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5295 Brown St, Graceville, FL, 32440

2beds
1baths
984sqft
$69,900
$71price/sqft
$701/moest. monthly cost
$28,040/yrincome needed

About This Home

Investor Special with Endless Potential in Graceville! Don't miss this 2-bedroom, 1-bath fixer-upper located in the heart of Graceville, FL. Situated on four city lots, this corner property offers three road frontages, providing excellent access and outstanding future development potential. Whether you're looking to renovate and flip, add additional structures, or create your own homestead, this property offers flexibility and opportunity. Conveniently located near local restaurants, grocery stores, and everyday amenities — plus just a little over an hour from Panama City Beach. Bring your tools, your vision, and your investor mindset — this is a chance to unlock serious potential. Contact your agent today to schedule a showing.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

3/10
Graceville High SchoolGrades PK-121.5 mi

Construction

Condition

  • Year built: 1921

Type & Style

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

Interior

Bedroom

  • Level: First
  • Dimensions: 10 x 12

Bedroom

  • Level: First
  • Dimensions: 10 x 12

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Interior Area

  • Total structure area: 984
  • Total interior livable area: 984 sqft

Property

Details

  • Parcel number: 036N13023802300010
  • Special condition: Listed As-Is

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: 84 x 15 x 122 x 99 x 120

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

  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Hurricane
Cold Wave
Drought
Heat Wave
Strong Wind

FEMA Declared Disasters in Jackson 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 $353$4,236
Home Insurance *$56$672
Property Taxes $95$1,140
Electricity $197$2,366
Total$701$8,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,034/yr
40% on housing$21,030/yr
45% on housing$18,693/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: 14.0%
14.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -5.5%
-5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$71This listing

vs Other Active Listings

Avg $/sqft

ZIP 32440$110
Jackson County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 32440
Jackson County$110

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)

No zestimate history available

Price History

DateEventPrice
2026-01-26Listed for sale$85,000
2025-12-04Listing removed$52,500
2025-11-17Price change$52,500
2025-10-17Price change$59,000
2025-09-22Price change$69,000
2025-08-07Price change$79,900
2025-06-03Listed for sale$89,900
2024-01-21Listing removed--
2023-09-26Listing removed$89,900
2023-09-26Listed for sale$89,900
2023-05-03Listing removed--
2022-11-03Listed for sale$150,000
2017-01-09Listing removed$75,000
2016-07-11Listed for sale$75,000

For Sale by Agent

AgentKelly L Smith
BrokerageKeller Williams Realty Southeast Alabama

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