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6570 Atkins Rd, Panama City, FL, 32404

3beds
2baths
1,403sqft
$280,000
$200price/sqft
$2,034/moest. monthly cost
$81,360/yrincome needed

About This Home

'OPEN HOUSE SATURDAY, JULY 25TH FROM 1 TO 3PM' Welcome to Liberty -- where comfort, convenience, and community come together! This beautiful corner-lot home is located in the highly desirable Liberty community, one of Bay County's premier neighborhoods known for its resort-style amenities and welcoming small-town atmosphere. Designed with modern living in mind, this home is move-in ready and comes with an existing 10-year structural warranty, giving you lasting confidence and peace of mind. Inside, you'll find an open-concept floor plan filled with natural light. The living room offers plenty of space for relaxing or entertaining, seamlessly flowing into the kitchen and dining areas. The kitchen features modern appliances, ample cabinetry and a peninsula style island. The primary suite includes a private ensuite bath and spacious walk-in closet, while additional bedrooms offer comfort and flexibility for guests, kids, or a home office. Step outside and experience the vibrant lifestyle that Liberty is known for! This thoughtfully planned community offers something for everyone, including: Two sparkling resort-style pools A massive clubhouse with event space and a children's splash pad The largest pool in Bay County for those who love to swim or lounge Pickleball courts, a playground, and wide, oversized sidewalks perfect for biking, running, or golf cart cruising Liberty isn't just a neighborhood -- it's a community designed for connection. Neighbors wave as they walk their dogs, kids play at the splash pad, and families gather for community events. Prime Location: This home is ideally situated within Panama City proper, meaning first-time homebuyers may qualify for SHIP or ReHouse Bay grants -- valuable programs that help make homeownership more affordable. You'll also love the short commute to Tyndall Air Force Base, NSA Panama City, and Northwest Florida Beaches International Airport (ECP). Liberty offers easy access to top-rated schools, shopping, dining, and the sugar-white beaches that make the Emerald Coast famous. Whether you're a first-time buyer, relocating for the military, or simply looking for a family-friendly community with incredible amenities, 6570 Atkins Road offers the perfect blend of lifestyle, location, and lasting value. Schedule your showing today and discover why so many families are proud to call Liberty home!

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

3/10
4/10
2/10
Rutherford High SchoolGrades 6-126.6 mi

Construction

Condition

  • Year built: 2024

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 10.4 x 11

Bedroom

  • Level: First
  • Dimensions: 10.4 x 11

Bedroom

  • Level: First
  • Dimensions: 12 x 15

Bedrooms & Bathrooms

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

Features

  • Main Level Primary

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,403
  • Total interior livable area: 1,403 sqft

Kitchen

  • Level: First
  • Dimensions: 18.3 x 11.3

Living Room

  • Level: First
  • Dimensions: 15.1 x 16.4

Property

Accessibility

  • Accessibility features: Accessible Central Living Area,Accessible Approach with Ramp

Details

  • Parcel number: 05903200212
  • Zoning description: Resid Single Family

Features

  • Levels: One
  • Stories: 1
  • Pool features: In Ground,Community
  • Patio & porch: Covered,Patio

Lot

  • Lot size: 6,098 sqft
  • Features: Paved
  • Lot size dimensions: 50 x 125

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Wildfire
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 $1,415$16,980
Home Insurance *$285$3,420
Property Taxes $137$1,644
Electricity $197$2,366
Total$2,034$24,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,737/yr
40% on housing$61,020/yr
45% on housing$54,240/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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 32404$160
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32404$179
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
2026-07-20Price change$280,000
2026-06-19Listing removed$2,000
2026-05-26Listed for sale$284,000
2026-04-23Pending sale$284,000
2025-11-06Listed for sale$284,000
2025-10-30Listed for rent$2,000
2025-10-30Listing removed$2,000
2025-10-29Price change$2,000
2025-09-23Price change$2,200
2025-07-30Listed for rent$2,300
2024-01-25Sold$276,900
2023-12-09Pending sale$276,900
2023-12-08Price change$278,400
2023-12-06Pending sale$274,900
2023-11-21Listed for sale$274,900

For Sale by Agent

AgentVianah Seamon
BrokerageAnchor Realty Florida

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