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803 E 10th Ct #A & B, Panama City, FL, 32401

2beds
2baths
1,448sqft
$179,900
$124price/sqft
$1,316/moest. monthly cost
$52,640/yrincome needed

About This Home

Turnkey Rental for Sale! This duplex offers you a variety of opportunity! Whether you are looking for your first investment, or looking for immediate equity, this Duplex has it! Priced well below replacement cost this is an opportunity that will not last. Call today! Annual Gross: $19,725

Getting Around

41
WalkingCar-Dependent
27
TransitSome Transit
61
BikeBikeable

Schools

2/10
Jinks Middle SchoolGrades 6-81.2 mi
4/10
Bay High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1940

Materials

  • Roof: Composition,Shingle

Type & Style

  • Home type: MultiFamily
  • Architectural style: Duplex
  • Property subType: Duplex,Multi Family

Interior

Appliances

  • Appliances included: Electric Oven,Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Flooring: Luxury Vinyl Plank

Heating & Cooling

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

Interior Area

  • Total structure area: 1,448
  • Total interior livable area: 1,448 sqft

Master Bedroom

  • Level: First
  • Dimensions: 36 x 10

Master Bedroom

  • Level: First
  • Dimensions: 36 x 10

Property

Details

  • Parcel number: 17026000000
  • Attached to another structure: Yes
  • Zoning description: Resid Multi-Family
  • Special condition: Listed As-Is

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 40 x 125

Parking

  • Parking features: Paved

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
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
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 $909$10,908
Home Insurance *$122$1,464
Property Taxes $88$1,056
Electricity $197$2,366
Total$1,316$15,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,120/yr
40% on housing$39,480/yr
45% on housing$35,093/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

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 32401$141
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32401$201
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
2026-04-04Price change$189,900
2025-11-19Price change$199,999
2025-10-29Price change$204,999
2025-09-17Listed for sale$210,000

For Sale by Agent

AgentJacob Hutchins
BrokerageCENTURY 21 Commander Realty

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