329 Hibiscus Dr · Laguna Beach, FL 32413

$269,000

3 bd · 2.0 ba · 1,216 sqft · Manufactured public records · 399 Days on market

Built 1999 $221/sqft · 33% below area Est $401k · 33% under

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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 +15.0/15.0
• Cash flow +10.6/30.0
• Schools +4.3/10.0
• Livability +3.7/5.0
• DSCR +3.0/10.0
• Rent growth +2.6/5.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

Key facts

• New kitchen
• New plumbing
• New appliances

Tags

• NEW KITCHEN
• NEW BATHROOMS
• NEW APPLIANCES
• NEW COUNTERTOPS
• NEW PLUMBING
• FRONT AND BACK DECK

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $269k.

Deal economics

• At list price, monthly cash flow is $-134 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $245k (8.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $202k (24.8% below list).
• Recommended offer: $202k (24.8% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 0.9% in Laguna Beach — 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 74/100 on livability (#283 in FL, #4,522 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, employment A; Watch: schools F, amenities 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 flat; 1249 active listings in the ZIP; 5 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 30% of the median local income ($80k/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 $8k 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 399 days — a 12% lower offer ($237k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 17y ago; this cycle's ask has dropped $126k (32%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

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

Recommended offer $202,320 (24.8% 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 399 days. Have you received any prior offers? Is the seller open to a 25% 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 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?
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: 0.75% ✗
• Cap rate: 5.69%
• Cash-on-cash: -2.14%
• DSCR: 0.90
• GRM: 11.1

CMA / ARV

• ARV (median comp): $401,086
• List price: $269,000
• Delta: -32.93%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
224 Magnolia Dr	0.19mi	3/2.0	1,170 (-4%)	3mo	$275,000	$235	82
325 Palm Dr	0.15mi	3/2.0	1,320 (+9%)	22mo	$245,000	$186	60
212 16th St	0.38mi	3/2.0	1,372 (+13%)	11mo	$405,000	$295	52

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 · 0.52% rent growth · sell at horizon

5-year hold

• IRR: -22.5%
• Equity multiple: 0.24×
• Total profit: $-57,126
• Equity at exit: $40,109

10-year hold

• IRR: -23.8%
• Equity multiple: -0.06×
• Total profit: $-80,198
• Equity at exit: $23,258

Cash invested: $75,320 (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.

Methodology + full state rankings →

ZIP-level market 32413

• Home prices YoY: -34.4%
• Rents YoY: 0.5%
• Active inventory: 1249
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $2,023 medium
• Mortgage (P&I): −$1,411
• Tax from tax record: −$210 /mo · $2,520/yr
• Insurance: −$112
• HOA: −$0
• Vacancy / Maint / Mgmt: −$425
• Net cashflow: $-134

Break-even live

Break-even rent $2,193

Max offer price $245,249

Occupancy floor —

Sensitivity live

Price	-10% $18	-5% $-58	+0% $-134	+5% $-211	+10% $-287
Rent	-10% $-294	-5% $-214	+0% $-134	+5% $-55	+10% $25
Rate	-1.0pp $1	-0.5pp $-66	base $-134	+0.5pp $-204	+1.0pp $-275

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: $67,250
• Closing costs: $8,070
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
121 Christmas Tree Ln Unit 1511625P Panama City Beach, FL	3.0	2.0	1496	$11,089	$7.41	21d	1	0.22mi
216 Rose Ln Unit A Panama City Beach, FL	3.0	1.0	1280	$2,175	$1.70	14d	1	0.26mi
100 Downing St #13 Panama City Beach, FL	3.0	2.5	1360	$1,950	$1.43	21d	1	0.33mi
21101 Panama City Beach Pkwy Panama City Beach, FL	1.0–3.0	1.0–2.0	1004	$1,956	$1.95	14d	12	0.75mi
19610 Alta Vista Dr Panama City Beach, FL	2.0	1.0	1000	$1,400	$1.40	14d	1	0.97mi

