3707 Mystic St #A & B, Panama City, FL, 32408
About This Home
ADORABLE DUPLEX WITH MULTIPLE POSSIBILITIES! * Live in one side, rent the other out. * Short term rent both units. * Short term rent one side, mid or long-term rent the other. THE CHOICE IS YOURS! SIDE A: MYSTIC SURF --3 BR, Sleeps 8 - King, King, King + Twin/Twin Trundle --1 Full, 1 Half Bath --Surf/wave murals in every bedroom --Full Kitchen with lots of counter space --Private Patio --Storage shed --Electric fireplace! SIDE B: MYSTIC SUN --2 BR, Sleeps 4 - King, King rooms --1 Full Bath --Full Kitchen --Private Patio --Storage shed --Wood-burning fireplace! LOCATION: **Across the street from public lagoon access. **One block to public boat ramp. **Walk to public beach access #11, just 7 blocks away. **Walk to Buster's Beer and Bait. **Drive to Schooner's and the St Andrews State Park. Don't miss your opportunity for 100% bonus depreciation this year. Ask your CPA how you can SAVE BIG MONEY ON TAXES! Come see this today! We look forward to receiving your offer! See the walkthrough video attached to this listing, and ask your agent for the Airbnb link as well. Thank you for your interest. We look forward to your offer!
Getting Around
Car-Dependent
Minimal Transit
BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 1981
Materials
- Roof: Metal
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Duplex
- Property subType: Duplex,Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Electric Water Heater
Bedroom
- Level: First
- Dimensions: 11.1 x 12.5
Bedroom
- Level: Second
- Dimensions: 14.5 x 12.5
Bedroom
- Level: Second
- Dimensions: 9.6 x 19.4
Bedroom
- Level: First
- Dimensions: 9.7 x 11.3
Bedroom
- Level: First
- Dimensions: 13.7 x 10.5
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Smart Thermostat
- Flooring: Luxury Vinyl Plank
- Fireplace features: Electric
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric,Fireplace(s)
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,088
- Total interior livable area: 2,088 sqft
Living Room
- Level: First
- Dimensions: 11.9 x 13.8
Living Room
- Level: First
- Dimensions: 9.7 x 11.8
Property
Details
- Parcel number: 32050000000
- Attached to another structure: Yes
- Zoning description: Resid Multi-Family
- Special condition: Listed As-Is
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio
- Exterior features: Patio
- Fencing: Partial
- Has view: Yes
- View description: Lagoon
- Has water view: Yes
- Water view: Lagoon
Lot
- Lot size: 5,662 sqft
- Features: Paved
- Lot size dimensions: 58 x 100
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
- Coastal Flooding
- Cold Wave
- Tornado
- 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 | $3,261 | $39,132 |
| Home Insurance * | $887 | $10,644 |
| Property Taxes | $317 | $3,804 |
| Electricity | $210 | $2,521 |
| Total | $4,675 | $56,100 |
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 |
|---|---|---|
| 2026-04-30 | Price change | $645,000 |
| 2026-04-24 | Price change | $646,000 |
| 2026-04-16 | Price change | $647,000 |
| 2026-04-09 | Price change | $648,000 |
| 2026-02-27 | Listed for sale | $649,000 |
| 2026-01-02 | Listing removed | $694,000 |
| 2025-11-07 | Price change | $694,000 |
| 2025-08-12 | Price change | $699,000 |
| 2025-04-24 | Price change | $714,995 |
| 2025-01-08 | Listed for sale | $725,000 |
| 2022-04-11 | Sold | $520,000 |
| 2022-03-03 | Contingent | $499,000 |
| 2022-02-25 | Listed for sale | $499,000 |
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