617 N 9th · Parker, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C- 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).
- Cash flow +15.5/30.0
- ARV discount +15.0/15.0
- DSCR +4.8/10.0
- Schools +4.3/10.0
- 1% rule +3.4/10.0
- Livability +3.2/5.0
- Rent growth +2.8/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$182,500
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Seller offering up to $12,000 toward roof replacement with reasonable offer! Quote available for review! Exceptional investment opportunity in the heart of Parker! Whether you're expanding your rental portfolio or securing a property with immediate income potential, this well-maintained home deserves a closer look. Major system updates provide added confidence, including a new water heater installed in February 2025 and an HVAC system replaced in 2018. Double-pane windows enhance efficiency, and the formal dining room adds functional living space that appeals to long-term tenants. The property is tenant-occupied with a lease in place through 12/15/2026, offering established rental income from day one. Location is a standout feature, approximately 5 miles (about 9 minutes) to Tyndall Air Force Base and just minutes to everyday conveniences, shopping, and dining. Enjoy close proximity to beloved local amenities including: • Parker Sports Complex, • Parker Environmental Exploratorium Park, • Under the Oaks Park, • Nearby boat ramps and fishing piers, This location supports both lifestyle appeal and rental stability, a combination investors consistently seek. Buyer to verify all measurements and information deemed important.
Key facts
- Major system updates
- Hvac system replaced
- New water heater
Tags
Property features AI
Finance
- HOA & community: Subdivision: LAKE DRIVE HEIGHTS
Exterior
- Utilities: Electric service; Public water; Public sewer
- Home design: One-story home; Other architectural style; Built in 1957; Zoned for single-family residential (city)
- Construction: Block construction
- Exterior features: Private yard; Yard building; Open patio; Paved road access
Interior
- Kitchen: Dishwasher; Refrigerator
- Bedrooms: 3 bedrooms; Primary bedroom located on the first floor; Other bedrooms located on the first floor
- Bathrooms: 1 full bathroom
- Heating & cooling: Central heating and cooling
- Interior features: Central air conditioning; AC - Central Electric
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $182k.
Deal economics
- At list price, monthly cash flow is $73 ($872/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $153k (15.9% below list).
- Recommended offer: $153k (15.9% below list) — sets the bar for 1% rule.
- Cap rate 6.8% vs local median 4.3% in Parker — 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 63/100 on livability (#704 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime C-, 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.
- Zoned schools: Parker Elementary School (math 24% / reading 32%, grade F, #1,951 of 2,144 statewide, top 91%, 496 students, 74% FRL); Rutherford High School (math 24% / reading 29%, grade F, #489 of 667 statewide, top 74%, 1,337 students, 63% FRL) — zoned schools average 69% FRL vs 48% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Zoned-school proficiency averages 27% at this address vs 51% district-wide (-24 pts) — the specific schools serving this property underperform the Bay average; the district grade overstates school quality for this exact location.
- Market conditions: Rents rising (+1.1%/yr); 969 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 2,473 units permitted in Bay County in 2024 (559 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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 55 days — a 3% lower offer ($177k) is reasonable based on typical stale-listing flexibility.
- 13 sale attempts since 17y 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 $81k; list at $182k implies a 125% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
- 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.
Questions for the listing agent
- It's been on market 55 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
- Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- 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.
- 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.
