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2527 W 9th Street, Panama City, FL 32401

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For Sale

$1,800,010

5 beds • 3 baths • 3,380 sqft

Estimated Payment

$ 9,780 /mo. †

6.63% APR for 30 yrs.
$6,656 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • 1987
    Year built

  • $532.55
    Price per square foot

  • Attached Garage
    Garage Description

Explore this Property

If you've been in search of the ideal waterfront property, take a look at this 3,380 square foot, 4-bedroom, 3-bathroom waterfront residence that's situated on a generous well over a half-acre lot. You'll relish 83 feet of shoreline on St. Andrews Bay, and you're just a short stroll away from Historic Downtown St. Andrews whenever you desire. Don't miss your chance to make this unique property yours. The home was expertly constructed by its sole owner, who was an engineer. With foresight, they positioned the house at an elevated vantage to accommodate the ever-changing shoreline. The house is thoughtfully designed and solidly built, awaiting the creative touch of its future owners. Some noteworthy features include two wood-burning fireplaces, one of which is a Heatilator gas and wood-burning fireplace, and the other is located in the parlor, crafted with marble and a custom mantle. Additionally, there's a bedroom on the lower level with a walk-in closet, and the entire home boasts beautiful solid oak flooring, not to mention captivating Bay views from most rooms.
MLS# 748644

Listed By CENTURY 21 Ryan Realty

Property Features

  • Appliances
    Dishwasher, Dryer, Microwave, Range / Oven, Washer
  • Cooling
    Central A/C
  • Exterior Description
    Brick
  • Exterior Living Space
    Patio
  • Fireplace Description
    Fireplace, Electric
  • Garage Description
    Attached Garage
  • Location
    Waterfront
  • Lot Size
    0.6 Acres
  • Style
    Colonial

Map and Directions

Directions to 2527 W 9th Street, Panama City, FL 32401

Home seller Meet the Agent,
Melany Hathcock

Get to know the neighborhood. A local affiliated CENTURY 21 agent will help you set up tours, give advice, and negotiate with sellers.

Melany Hathcock

of CENTURY 21 Ryan Realty

(850) 628-0253
Learn More About Me

Mortgage Calculator

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Loan Term
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Monthly Payment Breakdown

  • Principle and Interest
    $9,225
  • Property Taxes
    $554
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $9,780

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

Schools

Lucille Moore Elementary School

Grades PK-5 Public School

Panama City, FL 32405 1.3 miles
1900 michigan ave

455 total students
13:1 Student teacher ratio

School Rating: C+

School Details
Other Nearby Schools Distance Type Grades School Rating
St. Andrew School At Oakland Terrace 0.5 miles Public PK-5 F
St John Catholic School 0.5 miles Private KG-8
Rising Leaders Academy 0.8 miles Public KG-12 C+
Bay Virtual Instruction Program 1.3 miles Public KG-11
Bay Virtual Instruction (course Offerings) 1.3 miles Public 9-12
Bay Virtual Franchise 1.3 miles Public KG-12 B-
Bay Virtual Instruction Program (district Provided) 1.4 miles Public KG-12 C+
Exceptional Student Education 1.4 miles Public PK-12
Palm Bay Elementary School 1.4 miles Public KG-5 C
Central High School 1.4 miles Public 9-12 D-
Central Academy 1.4 miles Public 6-12
Palm Bay Preparatory Academy 6-12 1.4 miles Public 6-12 B+
Jinks Middle School 1.8 miles Public 6-8 D
Gulf Coast School For Autism 1.8 miles Private KG-12
Northside Elementary School 1.8 miles Public PK-5 D+
Covenant Christian School 1.8 miles Private PK-12
Bacot Academy 1.9 miles Private KG-11
Bay High School 2.3 miles Public 9-12 B-
Chautauqua Charter School 2.3 miles Public 9-12

St. Andrew School At Oakland Terrace

Distance: 0.5 miles

Type Public

Grades: PK-5

F

St John Catholic School

Distance: 0.5 miles

Type Private

Grades: KG-8

Rising Leaders Academy

Distance: 0.8 miles

Type Public

Grades: KG-12

C+

Bay Virtual Instruction Program

Distance: 1.3 miles

Type Public

Grades: KG-11

Bay Virtual Instruction (course Offerings)

Distance: 1.3 miles

Type Public

Grades: 9-12

Bay Virtual Franchise

Distance: 1.3 miles

Type Public

Grades: KG-12

B-

Bay Virtual Instruction Program (district Provided)

Distance: 1.4 miles

Type Public

Grades: KG-12

C+

Exceptional Student Education

Distance: 1.4 miles

Type Public

Grades: PK-12

Palm Bay Elementary School

Distance: 1.4 miles

Type Public

Grades: KG-5

C

Central High School

Distance: 1.4 miles

Type Public

Grades: 9-12

D-

Central Academy

Distance: 1.4 miles

Type Public

Grades: 6-12

Palm Bay Preparatory Academy 6-12

Distance: 1.4 miles

Type Public

Grades: 6-12

B+

Jinks Middle School

Distance: 1.8 miles

Type Public

Grades: 6-8

D

Gulf Coast School For Autism

Distance: 1.8 miles

Type Private

Grades: KG-12

Northside Elementary School

Distance: 1.8 miles

Type Public

Grades: PK-5

D+

Covenant Christian School

Distance: 1.8 miles

Type Private

Grades: PK-12

Bacot Academy

Distance: 1.9 miles

Type Private

Grades: KG-11

Bay High School

Distance: 2.3 miles

Type Public

Grades: 9-12

B-

Chautauqua Charter School

Distance: 2.3 miles

Type Public

Grades: 9-12

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 32401

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Panama City, FL 32401

This community’s employment is highest in the healthcare practitioners and production occupations industries. The area’s overall household expenses are below the national average.

90° July
Hottest Average Month
43° January
Coldest Average Month
7,821 Total Households in Area
6.4% Increase in population since the year 2010
24.1%
of households
have children
21 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 32401

Panama City, FL 32401 has a population of 18,208 people in 7,821 households with a median age of 43.1 years old.

6.4%
Increase in population
since the year 2010
Population is Trending up
6,991
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 43.1 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 56%
Black 28%
Hispanic 9%
Other 4%
Asian 2%
Native American <1%
The most prevalent ethnicity is White at 56%, followed by Black at 28%, Hispanic at 9%, and Other at 4%.

Economics
for Panama City, FL 32401

1,587 /sq mi
Population Density
$45,284 /yr
Median Household Income
$210,000
Median Sales Price
21 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 21.08% of the households.

Transportation to Work

  • Drive 93%
  • Work from Home 3%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Owned 4,600 50%
Rented 3,221 35%
Vacant 1,426 15%

White vs Blue Collar Jobs







White Collar 70%
Blue Collar 30%

Family & Education Facts
for Panama City, FL 32401

43.1 Median Age

Average Household Size

2.3
persons per
household

31.3%

Married Households

Community Population By Education

High School Graduate 33%
Some College 24%
Some High School 16%
Bachelors Degree 12%
Associates Degree 9%
Graduate Degree 7%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 33.4% 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)
24.1% of households have children

Weather
for Panama City, FL 32401

The weather for this area ranges from a high of 90° F in July to a low of 43° F in January

90° July
Hottest Average Month
43° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
43°
63°
Feb
45°
65°
Mar
51°
71°
Apr
57°
77°
May
65°
84°
Jun
71°
89°
Jul
74°
90°
Aug
74°
90°
Sep
70°
88°
Oct
60°
81°
Nov
51°
72°
Dec
45°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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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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