7125 N Lagoon Dr Unit N · Upper Grand Lagoon, FL
Flood risk 6/10 · Moderate
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.51%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the 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 +11.8/15.0
- Schools +5.9/10.0
- Cash flow +4.9/30.0
- 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
$210,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
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
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.5-bath condo listed at $210k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-931 ($-11k/yr) — negative.
- To cash-flow at today's rent, offer at most $75k (64.1% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $187k (11.0% below list).
- Recommended offer: $75k (64.1% below list) — sets the bar for cash-flow.
- Cap rate 3.4% vs local median 2.6% in Upper Grand Lagoon — 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 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); 1312 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals lingering (median 117d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 64% 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 122 days — a 12% lower offer ($185k) is reasonable based on typical stale-listing flexibility.
- 13 sale attempts since 15y ago; this cycle's ask is 5% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo; HOA is 28% 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.
Questions for the listing agent
- 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?
- It's been on market 122 days. Have you received any prior offers? Is the seller open to a 64% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- 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?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new 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
- 3.41%
- Cash-on-cash
- -10.29%
- DSCR
- 0.54
- GRM
- 9.4
CMA / ARV
- ARV (median comp)
- $232,190
- List price
- $210,000
- Delta
- -9.56%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2619 Willow Oak Ct | 0.33mi | 3/2.0 (+1) | 1,248 (+4%) | 0mo | $178,000 | $143 | 71 |
| 3816 Quarts St Unit D | 0.50mi | 2/2.0 | 1,158 (-4%) | 0mo | $265,000 | $229 | 68 |
| 6903 N Lagoon Dr #48 | 0.20mi | 2/2.0 | 1,040 (-13%) | 0mo | $280,000 | $269 | 66 |
| 8706 Surf Dr Unit A | 1.41mi | 2/2.0 | 1,150 (-4%) | 0mo | $425,000 | $370 | 56 |
| 5801 Thomas Dr #907 | 1.06mi | 2/2.0 | 1,144 (-5%) | 0mo | $419,900 | $367 | 55 |
| 6508 N Lagoon Dr | 0.67mi | 2/1.5 | 1,122 (-6%) | 0mo | $190,000 | $169 | 53 |
| 6621 Gulf Dr | 0.59mi | 3/2.0 (+1) | 1,422 (+18%) | 0mo | $1,925,000 | $1,354 | 40 |
| 6201 Thomas Dr #1510 | 0.86mi | 2/2.0 | 1,367 (+14%) | 0mo | $670,000 | $490 | 40 |
| 6201 Thomas Dr #501 | 0.84mi | 2/2.0 | 1,367 (+14%) | 0mo | $550,000 | $402 | 39 |
| 1219 Thomas Dr #244 | 0.75mi | 2/2.0 | 900 (-25%) | 0mo | $228,000 | $253 | 38 |
| 2601 Oak St | 0.66mi | 3/2.0 (+1) | 1,457 (+21%) | 0mo | $325,000 | $223 | 37 |
| 5801 Thomas Dr #1021 | 1.04mi | 3/2.0 (+1) | 1,372 (+14%) | 0mo | $600,000 | $437 | 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
- IRR
- -55.4%
- Equity multiple
- -0.59×
- Total profit
- $-93,530
- Equity at exit
- $31,312
- IRR
- —
- Equity multiple
- -1.70×
- Total profit
- $-158,694
- Equity at exit
- $18,157
Cash invested: $58,800 (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
Active competition Active MLS
- For sale now
- 2 active · 5 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
- -35.2% 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
- 1312
- Price-to-rent
- 9.4×
Monthly cashflow live
- Estimated rent