- 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
- 0.84% ✗
- Cap rate
- 6.77%
- Cash-on-cash
- 1.71%
- DSCR
- 1.08
- GRM
- 9.9
CMA / ARV
- ARV (median comp)
- $218,883
- List price
- $182,500
- Delta
- -16.62%
- 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 |
|---|---|---|---|---|---|---|---|
| 4926 Hensey Ave | 0.20mi | 3/2.0 | 1,255 (+3%) | 4mo | $218,000 | $174 | 78 |
| 522 Shade St | 0.12mi | 3/1.0 | 1,341 (+10%) | 5mo | $223,000 | $166 | 73 |
| 730 West St | 0.36mi | 3/2.0 | 1,256 (+3%) | 10mo | $290,000 | $231 | 66 |
| 922 Arrow St | 0.51mi | 3/2.0 | 1,176 (-3%) | 4mo | $130,500 | $111 | 64 |
| 5118 Lake Dr | 0.34mi | 3/1.0 | 1,140 (-6%) | 16mo | $217,000 | $190 | 61 |
| 5201 Hickory St | 0.42mi | 4/2.0 (+1) | 1,316 (+8%) | 2mo | $289,000 | $220 | 56 |
| 4837 S Lakewood Dr | 0.24mi | 2/1.5 (-1) | 1,116 (-8%) | 15mo | $166,000 | $149 | 56 |
| 1029 Ethlyn Rd | 0.70mi | 3/2.0 | 1,264 (+4%) | 3mo | $225,000 | $178 | 54 |
| 733 Camellia Ave | 0.62mi | 3/2.0 | 1,264 (+4%) | 9mo | $275,000 | $218 | 53 |
| 4932 E Highway 98 | 0.40mi | 3/2.0 | 1,043 (-14%) | 1mo | $157,200 | $151 | 53 |
| 519 Phillips Ct | 0.57mi | 3/2.0 | 1,311 (+8%) | 8mo | $260,000 | $198 | 49 |
| 4121 Holley Ln | 0.73mi | 3/2.0 | 1,062 (-13%) | 3mo | $183,500 | $173 | 38 |
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 · 1.12% rent growth · sell at horizon
- IRR
- -15.6%
- Equity multiple
- 0.46×
- Total profit
- $-27,845
- Equity at exit
- $27,211
- IRR
- -10.4%
- Equity multiple
- 0.42×
- Total profit
- $-29,755
- Equity at exit
- $15,779
Cash invested: $51,100 (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
ZIP-level market 32404
- Home prices YoY
- -16.1%
- Rents YoY
- 1.1%
- Active inventory
- 969
- Price-to-rent
- 9.9×
Monthly cashflow live
- Estimated rent
- $1,535 high interval (Pro) →
- Mortgage (P&I)
- −$957
- Tax from tax record
- −$107 /mo · $1,278/yr
- Insurance
- −$76
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$322
- Net cashflow
- $73
Break-even live
Sensitivity live
| Price | -10% $176 | -5% $124 | +0% $73 | +5% $21 | +10% $-31 |
|---|---|---|---|---|---|
| Rent | -10% $-49 | -5% $12 | +0% $73 | +5% $133 | +10% $194 |
| Rate | -1.0pp $165 | -0.5pp $119 | base $73 | +0.5pp $25 | +1.0pp $-23 |
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
- $45,625
- Closing costs
- $5,475
- 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 22 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4828 Grimes St #3 Panama City, FL | 2.0 | 1.0 | 850 | $1,150 | $1.35 | 21d | 1 | 0.05mi |
| 543 N 9th St Unit 543 Panama City, FL | 2.0 | 1.0 | 850 | $1,195 | $1.41 | 14d | 1 | 0.08mi |
| 4837 S Lakewood Dr Panama City, FL | 2.0 | 1.5 | 1116 | $1,500 | $1.34 | 21d | 1 | 0.25mi |
| 509 Phillips Ct Panama City, FL | 3.0 | 2.0 | 1411 | $1,700 | $1.20 | 14d | 1 | 0.58mi |
| 4480 East Highway 98 Unit 1 Panama City, FL | 2.0 | 1.5 | 972 | $1,250 | $1.29 | 21d | 1 | 0.60mi |
| 4480 E Highway 98 Panama City, FL | 2.0 | 1.0 | 972 | $1,250 | $1.29 | 21d | 1 | 0.60mi |
| 149 North Highway 22 A Unit 5 Panama City, FL | 2.0 | 1.0 | 900 | $1,140 | $1.27 | 14d | 1 | 0.81mi |
| 322 S Burkett Dr Panama City, FL | 1.0–2.0 | 1.0–2.0 | 600 | $1,519 | $2.53 | 14d | 13 | 0.85mi |
| 129 Seneca Ave Panama City, FL | 3.0 | 2.0 | 1449 | $1,495 | $1.03 | 14d | 1 | 0.87mi |
| 5813 Hickory St Panama City, FL | 3.0 | 2.0 | 1200 | $1,950 | $1.62 | 21d | 1 | 0.94mi |
| 208 North Highway 22 A Unit 33 Panama City, FL | 3.0 | 2.0 | 1080 | $1,350 | $1.25 | 21d | 1 | 0.99mi |
