126 N Vestavia St · Panama City Beach, FL 32413

$311,999

3 bd · 2.0 ba · 1,152 sqft · Manufactured public records · 39 Days on market

Built 2026 7,840 sqft lot $271/sqft · 23% above area Est $401k · 22% 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 +12.0/30.0
• Schools +4.3/10.0
• Livability +3.9/5.0
• DSCR +3.5/10.0
• 1% rule +3.4/10.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to your slice of the Emerald Coast! This brand-new 2026 Champion Home at 126 N Vestavia Street offers the rare combination of modern construction, coastal convenience, and income-producing potential, all on a generous 7,710 sq ft lot in the heart of Panama City Beach's sought-after West End. Step inside and you'll immediately notice what sets this home apart: full drywall interior throughout -- a premium upgrade that gives this manufactured home the look, feel, and quality of traditional stick-built construction. Brand-new stainless appliances, fresh finishes, and a partially furnished interior mean you can move in, rent it out, or start generating revenue from day one. Best of all, the home comes backed by a 1-year manufacturer's warranty for complete peace of mind. Investors & Vacation Rental Buyers -- Take Note: Short-term rentals are permitted here, making this an exceptional opportunity in one of Florida's most visited beach destinations. Whether you're listing on Airbnb, VRBO, or managing your own bookings, demand in this corridor stays strong year-round. Location, Location, Location: Positioned perfectly on the West End of Panama City Beach, this home puts you minutes from some of the Florida Panhandle's most iconic destinations. The legendary scenic 30A corridor -- known for its charming beach towns, boutique dining, and sugar-white dunes, is just a short drive away. Head east and you'll find Pier Park, Panama City Beach's premier shopping and entertainment destination, featuring over 124 stores, top-rated restaurants, and attractions for all ages, including the 200-foot SkyWheel with stunning Gulf views, Dave & Buster's, a Grand 16 Movie Theater, and live entertainment year-round. Family Fun Around Every Corner: Nature lovers and outdoor families will fall in love with nearby Camp Helen State Park, bordered by the Gulf on one side and Lake Powell -- Florida's largest coastal dune lake -- on the other, offering swimming, wildlife spotting, kayaking, and paddleboarding. Lake Powell itself spans nearly 800 acres and is a natural treasure of the Emerald Coast, ideal for fishing redfish and speckled trout, paddling, and soaking up the scenery. Families will also love nearby Shipwreck Island Waterpark, Gulf World Marine Park, WonderWorks, and of course, Panama City Beach's legendary 27 miles of sugar-white sand. Brand New Infrastructure: This home features a brand-new septic system -- no deferred maintenance, no surprises. New irrigation, check out how green the grass is! Everything here is fresh, clean, and ready for its first owner or first guest. Whether you're searching for a primary residence, a vacation getaway, or a turnkey short-term rental investment, 126 N Vestavia delivers the full package at the right price. Properties like this don't last long on the West End, schedule your private showing today!

Key facts

• New septic
• Full drywall
• No hoa

Tags

• NO HOA
• FULL DRYWALL
• BRAND-NEW STAINLESS APPLIANCES
• PARTIALLY FURNISHED INTERIOR
• SHORT-TERM RENTALS PERMITTED
• NEW SEPTIC

Property features AI

Finance

• HOA & community: Short-term rentals allowed; No recorded subdivision

Exterior

• Parking: Driveway with space for 4 vehicles
• Utilities: Septic tank; Electric service
• Home design: Manufactured home; Single-story
• Construction: Composite shingle roof; Vinyl siding with wood trim; Off-grade foundation; Built in 2026
• Exterior features: Partially fenced lot; Open porch; Road frontage on city and county streets; Paved road access

Interior

• Kitchen: Dishwasher; Microwave
• Bedrooms: 3 bedrooms (master on the first floor with walk-in closet)
• Flooring: Vinyl flooring
• Bathrooms: 2 full bathrooms (master bathroom with shower only)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Partially furnished; Ceiling fans
• Laundry & utility: Heat control electric

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $312k.

