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617 N 9th
C- Composite 51.39
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

617 N 9th · Parker, FL 32404
3 bd · 1.0 ba · 1,216 sqft · SingleFamily public records · 55 Days on market
Built 1957 10,454 sqft lot $150/sqft · 17% below area Est $219k · 17% under

🖨 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

ROOF REPLACEMENTINVESTMENT OPPORTUNITYMAJOR SYSTEM UPDATESNEW WATER HEATERHVAC SYSTEM REPLACEDDOUBLE-PANE WINDOWS

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

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/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.
Recommended offer $153,455 (15.9% below list)

Questions for the listing agent

  1. 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?
  2. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. 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.
  6. 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.
  7. 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

5-year hold
IRR
-15.6%
Equity multiple
0.46×
Total profit
$-27,845
Equity at exit
$27,211
10-year hold
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
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

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

Break-even rent $1,443
Max offer price $182,500
Occupancy floor 90%

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

AddressBedsBaths SqftRent$/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

  1. 2026-06-19
    days on market $182,500 Active 55 DOM
  2. 2026-06-18
    days on market $182,500 Active 54 DOM
  3. 2026-06-17
    days on market $182,500 Active 53 DOM
  4. 2026-06-16
    days on market $182,500 Active 52 DOM
  5. 2026-06-15
    days on market $182,500 Active 51 DOM
  6. 2026-06-14
    days on market $182,500 Active 49 DOM
  7. 2026-06-13
    days on market $182,500 Active 48 DOM
  8. 2026-06-10
    days on market $182,500 Active 46 DOM
  9. 2026-06-09
    days on market $182,500 Active 45 DOM
  10. 2026-06-08
    days on market $182,500 Active 44 DOM
  11. 2026-06-07
    days on market $182,500 Active 43 DOM
  12. 2026-06-05
    days on market $182,500 Active 40 DOM
  13. 2026-06-03
    days on market $182,500 Active 39 DOM
  14. 2026-06-02
    days on market $182,500 Active 38 DOM
  15. 2026-06-01
    days on market $182,500 Active 37 DOM
  16. 2026-05-31
    days on market $182,500 Active 36 DOM
  17. 2026-05-30
    days on market $182,500 Active 35 DOM
  18. 2026-05-07
    price $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.

  19. 2026-05-07
    price $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.

  20. 2026-04-02
    status 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.

  21. 2026-02-17
    listed $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.

  22. 2026-02-17
    listed $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.

  23. 2025-11-29
    historical $1,700
  24. 2025-10-28
    listed $1,700
  25. 2025-10-19
    historical $1,800
  26. 2025-09-18
    listed $1,800
  27. 2025-09-15
    historical
  28. 2025-08-18
    price $189,000
  29. 2025-07-11
    listed $190,000 Active
  30. 2024-06-29
    historical $1,700
  31. 2024-06-16
    listed $1,700
  32. 2024-06-16
    historical $1,700
  33. 2024-06-13
    listed $1,700
  34. 2024-05-09
    price $188,500
  35. 2024-04-11
    listed $189,000 Active
  36. 2021-12-14
    historical
  37. 2021-12-14
    historical
  38. 2021-12-14
    historical
  39. 2011-10-03
    soldstatus $81,000
  40. 2011-09-30
    soldstatus $81,000
  41. 2011-08-19
    listed $81,000
  42. 2010-03-29
    listed $129,900
  43. 2010-03-29
    listed $100,000
  44. 2009-07-14
    listed $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
combined federal + state — saved on this device
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

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

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
30.8% rent · 69.2% 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

Price history

+30.4% since first listed
27 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%/yr

Latest (2025): $1,278 · +9.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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