| 5101 Willow St Panama City, FL | 3.0 | 2.0 | 1099 | $1,500 | $1.36 | 14d | 1 | 1.12mi |
| 5805 Cherry St Panama City, FL | 2.0 | 1.0 | 1025 | $1,200 | $1.17 | 14d | 1 | 1.12mi |
| 4905 Alameda St Unit 1 Panama City, FL | 3.0 | 2.0 | 942 | $1,295 | $1.37 | 21d | 1 | 1.13mi |
| 1128 S Gay Ave Lot V Panama City, FL | 3.0 | 2.0 | 1152 | $30,000 | $26.04 | 21d | 1 | 1.15mi |
| 1128 S Gay Ave Lot 56 Panama City, FL | 3.0 | 1.5 | 1216 | $35,000 | $28.78 | 21d | 1 | 1.15mi |
| 1128 S Gay Ave Lot N Panama City, FL | 3.0 | 2.0 | 924 | $40,000 | $43.29 | 21d | 1 | 1.15mi |
| 1128 S Gay Ave Lot 86 Panama City, FL | 3.0 | 2.0 | 1216 | $94,995 | $78.12 | 21d | 1 | 1.15mi |
| 237 Helen Ave Panama City, FL | 2.0 | 2.0 | 1000 | $1,395 | $1.40 | 21d | 1 | 1.29mi |
| 114 S Kimbrel Ave Panama City, FL | 3.0 | 2.0 | 1400 | $1,850 | $1.32 | 21d | 1 | 1.32mi |
| 229 Callaway Chase Ln Panama City, FL | 3.0 | 2.5 | 1200 | $1,650 | $1.38 | 14d | 1 | 1.45mi |
| 6328 Olokee St Panama City, FL | 3.0 | 2.0 | 1131 | $1,850 | $1.64 | 14d | 1 | 1.45mi |
Listing history 44 events
-
2026-06-19days on market $182,500 Active 55 DOM
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2026-06-18days on market $182,500 Active 54 DOM
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2026-06-17days on market $182,500 Active 53 DOM
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2026-06-16days on market $182,500 Active 52 DOM
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2026-06-15days on market $182,500 Active 51 DOM
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2026-06-14days on market $182,500 Active 49 DOM
-
2026-06-13days on market $182,500 Active 48 DOM
-
2026-06-10days on market $182,500 Active 46 DOM
-
2026-06-09days on market $182,500 Active 45 DOM
-
2026-06-08days on market $182,500 Active 44 DOM
-
2026-06-07days on market $182,500 Active 43 DOM
-
2026-06-05days on market $182,500 Active 40 DOM
-
2026-06-03days on market $182,500 Active 39 DOM
-
2026-06-02days on market $182,500 Active 38 DOM
-
2026-06-01days on market $182,500 Active 37 DOM
-
2026-05-31days on market $182,500 Active 36 DOM
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2026-05-30days on market $182,500 Active 35 DOM
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2026-05-07price $182,500 1239-char remark
Show marketing remark (1262 chars)
Seller offering up to $12,000 toward roof replacement with reasonable offer! Quote available for review! Exceptional investment opportunity in the heart of Parker! Whether you're expanding your rental portfolio or securing a property with immediate income potential, this well-maintained home deserves a closer look. Major system updates provide added confidence, including a new water heater installed in February 2025 and an HVAC system replaced in 2018. Double-pane windows enhance efficiency, and the formal dining room adds functional living space that appeals to long-term tenants. The property is tenant-occupied with a lease in place through 12/15/2026, offering established rental income from day one. Location is a standout feature, approximately 5 miles (about 9 minutes) to Tyndall Air Force Base and just minutes to everyday conveniences, shopping, and dining. Enjoy close proximity to beloved local amenities including: • Parker Sports Complex, • Parker Environmental Exploratorium Park, • Under the Oaks Park, • Nearby boat ramps and fishing piers, This location supports both lifestyle appeal and rental stability, a combination investors consistently seek. Buyer to verify all measurements and information deemed important.