Deal economics

• At list price, monthly cash flow is $-74 ($-884/yr) — negative.
• To cash-flow at today's rent, offer at most $301k (3.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $264k (15.5% below list).
• Recommended offer: $264k (15.5% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 2.6% in Panama City 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 78/100 on livability (#172 in FL, #2,624 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities D-, 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: West Bay Elementary School (math 57% / reading 52%, grade C, #892 of 2,144 statewide, top 44%, 313 students, 50% FRL); J.R. Arnold High School (math 41% / reading 54%, grade D, #204 of 667 statewide, top 31%, 1,617 students, 36% FRL).
• Market conditions: Rents flat; 1249 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 40% 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 $9k 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 39 days — a 3% lower offer ($303k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts; this cycle's ask has dropped $18k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $70k; list at $312k implies a 346% 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; major 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 $263,605 (15.5% 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 39 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. 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.
7. 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.
8. 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: 6.01%
• Cash-on-cash: -1.01%
• DSCR: 0.95
• GRM: 9.9

CMA / ARV

• ARV (median comp): $401,086
• List price: $311,999
• Delta: -22.21%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.52% rent growth · sell at horizon

5-year hold

• IRR: -20.8%
• Equity multiple: 0.29×
• Total profit: $-61,629
• Equity at exit: $46,520

10-year hold

• IRR: -20.9%
• Equity multiple: 0.03×
• Total profit: $-84,609
• Equity at exit: $26,976

Cash invested: $87,360 (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: 9.9×

Monthly cashflow live

• Estimated rent: $2,636 high
• Mortgage (P&I): −$1,636
• Tax est. 1.5%: −$390 /mo · $4,680/yr
• Insurance: −$130
• HOA: −$0
• Vacancy / Maint / Mgmt: −$554
• Net cashflow: $-74

Break-even live

Break-even rent $2,729

Max offer price $301,338

Occupancy floor 98%

Sensitivity live

Price	-10% $142	-5% $34	+0% $-74	+5% $-181	+10% $-289
Rent	-10% $-282	-5% $-178	+0% $-74	+5% $30	+10% $135
Rate	-1.0pp $83	-0.5pp $6	base $-74	+0.5pp $-155	+1.0pp $-237

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: $78,000
• Closing costs: $9,360
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
17751 Panama City Beach Pkwy Unit 2E Panama City Beach, FL	2.0	2.0	1100	$2,600	$2.36	21d	1	0.55mi
17751 Panama City Beach Pkwy Unit 1523371P Panama City Beach, FL	2.0	2.0	1097	$3,862	$3.52	21d	1	0.57mi
19610 Alta Vista Dr Panama City Beach, FL	2.0	1.0	1000	$1,400	$1.40	13d	1	0.72mi
17735 Front Beach Rd Unit 1447171P Panama City Beach, FL	3.0	2.0	1227	$4,925	$4.01	21d	1	0.74mi
220 Sundial St Unit 1447107P Panama City Beach, FL	4.0	2.0	1227	$2,691	$2.19	21d	1	0.81mi
17614 Front Beach Rd Unit 16D Panama City Beach, FL	2.0	1.0	748	$1,600	$2.14	21d	1	0.81mi
17545 Front Beach Rd Unit 1523333P Panama City, FL	2.0	2.0	1140	$6,472	$5.68	13d	1	1.04mi
127 Heather Dr Panama City Beach, FL	3.0	2.0	1297	$2,350	$1.81	13d	1	1.24mi
216 Rose Ln Unit A Panama City Beach, FL	3.0	1.0	1280	$2,175	$1.70	13d	1	1.46mi

Listing history 34 events

1. 2026-06-19
   days on market $311,999 Active 39 DOM
2. 2026-06-18
   days on market $311,999 Active 38 DOM
3. 2026-06-17
   days on market $311,999 Active 37 DOM
4. 2026-06-16
   days on market $311,999 Active 36 DOM
5. 2026-06-15
   days on market $311,999 Active 35 DOM
6. 2026-06-14
   days on market $311,999 Active 33 DOM
7. 2026-06-13
   days on market $311,999 Active 32 DOM
8. 2026-06-10
   pricedays on market $311,999 Active 30 DOM
9. 2026-06-09
   days on market $313,999 Active 29 DOM

   Show marketing remark (2883 chars)

