6089 E Highway 98, Panama City, FL, 32404
About This Home
Seller will contribute $5,000 towards Buyers closings costs! Welcome to Sunbay Townhomes, a rare chance to own a versatile property with prime visibility and beautiful water views in Panama City. Perfectly positioned along a high-traffic corridor, this property offers endless potential whether you're looking for a primary residence, investment opportunity, or a unique live/work setup. Enjoy stunning sunrises over the water and the convenience of quick access to Tyndall Air Force Base, shopping, dining, and downtown Panama City. Inside, the home features a functional layout ready for your personal touch. Large windows invite in natural light and showcase the peaceful surroundings, while the outdoor space offers plenty of room to relax, take in the coastal breeze while you walk on the beach. Whether you're an investor, business owner, or homeowner looking for a property with character and potential, this one checks all the boxes. Don't miss your chance to own a piece of the coast with high visibility and endless possibilities, book your private showing today.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Roof: Asphalt
- Construction materials: Stucco
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Bedroom
- Level: Second
- Dimensions: 13 x 10
Bedroom
- Level: Second
- Dimensions: 12 x 9
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 1,414
- Total interior livable area: 1,414 sqft
Master Bedroom
- Level: Second
- Dimensions: 13 x 12
Property
Details
- Parcel number: 26195100002
- Attached to another structure: Yes
- Zoning description: Resid Single Family
Features
- Levels: Two
- Stories: 2
- Pool features: Community
- Patio & porch: Balcony,Deck,Porch,Screened
- Exterior features: Deck,Porch
- On waterfront: Yes
- Waterfront features: Bayfront,Intracoastal Access,Shoreline - Sand,Seawall,Shoreline - Natural
Lot
- Lot size: 1,326 sqft
- Lot size dimensions: 17 x 78
Parking
- Total spaces: 1
- Parking features: Parking Lot
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Lightning
- Tornado
- Coastal Flooding
- Cold Wave
- Heat Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,365 | $16,380 |
| Home Insurance * | $275 | $3,300 |
| Property Taxes | $290 | $3,480 |
| Electricity | $197 | $2,366 |
| Total | $2,127 | $25,524 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-02 | Listed for sale | $325,000 |
| 2023-01-20 | Sold | $320,000 |
| 2022-12-27 | Pending sale | $349,000 |
| 2022-11-09 | Listed for sale | $349,000 |
| 2004-08-30 | Sold | $140,000 |
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