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3911 W 21st Place, Panama City, FL 32405

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For Sale

$285,000

3 beds • 2 baths • 1,495 sqft

Estimated Payment

$ 1,629 /mo. †

6.76% APR for 30 yrs.
$1,783 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $190.64
    Price per square foot

  • 41-50 Years Old
    Age

Explore this Property

Welcome to your beautifully renovated 1976 home, a perfect blend of classic charm and modern comforts! This spacious 3-bedroom, 1.5-bath residence features an inviting extra living area, ideal for entertaining or relaxing with family.As you step inside, you'll notice the spacious floor plan, bathed in natural light from large windows. The modern kitchen boasts updated appliances, stylish countertops, and ample cabinetry, making it a joy to cook and gather. The living room flows seamlessly into the dining area, creating a warm and welcoming atmosphere.The bedrooms are generously sized, offering plenty of storage and cozy retreats at the end of the day. The bathrooms have been tastefully remodeled, featuring contemporary fixtures and soothing color palettes.Outside, the lush landscaping surrounds the property, providing a serene and private oasis. A charming patio area invites you to enjoy outdoor meals or morning coffee in a tranquil setting in the back and a Covered screen porch up front allows for quiet evenings outside or in the morning enjoying your coffee. Located just 10 minutes from the stunning Panama City Beach, you can easily enjoy sun-soaked days by the ocean. With nearby colleges, dining options, and convenient access to public transportation, this home offers the ideal lifestyle for families, students, or anyone looking to enjoy the vibrant local community. Don't miss your chance to make this exceptional property your own!
MLS# 764157

Courtesy Of Beachy Beach Real Estate

(850) 527-5651

Property Features

  • Age
    41-50 Years Old
  • Amenities
    Porch, Patio, Ceiling Fan
  • Appliances
    Dishwasher, Oven, Range, Refrigerator, Washer
  • Architecture Style
    New Traditional
  • Cooling System
    Ceiling Fan(s)
  • Heating System
    Central Furnace
  • Lot Size
    0.19 Acres

Map and Directions

Directions to 3911 W 21st Place, Panama City, FL 32405

Home seller CENTURY 21 Ryan Realty

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 Ryan Realty

(850) 233-7926
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,480
  • Property Taxes
    $148
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,629

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 0.4 miles
1900 michigan ave

455 total students
13:1 Student teacher ratio

School Rating: C+

School Details

Bay High School

Grades 9-12 Public School

Panama City, FL 32401 3.3 miles
1200 harrison ave

1039 total students
23:1 Student teacher ratio

School Rating: B-

School Details
Other Nearby Schools Distance Type Grades School Rating
Gulf Coast School For Autism 0.9 miles Private KG-12
Bacot Academy 1.1 miles Private KG-11
Covenant Christian School 1.2 miles Private PK-12
Rising Leaders Academy 1.4 miles Public KG-12 C+
St. Andrew School At Oakland Terrace 1.6 miles Public PK-5 F
Central High School 1.9 miles Public 9-12 D-
Central Academy 1.9 miles Public 6-12
St John Catholic School 1.9 miles Private KG-8
Northside Elementary School 2 miles Public PK-5 D+
Bay Virtual Instruction Program 2.1 miles Public KG-11
Bay Virtual Franchise 2.1 miles Public KG-12 B-
Bay Virtual Instruction (course Offerings) 2.1 miles Public 9-12
University Academy Sabl Inc 2.2 miles Public KG-8 A+
Bay Virtual Instruction Program (district Provided) 2.3 miles Public KG-12 C+
Exceptional Student Education 2.3 miles Public PK-12
Palm Bay Elementary School 2.5 miles Public KG-5 C
Palm Bay Preparatory Academy 6-12 2.5 miles Public 6-12 B+
Jinks Middle School 2.9 miles Public 6-8 D
Panama City Advanced School 2.9 miles Private PK-12

Gulf Coast School For Autism

Distance: 0.9 miles

Type Private

Grades: KG-12

Bacot Academy

Distance: 1.1 miles

Type Private

Grades: KG-11

Covenant Christian School

Distance: 1.2 miles

Type Private

Grades: PK-12

Rising Leaders Academy

Distance: 1.4 miles

Type Public

Grades: KG-12

C+

St. Andrew School At Oakland Terrace

Distance: 1.6 miles

Type Public

Grades: PK-5

F

Central High School

Distance: 1.9 miles

Type Public

Grades: 9-12

D-

Central Academy

Distance: 1.9 miles

Type Public

Grades: 6-12

St John Catholic School

Distance: 1.9 miles

Type Private

Grades: KG-8

Northside Elementary School

Distance: 2 miles

Type Public

Grades: PK-5

D+

Bay Virtual Instruction Program

Distance: 2.1 miles

Type Public

Grades: KG-11

Bay Virtual Franchise

Distance: 2.1 miles

Type Public

Grades: KG-12

B-

Bay Virtual Instruction (course Offerings)

Distance: 2.1 miles

Type Public

Grades: 9-12

University Academy Sabl Inc

Distance: 2.2 miles

Type Public

Grades: KG-8

A+

Bay Virtual Instruction Program (district Provided)

Distance: 2.3 miles

Type Public

Grades: KG-12

C+

Exceptional Student Education

Distance: 2.3 miles

Type Public

Grades: PK-12

Palm Bay Elementary School

Distance: 2.5 miles

Type Public

Grades: KG-5

C

Palm Bay Preparatory Academy 6-12

Distance: 2.5 miles

Type Public

Grades: 6-12

B+

Jinks Middle School

Distance: 2.9 miles

Type Public

Grades: 6-8

D

Panama City Advanced School

Distance: 2.9 miles

Type Private

Grades: PK-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 32405

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Panama City, FL 32405

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

90° July
Hottest Average Month
42° January
Coldest Average Month
11,928 Total Households in Area
6.6% Increase in population since the year 2010
35%
of households
have children
23 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 32405

Panama City, FL 32405 has a population of 29,333 people in 11,928 households with a median age of 38.7 years old.

6.6%
Increase in population
since the year 2010
Population is Trending up
10,641
Total households as of 2010
9.5%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 38.7 years old. The smallest percentage group is 25-34 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 67%
Black 13%
Hispanic 12%
Other 6%
Asian 3%
Native American <1%
The most prevalent ethnicity is White at 67%, followed by Black at 13%, Hispanic at 12%, and Other at 6%.

Economics
for Panama City, FL 32405

1,460 /sq mi
Population Density
$65,067 /yr
Median Household Income
$310,000
Median Sales Price
23 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 19.45% of the households.

Transportation to Work

  • Drive 92%
  • Work from Home 6%
  • Walk or Bike 1%
  • Public Transit 1%

Occupancy by Type

Owned 7,661 55%
Rented 4,266 31%
Vacant 1,954 14%

White vs Blue Collar Jobs







White Collar 78%
Blue Collar 23%

Family & Education Facts
for Panama City, FL 32405

38.7 Median Age

Average Household Size

2.4
persons per
household

46%

Married Households

Community Population By Education

High School Graduate 26%
Some College 24%
Bachelors Degree 18%
Associates Degree 12%
Graduate Degree 11%
Some High School 9%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 25.68% 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)
35.1% of households have children

Weather
for Panama City, FL 32405

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
45°
65°
Mar
51°
71°
Apr
57°
77°
May
64°
84°
Jun
71°
89°
Jul
73°
90°
Aug
73°
90°
Sep
70°
88°
Oct
59°
80°
Nov
50°
72°
Dec
44°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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There's more to learn about Panama City, FL 32405!
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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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