   Welcome to your slice of the Emerald Coast! This brand-new 2026 Champion Home at 126 N Vestavia Street offers the rare combination of modern construction, coastal convenience, and income-producing potential, all on a generous 7,710 sq ft lot in the heart of Panama City Beach's sought-after West End. Step inside and you'll immediately notice what sets this home apart: full drywall interior throughout -- a premium upgrade that gives this manufactured home the look, feel, and quality of traditional stick-built construction. Brand-new stainless appliances, fresh finishes, and a partially furnished interior mean you can move in, rent it out, or start generating revenue from day one. Best of all, the home comes backed by a 1-year manufacturer's warranty for complete peace of mind. Investors & Vacation Rental Buyers -- Take Note: Short-term rentals are permitted here, making this an exceptional opportunity in one of Florida's most visited beach destinations. Whether you're listing on Airbnb, VRBO, or managing your own bookings, demand in this corridor stays strong year-round. Location, Location, Location: Positioned perfectly on the West End of Panama City Beach, this home puts you minutes from some of the Florida Panhandle's most iconic destinations. The legendary scenic 30A corridor -- known for its charming beach towns, boutique dining, and sugar-white dunes, is just a short drive away. Head east and you'll find Pier Park, Panama City Beach's premier shopping and entertainment destination, featuring over 124 stores, top-rated restaurants, and attractions for all ages, including the 200-foot SkyWheel with stunning Gulf views, Dave & Buster's, a Grand 16 Movie Theater, and live entertainment year-round. Family Fun Around Every Corner: Nature lovers and outdoor families will fall in love with nearby Camp Helen State Park, bordered by the Gulf on one side and Lake Powell -- Florida's largest coastal dune lake -- on the other, offering swimming, wildlife spotting, kayaking, and paddleboarding. Lake Powell itself spans nearly 800 acres and is a natural treasure of the Emerald Coast, ideal for fishing redfish and speckled trout, paddling, and soaking up the scenery. Families will also love nearby Shipwreck Island Waterpark, Gulf World Marine Park, WonderWorks, and of course, Panama City Beach's legendary 27 miles of sugar-white sand. Brand New Infrastructure: This home features a brand-new septic system -- no deferred maintenance, no surprises. New irrigation, check out how green the grass is! Everything here is fresh, clean, and ready for its first owner or first guest. Whether you're searching for a primary residence, a vacation getaway, or a turnkey short-term rental investment, 126 N Vestavia delivers the full package at the right price. Properties like this don't last long on the West End, schedule your private showing today!

10. 2026-06-08
    days on market $313,999 Active 28 DOM
11. 2026-06-07
    days on market $313,999 Active 27 DOM
12. 2026-06-05
    days on market $313,999 Active 24 DOM
13. 2026-06-03
    days on market $313,999 Active 23 DOM
14. 2026-06-02
    days on market $313,999 Active 22 DOM
15. 2026-06-01
    days on market $313,999 Active 21 DOM
16. 2026-05-31
    days on market $313,999 Active 20 DOM
17. 2026-05-30
    days on market $313,999 Active 19 DOM
18. 2026-05-11
    price $314,999 2883-char remark

    Show marketing remark (2883 chars)

    Welcome to your slice of the Emerald Coast! This brand-new 2026 Champion Home at 126 N Vestavia Street offers the rare combination of modern construction, coastal convenience, and income-producing potential, all on a generous 7,710 sq ft lot in the heart of Panama City Beach's sought-after West End. Step inside and you'll immediately notice what sets this home apart: full drywall interior throughout -- a premium upgrade that gives this manufactured home the look, feel, and quality of traditional stick-built construction. Brand-new stainless appliances, fresh finishes, and a partially furnished interior mean you can move in, rent it out, or start generating revenue from day one. Best of all, the home comes backed by a 1-year manufacturer's warranty for complete peace of mind. Investors & Vacation Rental Buyers -- Take Note: Short-term rentals are permitted here, making this an exceptional opportunity in one of Florida's most visited beach destinations. Whether you're listing on Airbnb, VRBO, or managing your own bookings, demand in this corridor stays strong year-round. Location, Location, Location: Positioned perfectly on the West End of Panama City Beach, this home puts you minutes from some of the Florida Panhandle's most iconic destinations. The legendary scenic 30A corridor -- known for its charming beach towns, boutique dining, and sugar-white dunes, is just a short drive away. Head east and you'll find Pier Park, Panama City Beach's premier shopping and entertainment destination, featuring over 124 stores, top-rated restaurants, and attractions for all ages, including the 200-foot SkyWheel with stunning Gulf views, Dave & Buster's, a Grand 16 Movie Theater, and live entertainment year-round. Family Fun Around Every Corner: Nature lovers and outdoor families will fall in love with nearby Camp Helen State Park, bordered by the Gulf on one side and Lake Powell -- Florida's largest coastal dune lake -- on the other, offering swimming, wildlife spotting, kayaking, and paddleboarding. Lake Powell itself spans nearly 800 acres and is a natural treasure of the Emerald Coast, ideal for fishing redfish and speckled trout, paddling, and soaking up the scenery. Families will also love nearby Shipwreck Island Waterpark, Gulf World Marine Park, WonderWorks, and of course, Panama City Beach's legendary 27 miles of sugar-white sand. Brand New Infrastructure: This home features a brand-new septic system -- no deferred maintenance, no surprises. New irrigation, check out how green the grass is! Everything here is fresh, clean, and ready for its first owner or first guest. Whether you're searching for a primary residence, a vacation getaway, or a turnkey short-term rental investment, 126 N Vestavia delivers the full package at the right price. Properties like this don't last long on the West End, schedule your private showing today!

