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4426 Bylsma Cir, Panama City, FL, 32404

4beds
2baths
1,860sqft
$360,000
$194price/sqft
$2,765/moest. monthly cost
$110,600/yrincome needed

About This Home

***USDA eligible location*** Welcome home to this beautifully updated 4-bedroom, 2-bath brick home in the highly desirable Bylsma Manor Estates! Offering a spacious split-floor plan and timeless quality throughout, this home combines comfort, functionality, and classic charm. From the moment you step inside, you'll appreciate the fresh interior paint, updated fixtures, and brand-new appliances, creating a move-in-ready home you'll love from day one. The oversized living room is the heart of the home, featuring a coz fireplace and plenty of space to gather with family and friends. Need extra space? The versatile Florida room is perfect as a home office, playroom, sunroom, or additional living area to fit your lifestyle. The spacious primary suite offers a private retreat with a large jetted soaking tub, separate shower, double vanity, and ample storage. Complete with a large walk-in closet and additional closets through the hallway within the primary suite. Throughout the home, you'll find beautiful real wood cabinetry, adding warmth, durability, and timeless appeal. The oversized two-car garage provides more than just parking, featuring an additional storage area complete with a pegboard wall suitable for tools and bike storage, making organization easy for hobbies, projects, and outdoor gear. Situated in the sought-after Bylsma Manor Estates, you'll enjoy the beauty and pride of ownership found in an established neighborhood without the expense, fees, or restrictions of an HOA. If you've been searching for a home that offers space, quality craftsmanship, and modern updates in one of the area's most desirable neighborhoods, this is one you won't want to miss. Schedule your private showing today before it's gone!

Getting Around

6
WalkingCar-Dependent
0
TransitNo Nearby Transit
27
BikeSomewhat Bikeable

Schools

3/10
4/10
4/10
Bay High SchoolGrades 9-125.9 mi

Construction

Condition

  • Year built: 2010

Materials

  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 11 x 13

Bedroom

  • Level: First
  • Dimensions: 11 x 13

Bedroom

  • Level: First
  • Dimensions: 11 x 10

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Double Vanity,Main Level Primary
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,860
  • Total interior livable area: 1,860 sqft

Master Bedroom

  • Level: First
  • Dimensions: 18 x 15

Property

Details

  • Parcel number: 05913100035
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Fencing: Partial

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 72.5+125

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Wildfire
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 $1,820$21,840
Home Insurance *$366$4,392
Property Taxes $382$4,584
Electricity $197$2,366
Total$2,765$33,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,800/yr
40% on housing$82,950/yr
45% on housing$73,733/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

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 32404$160
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32404$179
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
2026-07-31Listed for sale$360,000
2011-11-03Sold$192,800

For Sale by Agent

AgentJarah J Chesnut
BrokerageChesnut Realty, Inc

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