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5159 Harvey St, Panama City, FL, 32404

4beds
2baths
2,062sqft
$315,990
$153price/sqft
$2,281/moest. monthly cost
$91,240/yrincome needed

About This Home

**Special Financing available...3.99% and 4.99% options with our affiliate lender...plus $15,000 The Palmer floor plan is a 2062 square-foot home offering the perfect blend of comfort, functionality, and room to grow. Featuring four large bedrooms and two full bathrooms, the layout is designed to accommodate families, or guests with ease. The kitchen flows seamlessly into the Great Room creating a warm and welcoming atmosphere. The primary suite serves as a private retreat, complete with a spacious bedroom, ample closet space and an en-suite bathroom. Three additional bedrooms offer flexibility for guests, hobbies or remote work.

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

  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding,Wood Frame

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 13.6

Bedroom

  • Level: First
  • Dimensions: 10.1 x 13.6

Bedrooms & Bathrooms

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

Features

  • Coffered Ceiling(s),Double Vanity,Main Level Primary,Walk-In Closet(s)

Great Room

  • Level: First
  • Dimensions: 16.1 x 13.7

Heating & Cooling

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

Interior Area

  • Total structure area: 2,062
  • Total interior livable area: 2,062 sqft

Master Bedroom

  • Level: First
  • Dimensions: 14.6 x 17.4

Property

Details

  • Parcel number: 24918250022
  • Zoning description: Resid Single Family

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio,Porch

Lot

  • Lot size: 1.15 Acres
  • 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 $1,597$19,164
Home Insurance *$322$3,864
Property Taxes $155$1,860
Electricity $207$2,490
Total$2,281$27,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,205/yr
40% on housing$68,430/yr
45% on housing$60,826/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

$153This 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
2026-07-04Price change$310,000
2026-06-19Price change$315,990
2026-06-12Price change$329,990
2026-04-28Price change$315,990
2026-01-15Price change$319,490
2026-01-07Price change$328,490
2025-11-08Listed for sale$335,490

New Construction

AgentTori M Reed
BrokerageHoliday Builders of the Gulf Coast

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