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6222 Pinetree Ave, Panama City Beach, FL, 32408

3beds
3baths
1,601sqft
$525,000
$328price/sqft
$4,021/moest. monthly cost
$160,840/yrincome needed

About This Home

Short-term rental allowed • No HOA • Near beach access • Fenced backyard Built in 2018, this 3BR/2.5BA single-story home offers an open layout, oversized kitchen island, split-bedroom design, and a primary suite with jetted tub, separate shower, and walk-in closet. Fully fenced backyard with patio and storage shed. Located minutes to beach access, marinas, and St. Andrews State Park. Suitable for full-time use, second home, or rental investment.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

8/10
7/10
Surfside Middle SchoolGrades 6-86.6 mi
4/10
J.R. Arnold High SchoolGrades 9-124.9 mi

Construction

Condition

  • Year built: 2018

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Tile,Carpet

Heating & Cooling

  • Heating features: Forced air,Electric,Solar
  • Cooling features: Central,Other,Solar

Interior Area

  • Total interior livable area: 1,601 sqft

Property

Details

  • Parcel number: 30753186000

Features

  • Exterior features: Cement / Concrete

Lot

  • Lot size: 5,750 sqft

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
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 $2,654$31,848
Home Insurance *$722$8,664
Property Taxes $448$5,376
Electricity $197$2,366
Total$4,021$48,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,862/yr
40% on housing$120,630/yr
45% on housing$107,226/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

$328This listing

vs Other Active Listings

Avg $/sqft

ZIP 32408$233
Bay County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 32408$299
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
2026-04-21Listed for sale$525,000
2025-10-01Listing removed$550,000
2025-07-15Price change$550,000
2025-06-06Price change$560,000
2025-03-24Listed for sale$565,000
2018-11-15Sold$295,000
2018-08-04Price change$299,000
2018-07-17Price change$309,000
2018-06-28Price change$315,000
2018-06-22Price change$319,000
2018-06-19Price change$319,900
2018-05-21Listed for sale$325,000
2017-07-13Sold$45,000
2014-03-07Sold$25,000
2002-01-10Sold$21,000

For Sale by Owner

AgentProperty Owner

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