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001 Hwy 2321, Panama City, FL 32409

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For Sale

$99,500

1.63 acres

Estimated Payment

$ 511 /mo. †

6.65% APR for 30 yrs.
$0 in taxes
Change Loan Terms

  • Other Residential
    Property type

  • 1.6 acres
    Lot size

Explore this Property

This is your chance to own affordable waterfront property on Deerpoint Lake. This property is truly unique because it has a water view of both the bay and the lake and it is located 1/2 mile from a fresh water and a salt water boat ramp! You may want to build a home and live there full time, or your lake house to visit, or maybe you even want to build a vacation rental? You may even put a dock in and enjoy the lake from your own backyard! We have had a septic person out to confirm installing one and will get you in touch with him. Seller has a survey and it's on the listing documents.
MLS# 741849

Courtesy Of Harvest One Realty powered by Sellstate

(850) 778-1182

Property Features

  • Amenities
    Water Front
  • Architecture Style
    Other
  • Lot Size
    1.63 Acres
  • View Type
    Lake

Map and Directions

Directions to 001 Hwy 2321, Panama City, FL 32409

Home seller CENTURY 21 BE3

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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $511
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $511

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Southport Elementary School

Grades PK-5 Public School

Panama City, FL 32409 2.2 miles
1835 bridge st

440 total students
18:1 Student teacher ratio

School Rating: B-

School Details
Other Nearby Schools Distance Type Grades School Rating
Deer Point Elementary School 1.5 miles Public KG-5 C
North Bay Haven Charter Academy Elementary School 2.7 miles Public KG-5 A
North Bay Haven Career Academy 2.7 miles Public 9-12 A
North Bay Haven Charter Academy Middle School 2.7 miles Public 6-8 A-
Lynn Haven Elementary School 3.2 miles Public PK-5 B-
Tommy Smith Elementary School 3.5 miles Public PK-5 C
Merritt Brown Middle School 3.5 miles Public 6-8 C-
Mowat Middle School 4.2 miles Public 6-8 C+
Bay Haven Charter Middle School 4.3 miles Public 6-8 B
Bay Haven Charter Academy 4.3 miles Public KG-5 B
The Northwest Florida Academy 4.6 miles Private 1-11
A Crawford Mosley High School 4.8 miles Public 9-12 B
Hiland Park Elementary School 5 miles Public KG-5 D
New Horizons Learning Center 5 miles Public 6-12
Panama City Advanced School 5.7 miles Private PK-12
University Academy Sabl Inc 6.3 miles Public KG-8 A+

Deer Point Elementary School

Distance: 1.5 miles

Type Public

Grades: KG-5

C

North Bay Haven Charter Academy Elementary School

Distance: 2.7 miles

Type Public

Grades: KG-5

A

North Bay Haven Career Academy

Distance: 2.7 miles

Type Public

Grades: 9-12

A

North Bay Haven Charter Academy Middle School

Distance: 2.7 miles

Type Public

Grades: 6-8

A-

Lynn Haven Elementary School

Distance: 3.2 miles

Type Public

Grades: PK-5

B-

Tommy Smith Elementary School

Distance: 3.5 miles

Type Public

Grades: PK-5

C

Merritt Brown Middle School

Distance: 3.5 miles

Type Public

Grades: 6-8

C-

Mowat Middle School

Distance: 4.2 miles

Type Public

Grades: 6-8

C+

Bay Haven Charter Middle School

Distance: 4.3 miles

Type Public

Grades: 6-8

B

Bay Haven Charter Academy

Distance: 4.3 miles

Type Public

Grades: KG-5

B

The Northwest Florida Academy

Distance: 4.6 miles

Type Private

Grades: 1-11

A Crawford Mosley High School

Distance: 4.8 miles

Type Public

Grades: 9-12

B

Hiland Park Elementary School

Distance: 5 miles

Type Public

Grades: KG-5

D

New Horizons Learning Center

Distance: 5 miles

Type Public

Grades: 6-12

Panama City Advanced School

Distance: 5.7 miles

Type Private

Grades: PK-12

University Academy Sabl Inc

Distance: 6.3 miles

Type Public

Grades: KG-8

A+

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Panama City, FL 32409

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Panama City, FL 32409

This community’s employment is highest in the construction and sales industries. The area’s overall household expenses are below the national average.

90° July
Hottest Average Month
41° January
Coldest Average Month
3,241 Total Households in Area
6.5% Increase in population since the year 2010
29.1%
of households
have children
29 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Panama City, FL 32409

Panama City, FL 32409 has a population of 8,456 people in 3,241 households with a median age of 45.4 years old.

6.5%
Increase in population
since the year 2010
Population is Trending up
2,896
Total households as of 2010
9.6%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 45.4 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 88%
Hispanic 5%
Other 2%
Black 1%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 88%, followed by Hispanic at 5%, Other at 2%, and Black at 1%.

Economics
for Panama City, FL 32409

59 /sq mi
Population Density
$57,908 /yr
Median Household Income
$252,625
Median Sales Price
29 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 16.53% of the households.

Transportation to Work

  • Drive 86%
  • Work from Home 12%
  • Walk or Bike 2%
  • Public Transit 0%

Occupancy by Type

Owned 2,872 79%
Vacant 411 11%
Rented 368 10%

White vs Blue Collar Jobs







White Collar 68%
Blue Collar 32%

Family & Education Facts
for Panama City, FL 32409

45.4 Median Age

Average Household Size

2.6
persons per
household

57.7%

Married Households

Community Population By Education

High School Graduate 34%
Some College 21%
Bachelors Degree 15%
Some High School 15%
Associates Degree 8%
Graduate Degree 6%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 34.44% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
29.1% of households have children

Weather
for Panama City, FL 32409

The weather for this area ranges from a high of 90° F in July to a low of 41° F in January

90° July
Hottest Average Month
41° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
41°
63°
Feb
43°
66°
Mar
49°
71°
Apr
55°
78°
May
63°
85°
Jun
70°
89°
Jul
72°
90°
Aug
72°
90°
Sep
69°
88°
Oct
58°
81°
Nov
49°
72°
Dec
43°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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