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6532 Waverly St, Youngstown, FL, 32466

2beds
2baths
2,096sqft
$339,000
$162price/sqft
$2,301/moest. monthly cost
$92,040/yrincome needed

About This Home

Have you ever dreamed of having your own horses, a flourishing garden, and a peaceful retreat away from the hustle and bustle? This inviting country-style property makes that dream possible while enjoying all that Panama City has to offer families. Set on 1.88 acres, the home offers an exceptional blend of privacy, character, space, and opportunities for outdoor enjoyment while just 25 minutes to Panama City Beach for the best of both worlds. A fenced portion of the yard provides a secure area for children or pets while preserving the freedom and beauty of the larger parcel. With ample room for horses, gardening, recreation, and peaceful country living, this property offers the space to create the lifestyle you have always imagined. Inside, the spacious great room serves as the heart of the home, featuring dramatic vaulted cedar ceilings and a warm cedar accent wall that adds natural beauty and timeless charm. Skylights throughout the home fill the interior with soft natural light, while the generously sized bedrooms provide comfort and flexibility. The impressive 17x15 primary suite includes a private en suite bath and an additional attached room, ideal for a sitting room, home office, dressing room, nursery, exercise space, or private retreat. An attic fan provides added ventilation and may help improve the home's overall comfort and energy efficiency. Step outside to enjoy the pool, screened porch, and expansive grounds designed for both relaxation and productivity. Garden enthusiasts will appreciate the two existing raised beds, abundant space for additional gardens, and a remarkable blueberry patch known to produce approximately 100 pounds of blueberries each year. The property also features two pear trees, one pecan tree, and two Japanese persimmon trees. Storage and workspace are plentiful. A 23x10 workroom or hobby space is conveniently located near the living room, while the wired 26x12 carpentry workshop, with tools, offers plenty of room for serious weekend projects or everyday tasks. The property also includes a 12x7 storage shed, a 6x8 garden shed, and a carport. The home is equipped with a dedicated auxiliary power circuit box designed for use with a dual-fuel Westinghouse generator, offering added convenience, comfort, and peace of mind during power outages. Real storm shutters provide additional protection, while the 350-foot well offers fresh, pure water. The septic system was pumped in 2023. The Westinghouse generator, workshop tools, and one-year-old Cub Cadet 50-inch riding lawn mower may convey with an acceptable offer. From quiet mornings on the screened porch and afternoons beside the pool to harvesting fresh fruit, tending the garden, completing projects in the workshop, or caring for your horses. This one-of-a-kind property offers a gracious country lifestyle while remaining conveniently close to grocery stores, everyday amenities, and, of course, the white sands and emerald waters of Panama City Beach.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

3/10
4/10
6/10

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Slab
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

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

Bedroom

  • Level: First
  • Dimensions: 17 x 12

Bedrooms & Bathrooms

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

Features

  • Main Level Primary,Shower Only,Workshop
  • Window features: Double Pane Windows

Great Room

  • Level: First
  • Dimensions: 33 x 25

Heating & Cooling

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

Interior Area

  • Total structure area: 2,096
  • Total interior livable area: 2,096 sqft

Kitchen

  • Level: First
  • Dimensions: 15 x 12

Master Bedroom

  • Level: First
  • Dimensions: 17 x 15

Other

  • Level: First
  • Dimensions: 14 x 7

Workshop

  • Level: First
  • Dimensions: 28 x 9

Property

Details

  • Parcel number: 05450592000

Features

  • Stories: 1
  • Private pool: Yes
  • Pool features: Above Ground,Private
  • Patio & porch: Covered,Patio,Porch,Screened
  • Exterior features: Porch
  • Fencing: Partial

Lot

  • Lot size: 1.88 Acres
  • Features: Paved
  • Lot size dimensions: 250 x 320

Parking

  • Total 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 $1,714$20,568
Home Insurance *$205$2,460
Property Taxes $172$2,064
Electricity $210$2,531
Total$2,301$27,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,891/yr
40% on housing$69,030/yr
45% on housing$61,360/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

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 32466$201
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32466$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
2026-07-13Listed for sale$339,000
2002-09-10Sold$106,000

For Sale by Agent

AgentHeather Fox
BrokerageBeachy Beach Real Estate

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