-
2026-05-07price $182,500 1262-char remark
Show marketing remark (1262 chars)
Seller offering up to $12,000 toward roof replacement with reasonable offer! Quote available for review! Exceptional investment opportunity in the heart of Parker! Whether you're expanding your rental portfolio or securing a property with immediate income potential, this well-maintained home deserves a closer look. Major system updates provide added confidence, including a new water heater installed in February 2025 and an HVAC system replaced in 2018. Double-pane windows enhance efficiency, and the formal dining room adds functional living space that appeals to long-term tenants. The property is tenant-occupied with a lease in place through 12/15/2026, offering established rental income from day one. Location is a standout feature, approximately 5 miles (about 9 minutes) to Tyndall Air Force Base and just minutes to everyday conveniences, shopping, and dining. Enjoy close proximity to beloved local amenities including: • Parker Sports Complex, • Parker Environmental Exploratorium Park, • Under the Oaks Park, • Nearby boat ramps and fishing piers, This location supports both lifestyle appeal and rental stability, a combination investors consistently seek. Buyer to verify all measurements and information deemed important.
-
2026-04-02status Active 1262-char remark
Show marketing remark (1262 chars)
Seller offering up to $12,000 toward roof replacement with reasonable offer! Quote available for review! Exceptional investment opportunity in the heart of Parker! Whether you're expanding your rental portfolio or securing a property with immediate income potential, this well-maintained home deserves a closer look. Major system updates provide added confidence, including a new water heater installed in February 2025 and an HVAC system replaced in 2018. Double-pane windows enhance efficiency, and the formal dining room adds functional living space that appeals to long-term tenants. The property is tenant-occupied with a lease in place through 12/15/2026, offering established rental income from day one. Location is a standout feature, approximately 5 miles (about 9 minutes) to Tyndall Air Force Base and just minutes to everyday conveniences, shopping, and dining. Enjoy close proximity to beloved local amenities including: • Parker Sports Complex, • Parker Environmental Exploratorium Park, • Under the Oaks Park, • Nearby boat ramps and fishing piers, This location supports both lifestyle appeal and rental stability, a combination investors consistently seek. Buyer to verify all measurements and information deemed important.
-
2026-02-17$183,000 Active 1239-char remark
Show marketing remark (1262 chars)
Seller offering up to $12,000 toward roof replacement with reasonable offer! Quote available for review! Exceptional investment opportunity in the heart of Parker! Whether you're expanding your rental portfolio or securing a property with immediate income potential, this well-maintained home deserves a closer look. Major system updates provide added confidence, including a new water heater installed in February 2025 and an HVAC system replaced in 2018. Double-pane windows enhance efficiency, and the formal dining room adds functional living space that appeals to long-term tenants. The property is tenant-occupied with a lease in place through 12/15/2026, offering established rental income from day one. Location is a standout feature, approximately 5 miles (about 9 minutes) to Tyndall Air Force Base and just minutes to everyday conveniences, shopping, and dining. Enjoy close proximity to beloved local amenities including: • Parker Sports Complex, • Parker Environmental Exploratorium Park, • Under the Oaks Park, • Nearby boat ramps and fishing piers, This location supports both lifestyle appeal and rental stability, a combination investors consistently seek. Buyer to verify all measurements and information deemed important.
-
2026-02-17$183,000 Active 1262-char remark
Show marketing remark (1262 chars)
Seller offering up to $12,000 toward roof replacement with reasonable offer! Quote available for review! Exceptional investment opportunity in the heart of Parker! Whether you're expanding your rental portfolio or securing a property with immediate income potential, this well-maintained home deserves a closer look. Major system updates provide added confidence, including a new water heater installed in February 2025 and an HVAC system replaced in 2018. Double-pane windows enhance efficiency, and the formal dining room adds functional living space that appeals to long-term tenants. The property is tenant-occupied with a lease in place through 12/15/2026, offering established rental income from day one. Location is a standout feature, approximately 5 miles (about 9 minutes) to Tyndall Air Force Base and just minutes to everyday conveniences, shopping, and dining. Enjoy close proximity to beloved local amenities including: • Parker Sports Complex, • Parker Environmental Exploratorium Park, • Under the Oaks Park, • Nearby boat ramps and fishing piers, This location supports both lifestyle appeal and rental stability, a combination investors consistently seek. Buyer to verify all measurements and information deemed important.