Listing history 50 events

1. 2026-06-19
   days on market $269,000 Active 399 DOM
2. 2026-06-18
   days on market $269,000 Active 398 DOM
3. 2026-06-17
   days on market $269,000 Active 397 DOM
4. 2026-06-16
   days on market $269,000 Active 396 DOM
5. 2026-06-15
   days on market $269,000 Active 395 DOM
6. 2026-06-14
   days on market $269,000 Active 393 DOM
7. 2026-06-13
   days on market $269,000 Active 392 DOM
8. 2026-06-10
   days on market $269,000 Active 390 DOM
9. 2026-06-09
   days on market $269,000 Active 389 DOM
10. 2026-06-08
    days on market $269,000 Active 388 DOM
11. 2026-06-07
    remarks 628-char remark
12. 2026-06-07
    days on market $269,000 Active 387 DOM
13. 2026-06-05
    days on market $269,000 Active 384 DOM
14. 2026-06-03
    days on market $269,000 Active 383 DOM
15. 2026-06-02
    pricedays on market $269,000 Active 382 DOM
16. 2026-06-01
    days on market $275,000 Active 381 DOM
17. 2026-05-31
    days on market $275,000 Active 380 DOM
18. 2026-05-30
    days on market $275,000 Active 379 DOM
19. 2026-04-27
    price $275,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

20. 2026-04-24
    status Active 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

21. 2026-04-22
    historical Active Under Contract 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

22. 2026-04-01
    status Active 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

23. 2026-03-26
    historical 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

24. 2026-03-25
    price $260,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

25. 2026-03-11
    price $265,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

26. 2025-12-05
    price $274,900 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

27. 2025-11-11
    status Active 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

28. 2025-11-11
    price $275,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

29. 2025-09-10
    price $299,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

30. 2025-08-27
    price $315,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

31. 2025-08-08
    price $319,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

32. 2025-07-19
    price $324,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

33. 2025-06-20
    price $325,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

34. 2025-06-14
    price $345,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

35. 2025-05-24
    price $347,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

36. 2025-05-16
    price $347,500 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

37. 2025-05-02
    price $348,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

38. 2025-04-14
    price $348,900 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

39. 2025-04-11
    price $349,000 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

40. 2025-03-27
    listed $395,000 Active 588-char remark

    Show marketing remark (588 chars)

    MOTIVATED SELLER!! NEW(KITCHEN, BATHROOMS, VANITIES, APPLIANCES, CABINETS, COUNTERTOPS, PLUMBING, NEW FRONT AND BACK DECK, LIGHT AND PLUMBING FIXTURES, FLOORS LVB, AND PAINTING) Here is your opportunity to own a piece of paradise. Let us guide you through the process and help you unlock the full potential of this exceptional property, which is the key to your financial freedom. This property is pre-approved for FHA and conventional loans. Ask the listing agent about mobile home finance!! It is a turnkey property for vacation rentals, long-term rentals, or owner-occupied properties.

41. 2025-01-07
    historical $1,700
42. 2024-12-31
    historical
43. 2024-12-17
    historical $1,700
44. 2024-11-27
    listed $1,700
45. 2024-11-17
    historical $1,700
46. 2024-11-16
    listed $385,000 Active
47. 2024-11-08
    listed $1,700
48. 2024-11-03
    price $1,700
49. 2024-10-22
    price $1,750
50. 2024-10-17
    listed $1,850

ⓘ 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: $2,520 · $210/mo
• Projected year-2 tax: $2,520 · $210/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,278
• − Mortgage interest: −$15,068
• − Property taxes: −$2,520
• − Insurance: −$1,345
• − Repairs & maintenance: −$1,942
• − Management: −$1,942
• − Depreciation: −$7,825
• Taxable loss: −$6,365
• Est. tax savings @ 24.0%: +$1,528
• After-tax cash flow: $-86/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 — Laguna Beach

