7125 N Lagoon Dr Unit N · Upper Grand Lagoon, FL 32408

$205,000

2 bd · 2.5 ba · 1,200 sqft · Condo · 167 Days on market

Built 1986 Good condition $171/sqft · 11% below area Est $231k · 11% under $530/mo HOA · 29% of rent

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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 +12.6/15.0
• Schools +5.9/10.0
• Cash flow +4.8/30.0
• 1% rule +3.9/10.0
• Condition / age +3.8/5.0
• Livability +3.4/5.0
• Rent growth +3.1/5.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks

This inviting GROUND FLOOR unit features a thoughtful split-bedroom layout with two spacious master suites, offering privacy and flexibility for owners, guests, or renters. The expansive open-concept living area flows beautifully, with large sliding doors that open to a private, courtyard-style side yard - an ideal sunny retreat for morning coffee, relaxing, or letting your pets enjoy some outdoor time. Whether you're looking for a full-time residence or a lucrative short-term rental opportunity, this unit delivers. The well-maintained complex offers a community pool, ample parking, and the relaxed atmosphere of a smaller, intimate community. Location is everything here.

Key facts

• Split-bedroom layout
• Master suites
• Ground floor unit

Tags

• GROUND FLOOR UNIT
• SPLIT-BEDROOM LAYOUT
• MASTER SUITES
• OPEN-CONCEPT LIVING AREA
• COMMUNITY POOL
• AMPLE PARKING

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath condo listed at $205k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-930 ($-11k/yr) — negative.
• To cash-flow at today's rent, offer at most $70k (65.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $183k (10.9% below list).
• Recommended offer: $70k (65.7% below list) — sets the bar for cash-flow.
• Cap rate 3.3% vs local median 2.6% in Upper Grand Lagoon — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 67/100 on livability (#583 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, crime A, cost of living B+; Watch: amenities F, commute F, health & safety 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: Patronis Elementary School (math 70% / reading 70%, grade A-, #345 of 2,144 statewide, top 17%, 648 students, 42% FRL); Surfside Middle School (math 58% / reading 59%, grade B, #148 of 571 statewide, top 26%, 843 students, 48% 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 rising (+2.5%/yr); 1433 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 51d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 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 $6k 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 167 days — a 12% lower offer ($180k) is reasonable based on typical stale-listing flexibility.
• 13 sale attempts since 15y 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo; HOA is 29% of rent.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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 $70,369 (65.7% 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 167 days. Have you received any prior offers? Is the seller open to a 66% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
9. 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?
10. 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.
11. 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.
12. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.89% ✗
• Cap rate: 3.34%
• Cash-on-cash: -10.53%
• DSCR: 0.53
• GRM: 9.4

CMA / ARV

• ARV (median comp): $231,426
• List price: $205,000
• Delta: -11.42%
• 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
311 Prudence Ln	0.26mi	3/2.0 (+1)	1,276 (+6%)	0mo	$325,000	$255	70
6425 Summer Oak Dr	0.60mi	2/2.0	1,232 (+3%)	0mo	$230,000	$187	65
3624 Betsy Ln	0.30mi	3/2.0 (+1)	1,310 (+9%)	0mo	$345,000	$263	63
5801 Thomas Dr Unit 712	1.02mi	2/2.0	1,144 (-5%)	0mo	$420,000	$367	55
5801 Thomas Dr #1319	1.02mi	2/2.0	1,144 (-5%)	0mo	$449,000	$392	55
6314 Hilltop Ave	0.55mi	3/2.0 (+1)	1,286 (+7%)	0mo	$350,000	$272	55
5801 Thomas Dr #1323	1.04mi	3/2.0 (+1)	1,248 (+4%)	0mo	$465,000	$373	51
5801 Thomas Dr #1204	1.03mi	3/2.0 (+1)	1,248 (+4%)	0mo	$508,000	$407	51
5620 Pinetree Ave	1.12mi	2/2.0	936 (-22%)	0mo	$340,000	$363	38
5801 Thomas Dr Unit 721	1.06mi	3/2.0 (+1)	1,372 (+14%)	0mo	$475,000	$346	34
5801 Thomas Dr Unit 621	1.06mi	3/2.0 (+1)	1,372 (+14%)	0mo	$500,000	$364	34
5801 Thomas Dr #621	1.06mi	3/2.0 (+1)	1,372 (+14%)	0mo	$500,000	$364	34

