6319 Oak Knoll Rd, Panama City, FL, 32404
About This Home
Welcome to your custom waterfront retreat on the shores of Deer Point Lake, where comfort, style, and stunning views come together with no HOA. This beautifully designed 4 bedroom, 3 bath home offers the perfect blend of luxury and functionality. From the moment you step inside, you are greeted by soaring beamed ceilings in the living room, creating a warm yet impressive gathering space filled with natural light. Just off the entry, a spacious home office sits behind a custom barn door, ideal for remote work or a quiet flex space. Across the hall, the formal dining room showcases a striking wood ceiling and detailed molding, adding charm and character. The heart of the home is the open concept kitchen, featuring a custom copper farmhouse sink, modern cabinetry, stone backsplash, and a large breakfast bar perfect for family and entertaining. Flowing seamlessly into the living area, you will find built in bookshelves, an electric fireplace, and beautiful views of the oversized screened porch and lake beyond. Designed with a split floor plan, one side of the home offers three oversized bedrooms and two full baths, providing comfort and privacy for family or guests. On the opposite side, the spacious primary suite serves as a true retreat, complete with room for a sitting area, a spa like bathroom with dual shower heads, soaking tub, walk in closet, and private patio access with breathtaking lake views. Outside is where this home truly shines. Relax on the large screened porch, sip your morning coffee overlooking the water, or head down to the brand new dock for easy access to everything Deer Point Lake has to offer. Thoughtfully designed inside and out, this exceptional lakefront home offers peaceful waterfront living in Panama City with space to grow, entertain, and make lifelong memories.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2015
Materials
- Foundation: Slab
- Roof: Composition,Shingle
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater
Bedroom
- Level: First
- Dimensions: 12 x 13
Bedroom
- Level: First
- Dimensions: 12 x 13
Bedroom
- Level: First
- Dimensions: 12 x 12
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Double Vanity,Main Level Primary,Sitting Area in Primary,Soaking Tub,Separate Shower,Walk-In Closet(s)
- Fireplace features: Electric
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric,Fireplace(s)
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,778
- Total interior livable area: 2,778 sqft
Master Bedroom
- Level: First
- Dimensions: 18 x 12
Property
Details
- Parcel number: 05534119000
- Zoning description: Resid Single Family
- Special condition: Listed As-Is
Features
- Patio & porch: Deck,Enclosed,Covered,Patio
- Exterior features: Deck,Dock,Patio
- Fencing: Chain Link,Partial
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Lake,Lake Front
Lot
- Lot size: 0.39 Acres
- Features: Paved
- Lot size dimensions: 80.0 ft x 210.0 ft
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
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,868 | $46,416 |
| Home Insurance * | $779 | $9,348 |
| Property Taxes | $707 | $8,484 |
| Electricity | $279 | $3,354 |
| Total | $5,633 | $67,596 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-06 | Price change | $759,900 |
| 2026-06-25 | Listed for sale | $765,000 |
| 2024-09-30 | Sold | $667,500 |
| 2024-08-15 | Pending sale | $715,000 |
| 2024-06-21 | Listed for sale | $715,000 |
| 2022-09-16 | Listing removed | -- |
| 2022-08-16 | Price change | $699,800 |
| 2022-07-24 | Price change | $720,000 |
| 2022-06-10 | Listed for sale | $740,000 |
| 2014-09-17 | Sold | $55,000 |
| 2014-09-04 | Price change | $70,000 |
| 2014-09-03 | Price change | $339,000 |
| 2014-07-11 | Price change | $70,000 |
| 2014-06-17 | Listed for sale | $75,000 |
| 2012-02-01 | Sold | $50,100 |
| 2005-04-11 | Sold | $142,500 |
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