• Score: 74/100
• State rank: #283
• US rank: #4522

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Laguna Beach, FL
• County: Bay County · 163,593 people
• Metro: Panama City, FL
• Population (ZIP): 15,453
• Household income: $80,039
• Rent vs Own: 29.8% rent · 70.2% own
• Severe rent burden: 531.0

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 8% Two or more races 6% Black 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Slovak 3% Italian 3% Lithuanian 2%
• Foreign-born: 8% · Canada, Jamaica
• Languages at home: 91% English-only · Spanish 6% Other Indo-European 1% Russian/Polish/Slavic 0%

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: ▼ -185.97%
• Current HPI: 354.7469
• Rent YoY: ▲ 0.52%
• 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

+2100.0% since first listed

46 events — show timeline

• 2026-04-27 Price Changed $275,000 CPARMLS
• 2026-04-24 Relisted — CPARMLS
• 2026-04-22 Contingent — CPARMLS
• 2026-04-01 Relisted — CPARMLS
• 2026-03-26 Listing Removed — CPARMLS
• 2026-03-25 Price Changed $260,000 CPARMLS
• 2026-03-11 Price Changed $265,000 CPARMLS
• 2025-12-05 Price Changed $274,900 CPARMLS
• 2025-11-11 Relisted — CPARMLS
• 2025-11-11 Price Changed $275,000 CPARMLS
• 2025-09-10 Price Changed $299,000 CPARMLS
• 2025-08-27 Price Changed $315,000 CPARMLS
• 2025-08-08 Price Changed $319,000 CPARMLS
• 2025-07-19 Price Changed $324,000 CPARMLS
• 2025-06-20 Price Changed $325,000 CPARMLS
• 2025-06-14 Price Changed $345,000 CPARMLS
• 2025-05-24 Price Changed $347,000 CPARMLS
• 2025-05-16 Price Changed $347,500 CPARMLS
• 2025-05-02 Price Changed $348,000 CPARMLS
• 2025-04-14 Price Changed $348,900 CPARMLS
• 2025-04-11 Price Changed $349,000 CPARMLS
• 2025-03-27 Listed $395,000 CPARMLS
• 2025-01-07 Rental Removed $1,700 RENT.
• 2024-12-31 Listing Removed — CPARMLS
• 2024-12-17 Rental Removed $1,700 RENTALBEAST
• 2024-11-27 Listed for Rent $1,700 RENTALBEAST
• 2024-11-17 Rental Removed $1,700 RENTALBEAST
• 2024-11-16 Listed $385,000 CPARMLS
• 2024-11-08 Listed for Rent $1,700 RENTALBEAST
• 2024-11-03 Price Changed $1,700 RENT.
• 2024-10-22 Price Changed $1,750 RENT.
• 2024-10-17 Listed for Rent $1,850 RENT.
• 2024-09-01 Rental Removed $1,850 BUILDIUM
• 2024-08-06 Price Changed $1,850 BUILDIUM
• 2024-08-03 Price Changed $1,895 BUILDIUM
• 2024-06-27 Listed for Rent $1,950 BUILDIUM
• 2023-06-08 Rental Removed — RENT.
• 2022-05-06 Sold (MLS) $515,000 CPARMLS
• 2022-03-28 Pending — CPARMLS
• 2021-12-14 Listing Removed — CPARMLS
• 2021-08-27 Listed $550,000 CPARMLS
• 2009-11-24 Listed $255,000 CPARMLS
• 2003-04-11 Sold (Public Records) $215,000 Public Records
• 2002-07-19 Sold (Public Records) $75,000 Public Records
• 2000-10-27 Sold (Public Records) $100 Public Records
• 1993-08-01 Sold (Public Records) $12,500 Public Records

Property tax history

+10.6%/yr

Latest (2025): $2,520 · +10.9% YoY. Source: county tax records.