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

Projected returns pro-forma

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

5-year hold

• IRR: -56.6%
• Equity multiple: -0.61×
• Total profit: $-92,684
• Equity at exit: $30,566

10-year hold

• IRR: —
• Equity multiple: -1.75×
• Total profit: $-157,860
• Equity at exit: $17,725

Cash invested: $57,400 (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 →

Active competition Active MLS

• For sale now: 2 active · 6 under contract
• Median asking: $330,000 ($298/sqft)
• Median days on market: 105 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -35.4% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 32408

• Rents YoY: 2.5%
• Active inventory: 1433
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,826 high
• Mortgage (P&I): −$1,075
• Tax est. 1.5%: −$256 /mo · $3,075/yr
• Insurance: −$85
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$530
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $-930

Break-even live

Break-even rent $3,004

Max offer price $70,369

Occupancy floor —

Sensitivity live

Price	-10% $-789	-5% $-860	+0% $-930	+5% $-1,001	+10% $-1,072
Rent	-10% $-1,075	-5% $-1,003	+0% $-930	+5% $-858	+10% $-786
Rate	-1.0pp $-827	-0.5pp $-878	base $-930	+0.5pp $-984	+1.0pp $-1,038

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: $51,250
• Closing costs: $6,150
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7125 N Lagoon Dr Panama City, FL	2.0	2.5	1250	$2,000	$1.60	162d	1	0.02mi
7813 N Lagoon Dr Unit 4A Panama City Beach, FL	2.0	1.0	720	$1,650	$2.29	10d	1	0.23mi
7813 N Lagoon Dr Unit 1 Panama City Beach, FL	2.0	1.0	720	$1,500	$2.08	10d	1	0.23mi
7813 N Lagoon Dr Panama City, FL	2.0	2.0	1060	$1,900	$1.79	162d	1	0.23mi
447 Water Oak Cir Panama City, FL	2.0	2.0	980	$1,800	$1.84	162d	1	0.28mi
6901 N Lagoon Dr Panama City Beach, FL	2.0	3.0	1230	$2,000	$1.63	10d	1	0.30mi
6732 Sunset Ave Panama City Beach, FL	3.0	2.0	1232	$2,300	$1.87	10d	1	0.33mi
4024 Upas St Panama City Beach, FL	1.0	1.0	744	$1,300	$1.75	10d	1	0.40mi
248 Scooter Dr Panama City Beach, FL	3.0	2.0	1392	$1,795	$1.29	51d	1	0.41mi
6616 Beach Dr Unit B Panama City, FL	2.0	2.0	970	$1,500	$1.55	10d	1	0.44mi
6427 Sunset Ave Unit 2 Panama City, FL	2.0	1.0	900	$1,225	$1.36	162d	1	0.51mi
2103 Bent Oak Ct Panama City, FL	3.0	2.0	1000	$1,800	$1.80	162d	1	0.54mi
2340 Grand Oaks Ln Unit 1523381P Panama City Beach, FL	2.0	1.0	1001	$4,240	$4.24	154d	1	0.55mi
7205 Thomas Dr Unit 1354970P Panama City Beach, FL	2.0	2.0	1044	$3,227	$3.09	162d	1	0.56mi
7405A Beach Dr Unit 1355031P Panama City Beach, FL	2.0	2.0	1291	$2,124	$1.65	162d	1	0.59mi
