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13777 Windsor Ave, Youngstown, FL, 32466

1beds
1baths
670sqft
$164,900
$246price/sqft
$1,210/moest. monthly cost
$48,400/yrincome needed

About This Home

Completion approximately Fall 2026. If you like quiet country living, sturdy construction, and low cost living, you need to check out this brand new home to be completed in 2026. Modern open concept living area with unique bedroom plan, new appliances, and stylish finished concrete floors, formica countertops, concrete driveway, and a covered front porch. With sturdy concrete block construction, metal roof, high efficiency HVAC System, private well, and new septic system you'll enjoy low maintenance and low utilities. No HOA. Located in a quiet area north of Panama City convenient to Hwy 231 and Hwy 20. Only 30 minutes to Panama City, 40 minutes to Panama City Beach. Minutes away from Youngstown Recreational Park & Pitt & Sylvan Springs Park. See Floorplan in photos section. Completed home photos are of similar construction and finishes. Additional homes being built, contact us for more information!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Waller Elementary SchoolGrades PK-55.7 mi
4/10
6/10
Deane Bozeman SchoolGrades PK-1218.0 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 13.5 x 13

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 670
  • Total interior livable area: 670 sqft

Kitchen

  • Level: First
  • Dimensions: 18 x 14

Living Room

  • Level: First
  • Dimensions: 13 x 12

Property

Details

  • Parcel number: 03432020000
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Patio & porch: Covered,Porch

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: 60' x 100'

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
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • 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
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 $833$9,996
Home Insurance *$99$1,188
Property Taxes $81$972
Electricity $197$2,366
Total$1,210$14,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,485/yr
40% on housing$36,300/yr
45% on housing$32,266/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

$246This listing

vs Other Active Listings

Avg $/sqft

ZIP 32466$211
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32466$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
2026-04-20Listed for sale$175,000
2026-04-16Listing removed$229,000
2025-11-07Listed for sale$229,000

New Construction

AgentDennis Nelson
BrokerageKeller Williams Success Realty

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