Sold (MLS) $136,000 CPARMLS
  • 2014-05-14 Listed $140,000 CPARMLS
  • 2010-04-28 Sold (Public Records) $118,000 Public Records
  • 2006-06-01 Listed $256,350 CPARMLS
  • 2006-06-01 Listed $256,350 CPARMLS

Property tax history

+3.1%/yr

Latest (2025): $1,232 · +3.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…