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3025 Sarasota Ave, Panama City, FL, 32405

3beds
2baths
1,402sqft
$318,500
$227price/sqft
$2,215/moest. monthly cost
$88,600/yrincome needed

About This Home

Welcome to 3025 Sarasota Avenue, a beautifully maintained 2020-built residence offering the perfect combination of modern finishes, everyday functionality, and a highly convenient Panama City location. Featuring 3 bedrooms, 2 bathrooms, and a desirable open-concept design, this home is ideal for first-time homebuyers, downsizers, or investors seeking a low-maintenance property in the heart of Bay County. Inside, you'll find waterproof vinyl flooring throughout, granite countertops, and a spacious living area highlighted by a striking tray ceiling, custom shiplap accent wall, electric fireplace, and built-in entertainment center. The well-appointed kitchen offers ample workspace and storage, while the primary suite features a double vanity and private bath. The exterior showcases attractive stone and vinyl accents that create exceptional curb appeal. Enjoy both front and rear covered porches, gutters, a fully fenced backyard with swing set, and an extended concrete patio perfect for grilling, entertaining, or relaxing outdoors. A stone paver pathway provides convenient access to the backyard, while the two-car garage adds additional storage and functionality. Located in Flood Zone X with no HOA, this property offers added peace of mind and flexibility. Situated just minutes from everyday conveniences, you'll enjoy quick access to Publix, Winn-Dixie, Walmart, and numerous dining and shopping destinations. The home is also conveniently located near schools, parks, and major commuter routes, making daily errands and travel effortless. Combining modern construction, thoughtful upgrades, and an exceptionally convenient central location, 3025 Sarasota Avenue presents an outstanding opportunity to own a move-in-ready home in one of Panama City's most accessible areas.

Getting Around

26
WalkingCar-Dependent
0
TransitNo Nearby Transit
33
BikeSomewhat Bikeable

Schools

3/10
5/10
Mowat Middle SchoolGrades 6-82.4 mi
6/10

Construction

Condition

  • Year built: 2020

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 11.9 x 10.3

Bedroom

  • Level: First
  • Dimensions: 12.1 x 12.4

Bedrooms & Bathrooms

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

Features

  • Double Vanity,Main Level Primary,Separate Shower,Walk-In Closet(s),Entrance Foyer
  • Fireplace features: Electric
  • Fireplace: Yes

Foyer

  • Level: First
  • Dimensions: 6.6 x 8.8

Garage

  • Level: First
  • Dimensions: 19.8 x 23.6

Heating & Cooling

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

Interior Area

  • Total structure area: 1,402
  • Total interior livable area: 1,402 sqft

Kitchen

  • Level: First
  • Dimensions: 10.5 x 11.11

Laundry

  • Level: First
  • Dimensions: 7.9 x 5.5

Living Room

  • Level: First
  • Dimensions: 15.9 x 19.6

Master Bathroom

  • Level: First
  • Dimensions: 11.4 x 10.5

Master Bedroom

  • Level: First
  • Dimensions: 14.6 x 11.1

Other

  • Level: First
  • Dimensions: 8.1 x 5

Property

Details

  • Parcel number: 12031010000
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Patio & porch: Covered,Patio,Porch
  • Fencing: Full,Fenced,Privacy

Lot

  • Lot size: 6,969 sqft
  • Features: Paved
  • Lot size dimensions: 50.0 ft x 140.0 ft

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
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 $1,610$19,320
Home Insurance *$155$1,860
Property Taxes $253$3,036
Electricity $197$2,366
Total$2,215$26,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,942/yr
40% on housing$66,450/yr
45% on housing$59,066/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

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 32405$207
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32405$196
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
2026-08-10Price change$310,000
2026-08-04Price change$316,500
2026-07-14Price change$318,500
2026-07-02Listed for sale$324,999
2020-02-28Sold$224,900

For Sale by Agent

AgentKaci A Hawes
BrokerageERA Neubauer Real Estate, Inc

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