939 Tidewater Ln, Panama City, FL, 32404
About This Home
Spectacular Waterfront with excellent year-round water depths and no worries of low tides or any bridges to delay/disrupt your boating activities. Close to Tyndall AFB, local shopping/dining, and great proximity to Mexico Beach, Port St Joe and Panama City Beach. All surveys have been completed (boundary, topographic, elevation) and dock permit has been approved by FDEP. There is no requirement to build, but a two-story HOA-approved custom home plan will be provided to the buyer with all architectural plans to get started. Truly one of the nicest lots in the area. Enjoy the water view as/is or build your short dock and boat lift and get out on the water. OWNER FINANCING AVAILABLE: Terms based on the strength of the offer and down payment.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Type & Style
- Home type: SingleFamily
Property
Details
- Parcel number: 06701149000
Features
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
Lot
- Lot size: 0.43 Acres
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
- Coastal Flooding
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Wildfire
- 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 | $854 | $10,248 |
| Home Insurance * | $172 | $2,064 |
| Property Taxes | $229 | $2,748 |
| Electricity | $197 | $2,366 |
| Total | $1,452 | $17,424 |
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 |
|---|---|---|
| 2026-02-09 | Price change | $154,000 |
| 2026-01-17 | Price change | $158,000 |
| 2025-05-27 | Price change | $168,000 |
| 2025-02-17 | Listed for sale | $179,000 |
| 2024-10-29 | Sold | $165,000 |
| 2024-10-08 | Pending sale | $175,000 |
| 2024-09-18 | Listed for sale | $175,000 |
| 2023-04-30 | Listing removed | $180,000 |
| 2022-11-07 | Listed for sale | $180,000 |
| 2022-11-01 | Listing removed | -- |
| 2022-05-24 | Listed for sale | $190,000 |
| 2005-06-06 | Sold | $350,000 |
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