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4821 Conner Ln, Panama City, FL, 32404

4beds
2baths
2,109sqft
$335,000
$159price/sqft
$2,641/moest. monthly cost
$105,640/yrincome needed

About This Home

Welcome to 4821 Conner Lane, located in the highly sought-after Liberty community in Panama City! This beautifully maintained Ryder floor plan offers 4 bedrooms, 2 bathrooms, and a 2-car garage with a functional layout designed for everyday living and entertaining. Inside, you'll find an open-concept design featuring durable luxury vinyl plank flooring throughout the main living areas, neutral paint colors, and 8-foot ceilings that create a bright and inviting atmosphere. The spacious kitchen serves as the heart of the home and offers a large center island, pantry, ample cabinetry, and generous countertop space, making meal preparation and gatherings a breeze. The split-bedroom floor plan provides privacy for the primary suite, which features dual walk-in closets and an ensuite bathroom with a double vanity and spacious layout. Three additional bedrooms offer flexibility for guests, a home office, or growing households. Step outside and enjoy all that Liberty has to offer. One of Bay County's most popular master-planned communities, Liberty features beautifully maintained common areas, sidewalks throughout the neighborhood, multiple community pools, playgrounds, parks, and scenic walking paths. Residents also enjoy convenient access to shopping, dining, schools, Tyndall Air Force Base, and the growing amenities along the Highway 231 corridor.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

3/10
4/10
2/10
Rutherford High SchoolGrades 6-126.3 mi

Construction

Condition

  • Year built: 2022

Materials

  • Construction materials: Brick,Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 12.4 x 9.8

Bedroom

  • Level: First
  • Dimensions: 11.6 x 11.1

Bedroom

  • Level: First
  • Dimensions: 12.4 x 10.1

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 12.4 x 11.8

Features

  • Double Vanity,Main Level Primary,Walk-In Closet(s)

Heating & Cooling

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

Interior Area

  • Total structure area: 2,109
  • Total interior livable area: 2,109 sqft

Kitchen

  • Level: First
  • Dimensions: 12.4 x 15.3

Living Room

  • Level: First
  • Dimensions: 12.5 x 23.11

Master Bedroom

  • Level: First
  • Dimensions: 15.3 x 16.1

Property

Details

  • Parcel number: 05903100244

Features

  • Pool features: Community
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Fire Pit
  • Fencing: Fenced,Partial

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 $1,693$20,316
Home Insurance *$341$4,092
Property Taxes $395$4,740
Electricity $212$2,546
Total$2,641$31,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,548/yr
40% on housing$79,230/yr
45% on housing$70,426/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

$159This 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)

No zestimate history available

Price History

DateEventPrice
2026-06-04Listed for sale$335,000
2023-02-20Sold$319,900
2023-01-17Pending sale$319,900
2023-01-17Listed for sale$319,900
2023-01-17Pending sale$319,900
2023-01-16Listed for sale$319,900
2023-01-16Pending sale$319,900
2023-01-05Price change$319,900
2023-01-03Listed for sale$326,900
2022-12-27Pending sale$326,900
2022-12-27Price change$326,900
2022-12-22Price change$324,900
2022-12-08Price change$326,900
2022-11-17Price change$319,900
2022-11-01Price change$314,900
2022-10-04Price change$333,900
2022-09-13Listed for sale$331,900

For Sale by Agent

AgentHeather H Neubauer
BrokerageERA Neubauer Real Estate Inc

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