- $1,870 high interval (Pro) →
- Mortgage (P&I)
- −$1,101
- Tax est. 1.5%
- −$262 /mo · $3,150/yr
- Insurance
- −$88
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$530
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$393
- Net cashflow
- $-931
Break-even live
Sensitivity live
| Price | -10% $-786 | -5% $-858 | +0% $-931 | +5% $-1,003 | +10% $-1,076 |
|---|---|---|---|---|---|
| Rent | -10% $-1,078 | -5% $-1,005 | +0% $-931 | +5% $-857 | +10% $-783 |
| Rate | -1.0pp $-825 | -0.5pp $-877 | base $-931 | +0.5pp $-985 | +1.0pp $-1,040 |
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
- $52,500
- Closing costs
- $6,300
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 28 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 | 116d | 1 | 0.02mi |
| 7813 N Lagoon Dr Unit 1 Panama City Beach, FL | 2.0 | 1.0 | 720 | $1,500 | $2.08 | 6d | 1 | 0.23mi |
| 7813 N Lagoon Dr Panama City, FL | 2.0 | 2.0 | 1060 | $1,900 | $1.79 | 116d | 1 | 0.23mi |
| 447 Water Oak Cir Panama City, FL | 2.0 | 2.0 | 980 | $1,800 | $1.84 | 116d | 1 | 0.28mi |
| 6901 N Lagoon Dr Panama City Beach, FL | 2.0 | 3.0 | 1230 | $2,000 | $1.63 | 6d | 1 | 0.30mi |
| 248 Scooter Dr Panama City Beach, FL | 3.0 | 2.0 | 1392 | $1,795 | $1.29 | 6d | 1 | 0.41mi |
| 6427 Sunset Ave Unit 2 Panama City, FL | 2.0 | 1.0 | 900 | $1,225 | $1.36 | 116d | 1 | 0.51mi |
| 2103 Bent Oak Ct Panama City, FL | 3.0 | 2.0 | 1000 | $1,800 | $1.80 | 116d | 1 | 0.54mi |
| 2340 Grand Oaks Ln Unit 1523381P Panama City Beach, FL | 2.0 | 1.0 | 1001 | $4,240 | $4.24 | 109d | 1 | 0.55mi |
| 7205 Thomas Dr Unit 1354970P Panama City Beach, FL | 2.0 | 2.0 | 1044 | $3,227 | $3.09 | 116d | 1 | 0.56mi |
| 7405A Beach Dr Unit 1355031P Panama City Beach, FL | 2.0 | 2.0 | 1291 | $2,124 | $1.65 | 116d | 1 | 0.59mi |
| 7220 Poinciana Dr Unit B Panama City, FL | 1.0 | 1.0 | 792 | $1,300 | $1.64 | 6d | 1 | 0.68mi |
| 2617 Cypress St Panama City, FL | 1.0 | 1.0 | 720 | $1,300 | $1.81 | 116d | 1 | 0.73mi |
| 5931 Pinetree Ave Panama City, FL | 2.0 | 1.0 | 900 | $1,600 | $1.78 | 116d | 1 | 0.84mi |
| 6219 Poinciana Dr Panama City, FL | 2.0 | 2.0 | 1214 | $2,350 | $1.94 | 116d | 1 | 0.88mi |
| 8623 N Lagoon Dr Panama City Beach, FL | 2.0 | 1.5 | 1200 | $1,950 | $1.62 | 4d | 1 | 0.89mi |
| 8115 Thomas Dr Unit 1355017P Panama City, FL | 1.0–2.0 | 1.0–2.0 | 618 | $1,723 | $2.79 | 0d | 2 | 0.94mi |
| 8227 S Lagoon Dr Unit 8227 Panama City Beach, FL | 2.0 | 2.5 | 1000 | $2,200 | $2.20 | 6d | 1 | 0.95mi |
| 5726 Beach Dr Panama City Beach, FL | 2.0 | 2.5 | 1158 | $1,795 | $1.55 | 6d | 1 | 1.04mi |
| 5710 Sunset Ave Unit 1523314P Panama City Beach, FL | 2.0 | 2.0 | 1087 | $8,246 | $7.59 | 116d | 1 | 1.06mi |
| 8424 Elizabeth Ave Panama City Beach, FL | 2.0 | 1.0 | 748 | $1,500 | $2.01 | 6d | 1 | 1.17mi |
| 5409 Hilltop Ave Panama City, FL | 2.0 | 1.0 | 800 | $1,300 | $1.62 | 116d | 1 | 1.29mi |
| 8730 Thomas Dr Unit 1355041P Panama City Beach, FL | 1.0 | 1.0 | 839 | $1,373 | $1.64 | 116d | 1 | 1.42mi |
| 5230 Beach Dr Unit D Panama City, FL | 1.0 | 1.0 | 900 | $1,200 | $1.33 | 116d | 1 | 1.43mi |
| 5230 Beach Dr Unit A Panama City, FL | 1.0 | 1.0 | 900 | $1,250 | $1.39 | 116d | 1 | 1.43mi |
| 2526 Laurie Ave Panama City, FL | 2.0 | 2.0 | 950 | $1,750 | $1.84 | 109d | 1 | 1.47mi |
| 2195 Wilkinson St Panama City Beach, FL | 1.0–3.0 | 1.0–2.0 | 1017 | $1,996 | $1.96 | 0d | 28 | 1.48mi |
| 8715 Surf Dr Unit 1523323P Panama City Beach, FL | 2.0 | 2.0 | 1194 | $5,377 | $4.50 | 109d | 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
-
2026-09-24days on market $210,000 Active 122 DOM
-
2026-09-24days on market $210,000 Active 121 DOM
-
2026-09-22days on market $210,000 Active 120 DOM
-
