2432 Valley Oak Ct, Panama City Beach, FL, 32408
About This Home
Excellent investment or owner-occupant opportunity with this well designed 2-unit property, where each unit offers 2 bedrooms and 2 bathrooms. Both units feature separate power and water meters, allowing for fully independent living and strong rental flexibility. Both Unit A and Unit B are currently occupied, providing immediate income from day one. This property offers a great blend of functionality and investment appeal in a high-demand rental market, with strong potential for long-term rental performance and future flexibility. Location is a major highlight situated on North Lagoon, you're just a 2-minute drive to the beautiful beaches, and approximately 15 minutes from Pier Park, known for its shopping, dining, and entertainment.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2019
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: MultiFamily
- Architectural style: Duplex
- Property subType: Duplex,Multi Family
Interior
Appliances
- Appliances included: Electric Range,Electric Water Heater
Bedroom
- Level: First
- Dimensions: 11 x 11
Bedroom
- Level: First
- Dimensions: 11 x 13
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,196
- Total interior livable area: 2,196 sqft
Kitchen
- Level: First
- Dimensions: 11 x 8
Living Room
- Level: First
- Dimensions: 19 x 13
Property
Details
- Parcel number: 30167808000
- Attached to another structure: Yes
Features
- Patio & porch: Patio
- Exterior features: Patio
- Fencing: Fenced
Lot
- Lot size: 0.26 Acres
- Features: Paved
- Lot size dimensions: 75 x 150
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
- Coastal Flooding
- Cold Wave
- Heat Wave
- 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 | $2,401 | $28,812 |
| Home Insurance * | $653 | $7,836 |
| Property Taxes | $492 | $5,904 |
| Electricity | $221 | $2,652 |
| Total | $3,767 | $45,204 |
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 |
|---|---|---|
| 2026-06-01 | Price change | $475,000 |
| 2026-05-31 | Listed for sale | $499,000 |
| 2026-05-22 | Pending sale | $499,000 |
| 2026-05-18 | Price change | $499,000 |
| 2026-03-30 | Price change | $515,000 |
| 2026-02-10 | Price change | $525,000 |
| 2025-12-16 | Listed for sale | $549,900 |
| 2025-09-01 | Listing removed | $575,000 |
| 2025-04-10 | Listing removed | $2,000 |
| 2025-03-17 | Listed for sale | $575,000 |
| 2025-01-21 | Listed for rent | $2,000 |
| 2025-01-21 | Listing removed | $2,000 |
| 2025-01-01 | Listed for rent | $2,000 |
| 2024-12-19 | Listing removed | $2,000 |
| 2024-09-30 | Listing removed | $579,000 |
| 2024-07-19 | Listed for rent | $2,000 |
| 2024-06-01 | Price change | $579,000 |
| 2024-05-27 | Price change | $589,000 |
| 2024-05-14 | Listed for sale | $591,000 |
| 2023-07-26 | Sold | $555,000 |
| 2023-06-25 | Contingent | $575,000 |
| 2023-06-21 | Price change | $575,000 |
| 2023-06-17 | Listed for sale | $589,000 |
| 2022-02-28 | Listing removed | -- |
| 2022-01-07 | Listed for sale | $625,000 |
| 2019-10-22 | Listing removed | $1,600 |
| 2018-05-17 | Sold | $35,000 |
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