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138 Laird Cir, Panama City Beach, FL, 32408

6beds
3baths
4,458sqft
$910,000
$204price/sqft
$6,310/moest. monthly cost
$252,400/yrincome needed

About This Home

You've found it! Privately gated 1.19 acres, 6 bedrooms, 4,458sf, and no HOA on the east end of Panama City Beach. Located not far from the US Coast Guard Station, shopping and restaurants. This home is an easy golf cart ride to the white sandy beaches and emerald coast waters known as the Gulf of America. Enjoy the grand circular drive with parking for approximately 20 cars; extra-large front porch; single car detached garage; 75' heated lap pool; and an additional oversized 3 car garage/workshop/workout/game room. The mature trees and landscaping create a peaceful slice of paradise that you will treasure. Terrific as a professional retreat, family vacation home or residence. Recent property updates can be found in the MLS ''Documents'' tab. The interior of this home includes 6 bedrooms, office space, 2.5 bathrooms with a bonus comfort room near the mud room that includes a shower and sink. The kitchen and living room spaces are open and work naturally in combination with the back patio/pool deck. Perfect for entertaining a group of friends or a happy family. This home is equipped with a Generac whole home generator. Reach out to your favorite Realtor to set up a showing today!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

7/10
Breakfast Point AcademyGrades PK-82.8 mi
4/10
J.R. Arnold High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1988

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Gas Water Heater,Plumbed For Ice Maker

Bedroom

  • Level: First
  • Dimensions: 13 x 10

Bedroom

  • Level: First
  • Dimensions: 12 x 13

Bedroom

  • Level: Second
  • Dimensions: 10.5 x 13

Bedroom

  • Level: Second
  • Dimensions: 14.5 x 11

Bedroom

  • Level: Second
  • Dimensions: 14.5 x 11

Bedroom

  • Level: Second
  • Dimensions: 20 x 14

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Dimensions: 18 x 14

Family Room

  • Level: First
  • Dimensions: 16 x 14

Features

  • Double Vanity,Sitting Area in Primary,Tub Shower,Walk-In Closet(s),Mud Room,Workshop
  • Window features: Double Pane Windows
  • Fireplace: Yes

Garage

  • Level: First
  • Dimensions: 24 x 14

Half Bath

  • Level: First
  • Dimensions: 5 x 4.5

Heating & Cooling

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

Interior Area

  • Total structure area: 4,458
  • Total interior livable area: 4,458 sqft

Kitchen

  • Level: First
  • Dimensions: 20 x 12

Laundry

  • Level: First
  • Dimensions: 9 x 7

Living Room

  • Level: First
  • Dimensions: 24 x 13.5

Mud Room

  • Level: First
  • Dimensions: 16.5 x 5

Other

  • Level: Second
  • Dimensions: 9.5 x 7.5

Other

  • Level: Second
  • Dimensions: 8 x 8

Patio

  • Level: First
  • Dimensions: 63 x 22

Porch

  • Level: First
  • Dimensions: 13 x 4.5

Porch

  • Level: First
  • Dimensions: 40 x 5

Workshop

  • Level: First
  • Dimensions: 30 x 44

Property

Details

  • Parcel number: 27921563000
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Private pool: Yes
  • Pool features: Fenced,Gunite,Electric Heat,In Ground,Private
  • Patio & porch: Covered,Patio
  • Exterior features: Outdoor Shower
  • Fencing: Full,Fenced

Lot

  • Lot size: 1.19 Acres
  • Features: Paved
  • Lot size dimensions: 155 x 335

Parking

  • Total spaces: 4
  • Parking features: Circular Driveway,Electric Gate,Garage,Garage Door Opener,Gated,Paved
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes

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
  • Coastal Flooding
    Coastal FloodingRelatively 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
Coastal Flooding
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 $4,601$55,212
Home Insurance *$1,252$15,024
Property Taxes $9$108
Electricity $448$5,383
Total$6,310$75,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$216,342/yr
40% on housing$189,300/yr
45% on housing$168,266/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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 32408$234
Bay County$242

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
2026-07-21Price change$910,000
2026-06-12Price change$915,000
2026-05-15Listed for sale$925,000
2024-07-22Sold$894,000
2024-06-14Contingent$914,999
2024-06-14Pending sale$914,999
2024-05-30Price change$914,999
2024-05-14Price change$969,000
2024-04-29Price change$999,000
2024-04-14Price change$999,999
2024-03-28Price change$1,090,000
2024-02-23Price change$1,087,000
2024-01-09Listed for sale$1,100,000
2024-01-08Listing removed--
2023-11-17Price change$1,100,000
2023-10-10Price change$1,125,000
2023-09-17Price change$1,260,000
2023-07-18Price change$1,265,000
2023-07-05Price change$1,294,900
2023-06-17Listed for sale$1,295,000
2022-07-12Sold$800,000
2022-06-16Pending sale$825,000
2022-06-05Listed for sale$825,000
2022-01-25Listing removed--
2021-10-22Price change$879,900
2021-09-11Listed for sale$899,900
2013-08-22Sold$455,000

For Sale by Agent

AgentDaniel Hagen
BrokerageLPT Realty LLC

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