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287 Hugh Thomas Drive, Panama City, FL 32404

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For Sale

$685,900

4 beds • 4 baths • 1 half baths • 2,429 sqft

Estimated Payment

$ 3,668 /mo. †

6.76% APR for 30 yrs.
$1,270 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $282.38
    Price per square foot

  • 1-5 Years Old
    Age

Explore this Property

Discover your dream home located on Calloway Bayou just miles from the charm of Historic St. Andrews and downtown Panama City known for its quaint shops, dining & entertainment. This beautifully crafted NEW construction waterfront property, offering the perfect blend of modern living and tranquil waterfront beauty on nearly a half acre lot. Imagine waking up to breathtaking water views & enjoying the convenience of adding your own private dock or luxurious pool to create the ultimate outdoor oasis. Navigate Callaway Bayou all the way to East Bay and Shell Island. Don't miss this rare opportunity to own a beautifully appointed hom with NO HOA, NO flood insurance required! Prime location near Tyndall AFBInterior offers beautiful architectural details like tongue and groove pine vaulted ceilings, incredible pocket sliders bringing the outside in and upscale state of the art kitchen. Additional features are ensuite bathrooms for every room, stainless appliances, Quartz countertops, an open floor plan ideal for entertaining and premier indoor/outdoor living with an expansive covered back porch. The lot is large enough for a pool and you can add a dock for easy access to the water. Not one but two bedrooms are waterfront and you can capture the same stunning views from the living & dining area and kitchen. The main living areas and primary bedroom features luxury vinyl flooring. The ensuite bathrooms are impressive with custom tiled showers and the primary also offers a large soaking tub to unwind in. There is a half bath off the kitchen which is ideal while entertaining. There is nice storage with the 3-car garage and plenty of parking. Don't miss out on this amazing opportunity to own an exceptional waterfront new construction home and the chance to embrace the ultimate coastal lifestyle. 2 x 6 construction, spray foam insulation, open cell in ceiling, closed cell in walls, 5 ton Carrier HVAC w 3 yr warranty from American, M.I. hurricane impact doors and windows, 8 ft exterior doors, 6 ft interior doors, Lift Master smart garage, quiet close doors, fortified roof construction, ice and watershield protector on entire home, LVP floors, tongue and groove pine vaulted ceilings,1 year builder warranty, Hurricane threaded rods.
MLS# 763579

Courtesy Of EXP Realty LLC

(850) 460-2900

Property Features

  • Age
    1-5 Years Old
  • Amenities
    Ceiling Fan, Water Front
  • Appliances
    Cooktop, Dishwasher, Garbage Disposer, Microwave, Oven, Refrigerator, Washer
  • Architecture Style
    Contemporary
  • Cooling System
    Ceiling Fan(s)
  • Heating System
    Central Furnace
  • Lot Size
    0.63 Acres
  • Rooms
    Kitchen, Living Room

Map and Directions

Directions to 287 Hugh Thomas Drive, Panama City, FL 32404

Home seller CENTURY 21 Commander Realty, Inc.

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

CENTURY 21 Commander Realty, Inc.

(850) 769-8326
Learn More About Us

Mortgage Calculator

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Loan Term
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Monthly Payment Breakdown

  • Principle and Interest
    $3,563
  • Property Taxes
    $105
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $3,668

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

Schools

Callaway Elementary School

Grades KG-5 Public School

Panama City, FL 32404 0.9 miles
7115 e highway 22

384 total students
17:1 Student teacher ratio

School Rating: B+

School Details

Rutherford High School

Grades 6-12 Public School

Panama City, FL 32401 3.8 miles
1000 school ave

1379 total students
17:1 Student teacher ratio

School Rating: D+

School Details
Other Nearby Schools Distance Type Grades School Rating
Parker Elementary School 2.8 miles Public PK-5 C-
Margaret K. Lewis In Millville 4.2 miles Public PK-12
Cedar Grove Elementary School 4.3 miles Public PK-5 F
Tyndall Academy 5.6 miles Public PK-8 B
Hiland Park Elementary School 5.7 miles Public KG-5 D
Bay Haven Charter Academy 6.2 miles Public KG-5 B
Bay Haven Charter Middle School 6.2 miles Public 6-8 B

Parker Elementary School

Distance: 2.8 miles

Type Public

Grades: PK-5

C-

Margaret K. Lewis In Millville

Distance: 4.2 miles

Type Public

Grades: PK-12

Cedar Grove Elementary School

Distance: 4.3 miles

Type Public

Grades: PK-5

F

Tyndall Academy

Distance: 5.6 miles

Type Public

Grades: PK-8

B

Hiland Park Elementary School

Distance: 5.7 miles

Type Public

Grades: KG-5

D

Bay Haven Charter Academy

Distance: 6.2 miles

Type Public

Grades: KG-5

B

Bay Haven Charter Middle School

Distance: 6.2 miles

Type Public

Grades: 6-8

B

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 32404

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Panama City, FL 32404

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

90° July
Hottest Average Month
42° January
Coldest Average Month
15,408 Total Households in Area
7.5% Increase in population since the year 2010
34.3%
of households
have children
28 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 32404

Panama City, FL 32404 has a population of 40,551 people in 15,408 households with a median age of 40.2 years old.

7.5%
Increase in population
since the year 2010
Population is Trending up
13,605
Total households as of 2010
9.7%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 40.2 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 70%
Black 13%
Hispanic 8%
Other 3%
Asian 3%
Native American <1%
The most prevalent ethnicity is White at 70%, followed by Black at 13%, Hispanic at 8%, and Other at 3%.

Economics
for Panama City, FL 32404

146 /sq mi
Population Density
$66,339 /yr
Median Household Income
$281,400
Median Sales Price
28 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 21.4% of the households.

Transportation to Work

  • Drive 92%
  • Work from Home 6%
  • Walk or Bike 2%
  • Public Transit 0%

Occupancy by Type

Owned 11,540 62%
Rented 3,869 21%
Vacant 3,105 17%

White vs Blue Collar Jobs







White Collar 69%
Blue Collar 31%

Family & Education Facts
for Panama City, FL 32404

40.2 Median Age

Average Household Size

2.5
persons per
household

56.7%

Married Households

Community Population By Education

High School Graduate 28%
Some College 27%
Some High School 14%
Associates Degree 13%
Bachelors Degree 12%
Graduate Degree 7%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 28.35% 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)
34.3% of households have children

Weather
for Panama City, FL 32404

The weather for this area ranges from a high of 90° F in July to a low of 42° F in January

90° July
Hottest Average Month
42° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
42°
63°
Feb
44°
65°
Mar
50°
71°
Apr
56°
77°
May
64°
84°
Jun
71°
89°
Jul
73°
90°
Aug
73°
90°
Sep
69°
87°
Oct
59°
80°
Nov
50°
72°
Dec
44°
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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