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Panama City, FL 32408

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For Sale

$125,000

0.24 acres

Estimated Payment

$ 672 /mo. †

6.67% APR for 30 yrs.
$348 in taxes
Change Loan Terms

  • Vacant Land
    Property type

  • 0.2 acres
    Lot size

Explore this Property

Discover the perfect opportunity to build your dream home in the heart of Panama City Beach! This almost quarter of an acre offers a prime location, with close proximity to the beautiful white sand beaches, local dining, shopping, and a plethora of recreational activities including St. Andrew's State Park. Only 4 miles to the Dolphin Boat Ramp on S. Lagoon Drive and the nearest beach access is just 1.5 miles away at Access 24.The lot is nestled in a quiet, desirable neighborhood, providing a peaceful setting with easy access to all the attractions the beach has to offer. With ample space for your custom home, this property can accommodate a single family home, a duplex or modular home. It is ideal for those looking to enjoy both the coastal lifestyle and the tranquility of a residential community.Don't miss out on this exceptional chance to secure your piece of paradise in one of Florida's most sought-after destinations. Contact us today to learn more or schedule a viewing!The property currently has power, a water meter and septic onsite. *Bay County Planning & Zoning has said the current setbacks to build are 20' from the front, 5' on the sides and 10' off the back.*Buyer to verify all information and measurements, if important.
MLS# 767336

Listed By CENTURY 21 Ryan Realty

Property Features

  • Heating - Fuel Type
    Other
  • Lot Size
    0.24 Acres
  • Style
    Other Style

Area Map

Home seller Meet the Agent,
Natalie Ryan

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

Natalie Ryan

of CENTURY 21 Ryan Realty

(850) 960-1731
Learn More About Me

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $643
  • Property Taxes
    $29
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $672

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

Schools

Patronis Elementary School

Grades KG-5 Public School

Panama City, FL 32408 0.5 miles
7400 patronis dr

650 total students
15:1 Student teacher ratio

School Rating: B

School Details

Surfside Middle School

Grades 6-8 Public School

Panama City Beach, FL 32413 5.6 miles
300 nautilus st

762 total students
20:1 Student teacher ratio

School Rating: B-

School Details

J.r. Arnold High School

Grades 9-12 Public School

Panama City Beach, FL 32407 3.6 miles
550 n alf coleman rd

1563 total students
26:1 Student teacher ratio

School Rating: C+

School Details
Other Nearby Schools Distance Type Grades School Rating
Breakfast Point Academy 3.3 miles Public KG-8 B
Lucille Moore Elementary School 4 miles Public PK-5 C+
Hutchison Beach Elementary School 4.5 miles Public KG-5 B+
Gulf Coast School For Autism 4.8 miles Private KG-12
St. Andrew School At Oakland Terrace 4.8 miles Public PK-5 F
Rising Leaders Academy 4.8 miles Public KG-12 C+
St John Catholic School 5 miles Private KG-8
Bacot Academy 5 miles Private KG-11
Covenant Christian School 5.1 miles Private PK-12

Breakfast Point Academy

Distance: 3.3 miles

Type Public

Grades: KG-8

B

Lucille Moore Elementary School

Distance: 4 miles

Type Public

Grades: PK-5

C+

Hutchison Beach Elementary School

Distance: 4.5 miles

Type Public

Grades: KG-5

B+

Gulf Coast School For Autism

Distance: 4.8 miles

Type Private

Grades: KG-12

St. Andrew School At Oakland Terrace

Distance: 4.8 miles

Type Public

Grades: PK-5

F

Rising Leaders Academy

Distance: 4.8 miles

Type Public

Grades: KG-12

C+

St John Catholic School

Distance: 5 miles

Type Private

Grades: KG-8

Bacot Academy

Distance: 5 miles

Type Private

Grades: KG-11

Covenant Christian School

Distance: 5.1 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 32408

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Panama City, FL 32408

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

90° July
Hottest Average Month
43° January
Coldest Average Month
7,537 Total Households in Area
4.9% Increase in population since the year 2010
27.2%
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 32408

Panama City, FL 32408 has a population of 15,982 people in 7,537 households with a median age of 43.1 years old.

4.9%
Increase in population
since the year 2010
Population is Trending up
6,836
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 25-34 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 81%
Hispanic 7%
Black 4%
Other 3%
Asian 2%
Native American <1%
The most prevalent ethnicity is White at 81%, followed by Hispanic at 7%, Black at 4%, and Other at 3%.

Economics
for Panama City, FL 32408

1,394 /sq mi
Population Density
$72,603 /yr
Median Household Income
$417,500
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 21.96% of the households.

Transportation to Work

  • Drive 90%
  • Work from Home 6%
  • Walk or Bike 2%
  • Public Transit 1%

Occupancy by Type

Vacant 7,061 48%
Owned 5,489 38%
Rented 2,048 14%

White vs Blue Collar Jobs







White Collar 76%
Blue Collar 24%

Family & Education Facts
for Panama City, FL 32408

43.1 Median Age

Average Household Size

2.1
persons per
household

50.4%

Married Households

Community Population By Education

Bachelors Degree 26%
Some College 22%
High School Graduate 20%
Associates Degree 17%
Graduate Degree 11%
Some High School 5%
Of the total people surveyed, the most prevalent educational attainment level is Bachelors Degree, representing 26.01% 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)
27.2% of households have children

Weather
for Panama City, FL 32408

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°
66°
Mar
51°
71°
Apr
57°
78°
May
65°
84°
Jun
71°
89°
Jul
74°
90°
Aug
73°
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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