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3215 E 2nd Plz, Panama City, FL, 32401

3beds
2baths
1,287sqft
$265,000
$206price/sqft
$2,065/moest. monthly cost
$82,600/yrincome needed

About This Home

This adorable new construction is close to restaurants, shopping and public transportation. It has open floor plan with granite counter tops, updated light fixtures, Tile floors, spacious living are, large bedrooms, double vanity, and has a fenced back yard. It only minutes from Tyndall AFB

Getting Around

58
WalkingSomewhat Walkable
21
TransitMinimal Transit
42
BikeSomewhat Bikeable

Schools

2/10
Rutherford High SchoolGrades 6-121.0 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type,Vinyl Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: ENERGY STAR Qualified Appliances,Electric Oven,Electric Range,Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Window features: Double Pane Windows

Heating & Cooling

  • Heating features: Central,Electric,ENERGY STAR Qualified Equipment
  • Cooling features: Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 1,287
  • Total interior livable area: 1,287 sqft

Property

Details

  • Parcel number: 23785010000
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Patio & porch: Patio
  • Exterior features: Patio
  • Fencing: Fenced,Privacy

Lot

  • Lot size: 5,250 sqft
  • Features: Paved
  • Lot size dimensions: 75 x 70

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
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Tornado
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 $1,339$16,068
Home Insurance *$180$2,160
Property Taxes $349$4,188
Electricity $197$2,366
Total$2,065$24,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,800/yr
40% on housing$61,950/yr
45% on housing$55,066/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

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 32401$140
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32401$201
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
2026-04-11Listed for sale$270,000
2024-10-03Listing removed$40,000
2024-07-03Price change$40,000
2024-02-28Listed for sale$42,000

New Construction

AgentJennifer Bowman
BrokerageBeachy Beach Real Estate

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