6417 Causeway Rd Panama City Beach, FL	2.0	1.5	1326	$1,600	$1.21	0d	1	0.62mi
7220 Poinciana Dr Unit B Panama City, FL	1.0	1.0	792	$1,200	$1.52	9d	1	0.68mi
2617 Cypress St Panama City, FL	1.0	1.0	720	$1,300	$1.81	162d	1	0.73mi
2519 Beech St Panama City Beach, FL	2.0	1.5	1200	$1,550	$1.29	10d	1	0.76mi
6222 Sunset Dr Panama City Beach, FL	2.0	1.5	1080	$1,750	$1.62	6d	1	0.80mi
1219 Navy Blvd #82 Panama City Beach, FL	2.0	2.0	920	$1,750	$1.90	10d	1	0.82mi
5931 Pinetree Ave Panama City, FL	2.0	1.0	900	$1,600	$1.78	162d	1	0.84mi
5919 Pinetree Ave Panama City, FL	2.0	1.5	1172	$1,550	$1.32	1d	1	0.87mi
6219 Poinciana Dr Panama City Beach, FL	2.0	2.0	1214	$2,350	$1.94	6d	1	0.88mi
8623 N Lagoon Dr Panama City Beach, FL	2.0	1.5	1200	$1,950	$1.62	10d	1	0.89mi
8115 Thomas Dr Unit 1355017P Panama City, FL	1.0–2.0	1.0–2.0	618	$1,706	$2.76	10d	2	0.94mi
5726 Beach Dr Panama City Beach, FL	2.0	2.5	1158	$1,795	$1.55	51d	1	1.04mi
5710 Sunset Ave Unit 1523314P Panama City Beach, FL	2.0	2.0	1087	$8,246	$7.59	162d	1	1.06mi
8424 Elizabeth Ave Panama City Beach, FL	2.0	1.0	748	$1,500	$2.01	51d	1	1.17mi
5500 Sunset Ave Panama City Beach, FL	1.0	1.0	788	$1,300	$1.65	0d	1	1.25mi
5409 Hilltop Ave Panama City, FL	2.0	1.0	800	$1,300	$1.62	162d	1	1.29mi
5324 Pinetree Ave Panama City Beach, FL	2.0	1.0	950	$1,350	$1.42	10d	1	1.34mi
8730 Thomas Dr Unit 1355041P Panama City Beach, FL	1.0	1.0	839	$1,373	$1.64	162d	1	1.42mi
5230 Beach Dr Unit A Panama City, FL	1.0	1.0	900	$1,250	$1.39	162d	1	1.43mi
5230 Beach Dr Unit D Panama City, FL	1.0	1.0	900	$1,200	$1.33	162d	1	1.43mi
2526 Laurie Ave Unit B Panama City Beach, FL	2.0	2.0	1000	$1,800	$1.80	6d	1	1.47mi
2526 Laurie Ave Panama City, FL	2.0	2.0	950	$1,750	$1.84	154d	1	1.47mi
2195 Wilkinson St Panama City Beach, FL	1.0–3.0	1.0–2.0	1017	$1,924	$1.89	1d	32	1.48mi
9009 Banyan Beach Dr Panama City Beach, FL	3.0	2.5	1476	$2,295	$1.55	10d	1	1.48mi
8715 Surf Dr Unit 1523323P Panama City Beach, FL	2.0	2.0	1194	$5,377	$4.50	154d	1	1.49mi

Property features AI

Finance

• HOA & community: Has homeowners associationAssociation barbecue amenityCommunity poolShort-term rentals allowed

Exterior

• Parking: Dumpster available
• Utilities: Cable connectedPublic sewer
• Home design: Entry on level 1
• Construction: Shingle roofSlab foundation
• Exterior features: Covered porchFenced yardIn-ground community poolPaved lot

Interior

• Kitchen: Electric cooktopElectric range
• Bedrooms: Primary bedroom (second level)Bedroom (second level)
• Bathrooms: 2 full bathrooms1 half bathroom
• Heating & cooling: Central heatingCentral airCeiling fans
• Interior features: Covered porch
• Laundry & utility: Electric water heater

