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4774 Firefly Ln, Panama City, FL, 32404

4beds
2baths
2,129sqft
$369,000
$173price/sqft
$2,846/moest. monthly cost
$113,840/yrincome needed

About This Home

Beautiful 4 Bedroom Home in Sought-After Titus Park! Welcome to your dream home in Titus Park— one of Panama City's fastest-growing and most desirable communities! Built in 2021, this spacious 4 bedroom, 2 bathroom home offers nearly 2,100 sq. ft. of modern living space with an open-concept design perfect for both entertaining and everyday life. Prime Location: Just off Highway 231, you'll enjoy easy access to Tyndall Air Force Base (15 miles) and the sugar-white beaches of Panama City Beach (17 miles) Interior Highlights: Bright, open floor plan with natural light Modern kitchen with plenty of counter space Large primary suite with walk-in closet and private bath Three additional bedrooms which is ideal for family, guests, or a home office Additional Features: 2-Car Garage Covered Back Porch — perfect for morning coffee or evening relaxation Fully Fenced Backyard — great for pets and entertaining Access to a brand-new neighborhood pool & amenities New Publix shopping center right across the street, plus Starbucks and more just minutes away Value Flooring replacement has already been started. It will need some finishing to include some baseboards and trim as well as carpeting replacement in some bedrooms. This has been reflected latest price adjustment. Energy Savings: Solar panels already installed! Current owners enjoy power bills typically under $30/month (solar lease payment approx. $177/month, transferable to buyer upon qualification). Don't miss your chance to own this gem. Schedule your private showing today!

Getting Around

5
WalkingCar-Dependent
0
TransitNo Nearby Transit
34
BikeSomewhat Bikeable

Schools

3/10
4/10
6/10

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Electric Range,Ice Maker

Bedroom

  • Level: First
  • Dimensions: 17.4 x 15.8

Bedroom

  • Level: First
  • Dimensions: 12.4 x 11

Bedroom

  • Level: First
  • Dimensions: 13 x 10.1

Bedroom

  • Level: First
  • Dimensions: 13 x 10

Bedrooms & Bathrooms

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

Features

  • Smart Home
  • Flooring: Luxury Vinyl Plank

Great Room

  • Level: First
  • Dimensions: 24.1 x 12.2

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,129
  • Total interior livable area: 2,129 sqft

Kitchen

  • Level: First
  • Dimensions: 13.4 x 13

Property

Details

  • Parcel number: 05830030158
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Pool features: Community
  • Patio & porch: Deck
  • Exterior features: Deck,Rain Gutters
  • Fencing: Fenced

Lot

  • Lot size: 5,662 sqft
  • Features: Paved
  • Lot size dimensions: 50 x 110

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Inland Flooding
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 $1,865$22,380
Home Insurance *$376$4,512
Property Taxes $391$4,692
Electricity $214$2,571
Total$2,846$34,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,577/yr
40% on housing$85,380/yr
45% on housing$75,893/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

$173This 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
2026-04-02Price change$369,000
2026-02-20Price change$370,600
2026-02-08Price change$371,000
2026-02-05Price change$355,000
2026-01-12Price change$325,000
2025-10-22Price change$345,000
2025-09-23Price change$355,000
2025-09-11Listed for sale$365,000
2023-03-31Sold$317,000
2023-02-19Contingent$315,000
2023-01-26Price change$315,000
2022-12-08Price change$320,000
2022-11-15Price change$325,000
2022-10-19Listed for sale$335,000
2021-07-23Sold$264,375

For Sale by Agent

AgentChris M Shelton
BrokerageBeachy Beach Real Estate

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