19. 2026-04-29
    listed $330,000 Active 2883-char remark

    Show marketing remark (2883 chars)

    Welcome to your slice of the Emerald Coast! This brand-new 2026 Champion Home at 126 N Vestavia Street offers the rare combination of modern construction, coastal convenience, and income-producing potential, all on a generous 7,710 sq ft lot in the heart of Panama City Beach's sought-after West End. Step inside and you'll immediately notice what sets this home apart: full drywall interior throughout -- a premium upgrade that gives this manufactured home the look, feel, and quality of traditional stick-built construction. Brand-new stainless appliances, fresh finishes, and a partially furnished interior mean you can move in, rent it out, or start generating revenue from day one. Best of all, the home comes backed by a 1-year manufacturer's warranty for complete peace of mind. Investors & Vacation Rental Buyers -- Take Note: Short-term rentals are permitted here, making this an exceptional opportunity in one of Florida's most visited beach destinations. Whether you're listing on Airbnb, VRBO, or managing your own bookings, demand in this corridor stays strong year-round. Location, Location, Location: Positioned perfectly on the West End of Panama City Beach, this home puts you minutes from some of the Florida Panhandle's most iconic destinations. The legendary scenic 30A corridor -- known for its charming beach towns, boutique dining, and sugar-white dunes, is just a short drive away. Head east and you'll find Pier Park, Panama City Beach's premier shopping and entertainment destination, featuring over 124 stores, top-rated restaurants, and attractions for all ages, including the 200-foot SkyWheel with stunning Gulf views, Dave & Buster's, a Grand 16 Movie Theater, and live entertainment year-round. Family Fun Around Every Corner: Nature lovers and outdoor families will fall in love with nearby Camp Helen State Park, bordered by the Gulf on one side and Lake Powell -- Florida's largest coastal dune lake -- on the other, offering swimming, wildlife spotting, kayaking, and paddleboarding. Lake Powell itself spans nearly 800 acres and is a natural treasure of the Emerald Coast, ideal for fishing redfish and speckled trout, paddling, and soaking up the scenery. Families will also love nearby Shipwreck Island Waterpark, Gulf World Marine Park, WonderWorks, and of course, Panama City Beach's legendary 27 miles of sugar-white sand. Brand New Infrastructure: This home features a brand-new septic system -- no deferred maintenance, no surprises. New irrigation, check out how green the grass is! Everything here is fresh, clean, and ready for its first owner or first guest. Whether you're searching for a primary residence, a vacation getaway, or a turnkey short-term rental investment, 126 N Vestavia delivers the full package at the right price. Properties like this don't last long on the West End, schedule your private showing today!

20. 2026-04-29
    listed $314,999 Active 987-char remark

    Show marketing remark (2883 chars)

