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3928 Sandpine Way, Panama City, FL, 32404

5beds
2baths
2,251sqft
$450,000
$200price/sqft
$3,358/moest. monthly cost
$134,320/yrincome needed

About This Home

Step into this spacious and beautifully updated 5-bedroom, 2-bathroom home offering 2,251 square feet of thoughtfully designed living space on a fully fenced quarter-acre lot. Situated at the end of a quiet cul-de-sac, this property provides a rare combination of privacy, comfort, and convenience. Inside, you'll find a bright and open layout with soaring 10-foot ceilings and a seamless flow between the kitchen, dining, and living areas—perfect for both everyday living and entertaining. The kitchen features sleek stainless steel appliances, modern cabinetry, and elegant countertops, blending functionality with style. With five generously sized bedrooms, there's plenty of room for family, guests, or creating your ideal home office or flex space. The fully fenced backyard offers a secure, spacious area ideal for kids, pets, or gardening, with a sidewalk providing easy access around the home. Located in a peaceful and desirable neighborhood of College Station, this home is move-in ready with quality finishes and a practical layout that fits a variety of lifestyles. Don't miss your chance to own this exceptional property that combines space, style, and comfort in a quiet, welcoming setting.

Getting Around

4
WalkingCar-Dependent
0
TransitNo Nearby Transit
28
BikeSomewhat Bikeable

Schools

3/10
4/10
4/10
Bay High SchoolGrades 9-125.4 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Shingle
  • Construction materials: Brick,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 10.4 x 12.6

Bedroom

  • Level: First
  • Dimensions: 11 x 10

Bedroom

  • Level: First
  • Dimensions: 11 x 9.8

Bedroom

  • Level: First
  • Dimensions: 11 x 10.9

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 11.6 x 12.6

Features

  • Window features: Double Pane Windows

Heating & Cooling

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

Interior Area

  • Total structure area: 2,251
  • Total interior livable area: 2,251 sqft

Kitchen

  • Level: First
  • Dimensions: 10.9 x 20.1

Living Room

  • Level: First
  • Dimensions: 14.3 x 20.1

Master Bathroom

  • Level: First
  • Dimensions: 12.1 x 13.7

Master Bedroom

  • Level: First
  • Dimensions: 15 x 15.3

Other

  • Level: First
  • Dimensions: 7.9 x 8.4

Property

Details

  • Parcel number: 05911005018
  • Zoning description: County, Resid Single Family

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Porch
  • Fencing: Full,Fenced,Privacy

Lot

  • Lot size: 0.25 Acres
  • Features: Cul-De-Sac,Paved
  • Lot size dimensions: 50 x 125 x 133 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 $2,275$27,300
Home Insurance *$458$5,496
Property Taxes $399$4,788
Electricity $226$2,718
Total$3,358$40,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,131/yr
40% on housing$100,740/yr
45% on housing$89,546/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$159
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
2026-02-27Listed for sale$450,000
2025-10-09Listing removed$450,000
2025-07-07Price change$450,000
2025-06-13Price change$455,000
2025-05-18Listed for sale$460,000
2022-04-01Sold$385,000
2022-03-22Pending sale$385,000

For Sale by Agent

AgentRamil Zartdinov
BrokerageLocal Insight Realty

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