2026-09-20days on market $210,000 Active 118 DOM
-
2026-09-19days on market $210,000 Active 117 DOM
-
2026-09-18days on market $210,000 Active 116 DOM
-
2026-09-17days on market $210,000 Active 115 DOM
-
2026-09-16days on market $210,000 Active 114 DOM
-
2026-09-15days on market $210,000 Active 113 DOM
-
2026-09-14days on market $210,000 Active 112 DOM
-
2026-09-13days on market $210,000 Active 111 DOM
-
2026-09-12days on market $210,000 Active 110 DOM
-
2026-09-12days on market $210,000 Active 109 DOM
-
2026-09-05days on market $210,000 Active 103 DOM
-
2026-09-04days on market $210,000 Active 102 DOM
-
2026-09-03days on market $210,000 Active 101 DOM
-
2026-08-30days on market $210,000 Active 97 DOM
-
2026-08-29days on market $210,000 Active 96 DOM
-
2026-08-28days on market $210,000 Active 95 DOM
-
2026-08-27days on market $210,000 Active 94 DOM
-
2026-08-26days on market $210,000 Active 93 DOM
-
2026-08-25days on market $210,000 Active 92 DOM
-
2026-08-24days on market $210,000 Active 91 DOM
-
2026-08-23days on market $210,000 Active 90 DOM
-
2026-08-22days on market $210,000 Active 89 DOM
-
2026-08-21days on market $210,000 Active 88 DOM
-
2026-08-20price $210,000 Active 87 DOM
-
2026-08-20days on market $215,000 Active 87 DOM
-
2026-08-19days on market $215,000 Active 86 DOM
-
2026-08-18days on market $215,000 Active 85 DOM
-
2026-08-17days on market $215,000 Active 84 DOM
-
2026-08-16days on market $215,000 Active 83 DOM
-
2026-08-15days on market $215,000 Active 82 DOM
-
2026-08-14days on market $215,000 Active 81 DOM
-
2026-08-13days on market $215,000 Active 80 DOM
-
2026-08-12days on market $215,000 Active 79 DOM
-
2026-08-11days on market $215,000 Active 78 DOM
-
2026-08-10days on market $215,000 Active 77 DOM
-
2026-08-09days on market $215,000 Active 76 DOM
-
2026-08-08days on market $215,000 Active 75 DOM
-
2026-08-07days on market $215,000 Active 74 DOM
-
2026-08-06days on market $215,000 Active 73 DOM
-
2026-08-05days on market $215,000 Active 72 DOM
-
2026-08-04days on market $215,000 Active 71 DOM
-
2026-08-03days on market $215,000 Active 70 DOM
-
2026-07-31days on market $215,000 Active 67 DOM
-
2026-07-30days on market $215,000 Active 66 DOM
-
2026-07-29days on market $215,000 Active 65 DOM
-
2026-07-27days on market $215,000 Active 63 DOM
-
2026-07-25days on market $215,000 Active 61 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $22,438
- − Mortgage interest
- −$11,763
- − Property taxes
- −$3,150
- − Insurance
- −$6,169
- − Repairs & maintenance
- −$1,795
- − Management
- −$1,795
- − HOA
- −$6,360
- − Depreciation
- −$6,109
- Taxable loss
- −$14,703
- Est. tax savings @ 24.0%
- +$3,529
- After-tax cash flow
- $-7,639/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
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.
Zoned Schools
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 — Upper Grand Lagoon
- Score
- 67/100
- State rank
- #583
- US rank
- #11085
Category grades
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
- Severe rent burden
- 16% of renters
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 (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%
- Common ancestry
- Romanian 4% Lithuanian 4% Italian 2%
- Foreign-born
- 11% · Canada, South Korea
- Languages at home
- 88% English-only · Spanish 5% Russian/Polish/Slavic 4% Tagalog/Filipino 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
- ▼ -202.52%
- Current HPI
- 246.9126
- Rent YoY
- ▲ 2.55%
- 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
+233.3% since first listed35 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
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…