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2025-11-29historical $1,700
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2025-10-28$1,700
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2025-10-19historical $1,800
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2025-09-18$1,800
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2025-09-15historical
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2025-08-18price $189,000
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2025-07-11$190,000 Active
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2024-06-29historical $1,700
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2024-06-16$1,700
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2024-06-16historical $1,700
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2024-06-13$1,700
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2024-05-09price $188,500
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2024-04-11$189,000 Active
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2021-12-14historical
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2021-12-14historical
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2021-12-14historical
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2011-10-03soldstatus $81,000
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2011-09-30soldstatus $81,000
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2011-08-19$81,000
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2010-03-29$129,900
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2010-03-29$100,000
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2009-07-14$140,000
ⓘ 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
- $1,278 · $107/mo
- Projected year-2 tax
- $1,515 · $126/mo
- Expected delta
- +$236/yr (+$20/mo · 18.5%)
ⓘ 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 1/10 Low
- Heat 10/10 Extreme 7 d/yr ≥105°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
- $18,415
- − Mortgage interest
- −$10,223
- − Property taxes
- −$1,278
- − Insurance
- −$912
- − Repairs & maintenance
- −$1,473
- − Management
- −$1,473
- − Depreciation
- −$5,309
- Taxable loss
- −$2,254
- Est. tax savings @ 24.0%
- +$541
- After-tax cash flow
- $1,413/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 — Parker
- Score
- 63/100
- State rank
- #704
- US rank
- #14956
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Parker, FL
- County
- Bay County · 163,593 people
- Metro
- Panama City, FL
- Population (ZIP)
- 42,514
- Household income
- $74,708
- Rent vs Own
- Severe rent burden
- 1218.0
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 (69%)
- Race & ethnicity
- White 69% Black 12% Two or more races 10% Hispanic / Latino 9% Asian 3%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 3%
- Common ancestry
- Lithuanian 3% Slovak 2% Italian 2%
- Foreign-born
- 7% · Canada, Vietnam, Mexico
- Languages at home
- 90% English-only · Spanish 6% Vietnamese 1% Other Asian/Pacific 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
- ▼ -50.59%
- Current HPI
- 263.7178
- Rent YoY
- ▲ 1.12%
- Metro
- Panama City, FL
- State GDP YoY
- ▲ 3.28%
- F500 in state
- 36
Industry mix (Fortune 500 HQ in FL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Technology | 2 | $29B |
|
||
| Insurance | 2 | $17B |
|
||
| Retail | 1 | $60B |
|
||
| Technology Distribution | 1 | $58B |
|
||
| Homebuilding | 1 | $35B |
|
||
| Technology Manufacturing | 1 | $35B |
|
||
Price history
+30.4% since first listed27 events — show timeline
- 2026-05-07 Price Changed $182,500 ECAR
- 2026-05-07 Price Changed $182,500 CPARMLS
- 2026-04-02 Relisted — CPARMLS
- 2026-02-17 Listed $183,000 CPARMLS
- 2026-02-17 Listed $183,000 ECAR
- 2025-11-29 Rental Removed $1,700 Avail
- 2025-10-28 Listed for Rent $1,700 Avail
- 2025-10-19 Rental Removed $1,800 Avail
- 2025-09-18 Listed for Rent $1,800 Avail
- 2025-09-15 Listing Removed — CPARMLS
- 2025-08-18 Price Changed $189,000 CPARMLS
- 2025-07-11 Listed $190,000 CPARMLS
- 2024-06-29 Rental Removed $1,700 BUILDIUM
- 2024-06-16 Listed for Rent $1,700 BUILDIUM
- 2024-06-16 Rental Removed $1,700 BUILDIUM
- 2024-06-13 Listed for Rent $1,700 BUILDIUM
- 2024-05-09 Price Changed $188,500 CPARMLS
- 2024-04-11 Listed $189,000 CPARMLS
- 2021-12-14 Listing Removed — CPARMLS
- 2021-12-14 Listing Removed — CPARMLS
- 2021-12-14 Listing Removed — CPARMLS
- 2011-10-03 Sold (Public Records) $81,000 Public Records
- 2011-09-30 Sold (MLS) $81,000 CPARMLS
- 2011-08-19 Listed $81,000 CPARMLS
- 2010-03-29 Listed $100,000 CPARMLS
- 2010-03-29 Listed $129,900 CPARMLS
- 2009-07-14 Listed $140,000 CPARMLS
Property tax history
+5.0%/yrLatest (2025): $1,278 · +9.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…