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615 Sea Breeze Dr, Panama City Beach, FL, 32413

5beds
4baths
2,075sqft
$625,000
$301price/sqft
$4,407/moest. monthly cost
$176,280/yrincome needed

About This Home

BRAND NEW CONSTRUCTION. Live the Beach Life in Inlet Beach Heights! This brand-new 2-story coastal farmhouse is under construction and offers the rare opportunity to pick your finishes and make it truly yours. Perfectly situated within walking distance to the sugar-white sands of Panama City Beach, this home embodies the ultimate beach lifestyle. Features You'll Love: Spacious master suite on the first floor with a luxurious walk-in shower, Open concept living with recessed lighting throughout, Amazing chef's kitchen featuring a large island, stainless steel appliances, and a pot filler, Luxury vinyl plank flooring and stylish finishes throughout, 8 foot doors, tiled bathrooms, Covered porches perfect for relaxing after a beach day, Single-car garage ideal for a golf cart, Grey brick paver driveway, Tankless water heater for endless hot water, Media room / optional 5th bedroom for added flexibility. Location, Location, Location Nestled in the desirable Inlet Beach Heights community, a short walk to Lake Powell, the park, public boat ramp - great for jet skis, paddle boarding, and small boating, Inlet Beach & 30A - world-class dining, shopping, and coastal charm, Pier Park, Topgolf, and Dolly Parton's Dinner Theatre - endless entertainment options! This is an incredible investment Opportunity. This property allows short-term rentals, making it a prime investment and income-producing opportunity. Whether you're seeking a full-time residence, vacation retreat, or money-making rental, this home checks all the boxes. Don't miss the chance to live steps from the Gulf and enjoy everything Panama City Beach has to offer!

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

6/10
7/10
Surfside Middle SchoolGrades 6-88.0 mi
4/10
J.R. Arnold High SchoolGrades 9-1210.0 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Tankless Water Heater

Bedroom

  • Level: Second
  • Dimensions: 11.6 x 16

Bedroom

  • Level: Second
  • Dimensions: 10.11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Dimensions: 12.6 x 13

Family Room

  • Level: First
  • Dimensions: 18 x 19

Features

  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,075
  • Total interior livable area: 2,075 sqft

Kitchen

  • Level: First
  • Dimensions: 12.6 x 13

Master Bathroom

  • Level: First
  • Dimensions: 9 x 5.8

Master Bedroom

  • Level: First
  • Dimensions: 12.5 x 16.6

Property

Details

  • Parcel number: 36360020000
  • Special condition: Listed As-Is

Features

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

Lot

  • Lot size: 5,227 sqft
  • Features: Paved
  • Lot size dimensions: 100 x 106

Parking

  • Total spaces: 1
  • Parking features: Garage
  • 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
    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 $3,160$37,920
Home Insurance *$732$8,784
Property Taxes $307$3,684
Electricity $208$2,505
Total$4,407$52,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,097/yr
40% on housing$132,210/yr
45% on housing$117,520/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

$301This listing

vs Other Active Listings

Avg $/sqft

ZIP 32413$287
Bay County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 32413$311
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
2026-04-24Price change$625,000
2026-03-21Listed for sale$649,500
2026-02-03Listing removed$699,000
2025-09-16Listed for sale$699,000

New Construction

AgentCyndy S Porter
BrokerageSimpliHOM

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