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2923 Cedars Xing, Panama City, FL, 32405

3beds
2baths
1,545sqft
$303,500
$196price/sqft
$2,149/moest. monthly cost
$85,960/yrincome needed

About This Home

Located just 10 miles from Tyndall Air Force Base and only 4.3 miles from Downtown Panama City, this beautifully updated home offers the perfect blend of comfort, style, and convenience. Inside, you'll find durable LVP flooring throughout (2022). Major kitchen updates completed in 2022, including freshly painted cabinets with updated hardware, stylish butcher block countertops, a modern backsplash, and new appliances, creating a move-in ready space you'll love coming home to. A new roof was installed in 2019, adding even more value and peace of mind. The garage offers a workshop getaway. Work bench, wall storage to see all your toys, uh tools, and a screen door for the garage that allows the light and breeze in, but not anything else! It's perfect for those who like to work on projects. Step outside to a screened porch overlooking the privacy-fenced backyard, complete with a sprinkler system and storage building, making it ideal for entertaining, relaxing, or storing outdoor equipment. Located near shopping, dining, schools, and everyday amenities, this home combines modern updates, functionality, and an unbeatable central location. Whether you're a first-time homebuyer, military family, or investor, this is an opportunity you won't want to miss!

Getting Around

7
WalkingCar-Dependent
19
TransitMinimal Transit
28
BikeSomewhat Bikeable

Schools

4/10
2/10
Rutherford High SchoolGrades 6-121.0 mi
4/10
Bay High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 2009

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Washer/Dryer Stacked,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater
  • Laundry features: Stacked

Bedroom

  • Level: First
  • Dimensions: 11.8 x 11

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Coffered Ceiling(s),Main Level Primary,Smart Thermostat,Tub Shower,Walk-In Closet(s)
  • Window features: Double Pane Windows

Heating & Cooling

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

Interior Area

  • Total structure area: 1,545
  • Total interior livable area: 1,545 sqft

Kitchen

  • Level: First
  • Dimensions: 14.5 x 11.5

Laundry

  • Level: First
  • Dimensions: 6.5 x 5.5

Living Room

  • Level: First
  • Dimensions: 25 x 17

Master Bathroom

  • Level: First
  • Dimensions: 13.5 x 6

Master Bedroom

  • Level: First
  • Dimensions: 15 x 14

Other

  • Level: First
  • Dimensions: 8.5 x 6

Property

Details

  • Parcel number: 14805119000

Features

  • Patio & porch: Porch,Screened
  • Exterior features: Porch
  • Fencing: Fenced,Privacy

Lot

  • Lot size: 7,405 sqft
  • Features: Sprinkler System
  • Lot size dimensions: 60 x 120

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Strong Wind
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 $1,534$18,408
Home Insurance *$148$1,776
Property Taxes $270$3,240
Electricity $197$2,366
Total$2,149$25,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,680/yr
40% on housing$64,470/yr
45% on housing$57,306/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

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 32405$207
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32405$196
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
2026-08-08Price change$299,500
2026-07-14Price change$303,500
2026-06-04Listed for sale$310,000
2022-07-22Sold$275,000
2022-06-26Pending sale$275,000
2022-06-24Listed for sale$275,000
2009-02-10Sold$179,000

For Sale by Agent

AgentHeather Fox
BrokerageBeachy Beach Real Estate

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