HOA detail $530/mo · $6,360/yr condo

• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 50 events

1. 2026-11-08
   days on market $205,000 Active 167 DOM
2. 2026-11-07
   days on market $205,000 Active 166 DOM
3. 2026-11-06
   days on market $205,000 Active 165 DOM
4. 2026-11-05
   days on market $205,000 Active 164 DOM
5. 2026-11-04
   days on market $205,000 Active 163 DOM
6. 2026-11-02
   days on market $205,000 Active 161 DOM
7. 2026-11-01
   days on market $205,000 Active 160 DOM
8. 2026-10-31
   days on market $205,000 Active 159 DOM
9. 2026-10-30
   days on market $205,000 Active 158 DOM
10. 2026-10-29
    days on market $205,000 Active 157 DOM
11. 2026-10-28
    days on market $205,000 Active 156 DOM
12. 2026-10-27
    days on market $205,000 Active 155 DOM
13. 2026-10-26
    days on market $205,000 Active 154 DOM
14. 2026-10-25
    days on market $205,000 Active 153 DOM
15. 2026-10-24
    days on market $205,000 Active 152 DOM
16. 2026-10-23
    days on market $205,000 Active 151 DOM
17. 2026-10-22
    days on market $205,000 Active 150 DOM
18. 2026-10-21
    days on market $205,000 Active 149 DOM
19. 2026-10-20
    days on market $205,000 Active 148 DOM
20. 2026-10-19
    days on market $205,000 Active 147 DOM
21. 2026-10-18
    days on market $205,000 Active 146 DOM
22. 2026-10-17
    days on market $205,000 Active 145 DOM
23. 2026-10-16
    days on market $205,000 Active 144 DOM
24. 2026-10-15
    days on market $205,000 Active 143 DOM
25. 2026-10-14
    days on market $205,000 Active 142 DOM
26. 2026-10-13
    days on market $205,000 Active 141 DOM
27. 2026-10-12
    days on market $205,000 Active 140 DOM
28. 2026-10-11
    days on market $205,000 Active 139 DOM
29. 2026-10-10
    days on market $205,000 Active 138 DOM
30. 2026-10-09
    days on market $205,000 Active 137 DOM
31. 2026-10-08
    days on market $205,000 Active 136 DOM
32. 2026-10-07
    days on market $205,000 Active 135 DOM
33. 2026-10-06
    days on market $205,000 Active 134 DOM
34. 2026-10-05
    price $205,000 Active 133 DOM
35. 2026-10-05
    days on market $210,000 Active 133 DOM
36. 2026-10-04
    days on market $210,000 Active 132 DOM
37. 2026-10-04
    days on market $210,000 Active 131 DOM
38. 2026-10-02
    days on market $210,000 Active 130 DOM
39. 2026-10-01
    days on market $210,000 Active 129 DOM
40. 2026-09-30
    days on market $210,000 Active 128 DOM
41. 2026-09-29
    days on market $210,000 Active 127 DOM
42. 2026-09-28
    days on market $210,000 Active 126 DOM
43. 2026-09-27
    days on market $210,000 Active 125 DOM
44. 2026-09-26
    days on market $210,000 Active 124 DOM
45. 2026-09-25
    days on market $210,000 Active 123 DOM
46. 2026-09-24
    days on market $210,000 Active 122 DOM
47. 2026-09-24
    days on market $210,000 Active 121 DOM
48. 2026-09-22
    days on market $210,000 Active 120 DOM
49. 2026-09-20
    days on market $210,000 Active 118 DOM
50. 2026-09-19
    days on market $210,000 Active 117 DOM

ⓘ 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 6/10 Major FEMA zone AE · 51% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,917
• − Mortgage interest: −$11,483
• − Property taxes: −$3,075
• − Insurance: −$6,144
• − Repairs & maintenance: −$1,753
• − Management: −$1,753
• − HOA: −$6,360
• − Depreciation: −$5,964
• Taxable loss: −$14,615
• Est. tax savings @ 24.0%: +$3,508
• After-tax cash flow: $-7,657/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.

Condition & rehab AI · 12 photos

Good 75/100 Cosmetic rehab Est. rehab $6,000–$18,000 screening

This ground-floor condo unit is in good condition with minor cosmetic updates needed. It offers a split-bedroom layout and an open-concept living area with a private courtyard-style side yard. The well-maintained complex offers a community pool and ample parking, making it an ideal short-term rental opportunity.

