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3864 Red Deer Cir, Panama City, FL, 32404

4beds
3baths
1,991sqft
$410,000
$206price/sqft
$2,891/moest. monthly cost
$115,640/yrincome needed

About This Home

Welcome to Game Farm - A Peaceful Place to Call Home. Take advantage of exclusive incentives: enjoy a special 5.99% interest rate plus $3,000 toward closing costs with our preferred lender. Created by Ben Wortman Construction, a veteran and proud Bay County local, Game Farm offers the perfect blend of privacy and convenience in the heart of Panama City. From the moment you wind through the landscaped entrance and cross the scenic bridge, you'll feel the inviting charm of this thoughtfully designed community. Future neighborhood features will include: -Generously sized homesites -Elegant brick homes -Preserved natural areas and ponds -Planned green spaces and walking path This home showcases exceptional craftsmanship and upgrades throughout, including: -Energy-efficient spray foam insulation -Impressive 10-foot ceilings with recessed lighting -Durable all-brick exterior -Fully sodded yard with sprinkler system -Tray ceilings in the living room, dining room, and primary suite -A spa-inspired primary bath with double vanities Game Farm is more than a neighborhood--it's a community designed for comfort, quality, and timeless appeal. ⚠️ Please note: This is an active construction site. Use caution when visiting.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

4/10
4/10
4/10
Bay High SchoolGrades 9-124.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater

Bedroom

  • Level: Second
  • Dimensions: 11.5 x 14.5

Bedroom

  • Level: Second
  • Dimensions: 10.5 x 15

Bedroom

  • Level: Second
  • Dimensions: 14.5 x 13

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Dimensions: 11 x 14

Features

  • Interior Steps

Garage

  • Dimensions: 19 x 20

Great Room

  • Level: First
  • Dimensions: 14 x 16

Heating & Cooling

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

Interior Area

  • Total structure area: 1,991
  • Total interior livable area: 1,991 sqft

Kitchen

  • Dimensions: 14 x 10

Laundry

  • Level: First
  • Dimensions: 6 x 8

Master Bedroom

  • Level: First
  • Dimensions: 13 x 13

Other

  • Features: Balcony
  • Level: Second
  • Dimensions: 5 x 15

Property

Details

  • Parcel number: 12813150034

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Balcony,Covered,Patio,Porch

Lot

  • Lot size: 8,276 sqft
  • Features: Paved
  • Lot size dimensions: 48 x 141

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener
  • 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 $2,073$24,876
Home Insurance *$417$5,004
Property Taxes $201$2,412
Electricity $200$2,404
Total$2,891$34,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,120/yr
40% on housing$86,730/yr
45% on housing$77,093/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 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)

No zestimate history available

Price History

DateEventPrice
2025-06-13Listed for sale$410,000

New Construction

AgentCharlie W Commander
BrokerageCENTURY 21 Commander Realty

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