    Welcome to your slice of the Emerald Coast! This brand-new 2026 Champion Home at 126 N Vestavia Street offers the rare combination of modern construction, coastal convenience, and income-producing potential, all on a generous 7,710 sq ft lot in the heart of Panama City Beach's sought-after West End. Step inside and you'll immediately notice what sets this home apart: full drywall interior throughout -- a premium upgrade that gives this manufactured home the look, feel, and quality of traditional stick-built construction. Brand-new stainless appliances, fresh finishes, and a partially furnished interior mean you can move in, rent it out, or start generating revenue from day one. Best of all, the home comes backed by a 1-year manufacturer's warranty for complete peace of mind. Investors & Vacation Rental Buyers -- Take Note: Short-term rentals are permitted here, making this an exceptional opportunity in one of Florida's most visited beach destinations. Whether you're listing on Airbnb, VRBO, or managing your own bookings, demand in this corridor stays strong year-round. Location, Location, Location: Positioned perfectly on the West End of Panama City Beach, this home puts you minutes from some of the Florida Panhandle's most iconic destinations. The legendary scenic 30A corridor -- known for its charming beach towns, boutique dining, and sugar-white dunes, is just a short drive away. Head east and you'll find Pier Park, Panama City Beach's premier shopping and entertainment destination, featuring over 124 stores, top-rated restaurants, and attractions for all ages, including the 200-foot SkyWheel with stunning Gulf views, Dave & Buster's, a Grand 16 Movie Theater, and live entertainment year-round. Family Fun Around Every Corner: Nature lovers and outdoor families will fall in love with nearby Camp Helen State Park, bordered by the Gulf on one side and Lake Powell -- Florida's largest coastal dune lake -- on the other, offering swimming, wildlife spotting, kayaking, and paddleboarding. Lake Powell itself spans nearly 800 acres and is a natural treasure of the Emerald Coast, ideal for fishing redfish and speckled trout, paddling, and soaking up the scenery. Families will also love nearby Shipwreck Island Waterpark, Gulf World Marine Park, WonderWorks, and of course, Panama City Beach's legendary 27 miles of sugar-white sand. Brand New Infrastructure: This home features a brand-new septic system -- no deferred maintenance, no surprises. New irrigation, check out how green the grass is! Everything here is fresh, clean, and ready for its first owner or first guest. Whether you're searching for a primary residence, a vacation getaway, or a turnkey short-term rental investment, 126 N Vestavia delivers the full package at the right price. Properties like this don't last long on the West End, schedule your private showing today!

21. 2026-04-26
    historical
22. 2026-04-26
    price $320,000
23. 2026-04-24
    price $325,000
24. 2026-03-28
    price $339,000
25. 2026-03-07
    price $359,000
26. 2026-02-18
    price $369,000
27. 2026-02-12
    listed $379,000 Active
28. 2025-09-22
    listed $379,999 Active
29. 2025-06-07
    historical
30. 2025-05-21
    soldstatus $70,000
31. 2025-04-23
    price $79,000
32. 2025-04-17
    price $89,000
33. 2025-04-09
    listed $99,000 Active
34. 2004-09-24
    soldstatus $30,000

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 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 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,633
• − Mortgage interest: −$17,477
• − Property taxes: −$4,680
• − Insurance: −$1,560
• − Repairs & maintenance: −$2,531
• − Management: −$2,531
• − Depreciation: −$9,076
• Taxable loss: −$6,222
• Est. tax savings @ 24.0%: +$1,493
• After-tax cash flow: $609/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 — Panama City Beach

• Score: 78/100
• State rank: #172
• US rank: #2624

Category grades

Amenities D- Commute F 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: Panama City Beach, FL
• County: Bay County · 163,593 people
• City population: 50,689
• 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

+940.0% since first listed

21 events — show timeline

• 2026-06-09 Price Changed $311,999 ECAR
• 2026-06-09 Price Changed $311,999 CPARMLS
• 2026-05-26 Price Changed $313,999 ECAR
• 2026-05-26 Price Changed $313,999 CPARMLS
• 2026-05-11 Price Changed $314,999 CPARMLS
• 2026-04-29 Listed $330,000 CPARMLS
• 2026-04-29 Listed $314,999 ECAR
• 2026-04-26 Listing Removed — CPARMLS
• 2026-04-26 Price Changed $320,000 CPARMLS
• 2026-04-24 Price Changed $325,000 CPARMLS
• 2026-03-28 Price Changed $339,000 CPARMLS
• 2026-03-07 Price Changed $359,000 CPARMLS
• 2026-02-18 Price Changed $369,000 CPARMLS
• 2026-02-12 Listed $379,000 CPARMLS
• 2025-09-22 Listed $379,999 CPARMLS
• 2025-06-07 Listing Removed — CPARMLS
• 2025-05-21 Sold (Public Records) $70,000 Public Records
• 2025-04-23 Price Changed $79,000 CPARMLS
• 2025-04-17 Price Changed $89,000 CPARMLS
• 2025-04-09 Listed $99,000 CPARMLS
• 2004-09-24 Sold (Public Records) $30,000 Public Records

Property tax history

+6.3%/yr

Latest (2025): $350 · +5.7% YoY. Source: county tax records.