Repairs flagged

• Minor Kitchen cabinets — Dated cabinetry
• Minor Kitchen appliances — Dated appliances
• Minor Bathroom fixtures — Dated fixtures

Value-add opportunities

• Resale Paint exterior siding — Enhances curb appeal and value ↑
• Resale Replace kitchen cabinets and appliances — Modernizes kitchen and adds value ↑
• Resale Upgrade bathroom fixtures — Enhances bathroom aesthetics and value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

D Composite school gradezoned avg 59/100

Zoned Schools

Elementary Patronis Elementary School A- FL #345/2,144 Nat'l #3,382/41,679 Middle Surfside Middle School B FL #148/571 Nat'l #2,008/14,009 High J.r. Arnold High School D FL #204/667 Nat'l #6,282/17,239

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

C Composite livability gradescore 67/100

Livability — Upper Grand Lagoon

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

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Upper Grand Lagoon, FL
• County: Bay County · 206,264 people
• City population: 18,326
• Metro: Panama City, FL
• Population (ZIP): 18,832
• Household income: $80,822
• Rent vs Own: 37.0% rent · 63.0% own
• Severe rent burden: 16% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Hispanic / Latino 7% Two or more races 6% Black 3% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 4% Tagalog/Filipino 1%

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Political lean MEDSL · Bay

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

Not yet ingested

• Civics: —

Market trends

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

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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

Property features AI

Finance

• HOA & community: Has homeowners associationAssociation barbecue amenityCommunity poolShort-term rentals allowed

Exterior

• Parking: Dumpster available
• Utilities: Cable connectedPublic sewer
• Home design: Entry on level 1
• Construction: Shingle roofSlab foundation
• Exterior features: Covered porchFenced yardIn-ground community poolPaved lot

Interior

• Kitchen: Electric cooktopElectric range
• Bedrooms: Primary bedroom (second level)Bedroom (second level)
• Bathrooms: 2 full bathrooms1 half bathroom
• Heating & cooling: Central heatingCentral airCeiling fans
• Interior features: Covered porch
• Laundry & utility: Electric water heater

Price history

+233.3% since first listed

35 events — show timeline

• 2026-06-26 Price Changed $215,000 CPARMLS
• 2026-05-25 Price Changed $220,000 CPARMLS
• 2026-05-25 Listed $200,000 CPARMLS
• 2026-05-13 Listing Removed — CPARMLS
• 2026-04-21 Price Changed $225,000 ECAR
• 2026-04-21 Price Changed $225,000 CPARMLS
• 2026-02-03 Price Changed $229,000 ECAR
• 2026-02-03 Price Changed $229,000 CPARMLS
• 2025-11-15 Price Changed $235,000 CPARMLS
• 2025-11-14 Listed $235,000 ECAR
• 2025-11-14 Listed $248,000 CPARMLS
• 2023-03-31 Delisted — ECAR
• 2023-03-31 Listing Removed — CPARMLS
• 2023-03-13 Relisted — CPARMLS
• 2023-03-06 Relisted — ECAR
• 2023-03-06 Relisted — NAMLS
• 2023-02-05 Pending — CPARMLS
• 2023-01-31 Relisted — CPARMLS
• 2023-01-28 Contingent — CPARMLS
• 2023-01-25 Pending — CPARMLS
• 2022-12-05 Pending — NAMLS
• 2022-12-05 Pending — ECAR
• 2022-12-05 Listing Removed — NAMLS
• 2022-12-05 Contingent — CPARMLS
• 2022-11-15 Listed $224,900 ECAR
• 2022-11-11 Listed $224,900 NAMLS
• 2022-11-11 Listed $224,900 CPARMLS
• 2022-11-03 Delisted — ECAR
• 2022-09-23 Price Changed $218,900 ECAR
• 2022-08-30 Price Changed $225,000 ECAR
• 2022-07-26 Listed $229,000 ECAR
• 2021-12-14 Listing Removed — CPARMLS
• 2021-12-10 Sold (MLS) $200,000 CPARMLS
• 2021-09-27 Listed $215,000 CPARMLS
• 2011-06-29 Listed $64,500 CPARMLS