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5171 Harvey St, Panama City, FL, 32404

4beds
2baths
1,805sqft
$314,990
$175price/sqft
$2,263/moest. monthly cost
$90,520/yrincome needed

About This Home

Introducing the Grayton, an expansive split floorplan that features 4 bedrooms and 2 baths, offering ample space for the entire family. As you enter through the front door, you'll be greeted by an open living area, encompassing the great room and dining room. This open concept design creates a seamless flow and a sense of togetherness. The kitchen is a true standout, boasting an abundance of counter space, providing a spacious and practical workspace for all your culinary endeavors. The Grayton offers a split floorplan with the primary suite on one side of the home and the three secondary bedrooms on the other. Finishes include quartz countertops in the kitchen and baths, tile flooring in the wet/common areas and carpet in the bedrooms. Harvey Heights is conveniently located in the heart of Callaway and is close to Tyndall AFB and lots of shopping and dining options.

Getting Around

57
WalkingSomewhat Walkable
24
TransitMinimal Transit
42
BikeSomewhat Bikeable

Schools

4/10
Parker Elementary SchoolGrades PK-51.1 mi
2/10
Rutherford High SchoolGrades 6-121.5 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Vinyl Siding,Wood Frame

Other

  • Builder name: Holiday Builders

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 12 x 12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 14 x 13

Great Room

  • Level: First
  • Dimensions: 15 x 14

Heating & Cooling

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

Interior Area

  • Total structure area: 1,805
  • Total interior livable area: 1,805 sqft

Master Bedroom

  • Level: First
  • Dimensions: 16 x 12

Property

Details

  • Parcel number: 24918250028

Features

  • Patio & porch: Covered,Porch

Lot

  • Lot size: 7,405 sqft
  • Features: Paved
  • Lot size dimensions: 50 x 150

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat 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 $1,592$19,104
Home Insurance *$320$3,840
Property Taxes $154$1,848
Electricity $197$2,366
Total$2,263$27,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,588/yr
40% on housing$67,890/yr
45% on housing$60,346/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

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 32404$160
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)

Price History

DateEventPrice
2026-01-15Price change$299,990
2026-01-07Price change$306,990
2025-10-15Listed for sale$313,990

New Construction Spec

AgentTrish Lohela
BrokerageHoliday Builders of the Gulf Coast

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