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812 Maple Ave, Panama City, FL, 32401

2beds
2baths
1,007sqft
$280,000
$278price/sqft
$2,261/moest. monthly cost
$90,440/yrincome needed

About This Home

Great opportunity for the savvy investor. New concept for a changing market. This 1 bedroom/1 bath home per side screams affordability and efficiently. Apartment living is getting stale. This concept allows for more privacy and frees your tenant from that noisy apartment living. Maximize profits by living in one and renting the other. Limitless opportunities here. Separate electric and water meters for each side. Schedule your showing today.

Getting Around

28
WalkingCar-Dependent
22
TransitMinimal Transit
35
BikeSomewhat Bikeable

Schools

2/10
Jinks Middle SchoolGrades 6-82.0 mi
4/10
Bay High SchoolGrades 9-121.6 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Metal
  • Construction materials: HardiPlank Type

Type & Style

  • Home type: MultiFamily
  • Architectural style: Duplex
  • Property subType: Duplex,Multi Family

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater,Plumbed For Ice Maker

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,007
  • Total interior livable area: 1,007 sqft

Property

Details

  • Parcel number: 16321000000
  • Attached to another structure: Yes
  • Zoning description: Resid Multi-Family, Resid Single Family

Features

  • Patio & porch: Covered,Patio

Lot

  • Lot size: 4,791 sqft
  • Features: Paved
  • Lot size dimensions: 52 x 90

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Tornado
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,415$16,980
Home Insurance *$190$2,280
Property Taxes $459$5,508
Electricity $197$2,366
Total$2,261$27,132
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,520/yr
40% on housing$67,830/yr
45% on housing$60,293/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 32401$140
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32401$201
Bay County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-28Listed for sale$280,000
2026-01-03Listing removed$35,000
2025-11-05Listed for sale$35,000
2025-05-02Sold$26,000
2025-02-18Pending sale$30,000
2025-02-14Listed for sale$30,000
2024-10-02Sold$7,800

New Construction

AgentJames Cameron
BrokerageJC Real Estate Group, LLC.

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