6319 Hilltop Ave #A & B, Panama City, FL, 32408
About This Home
Fully renovated duplex that has generated $107,000 in the past 12 months, just minutes from the beach, offering the perfect blend of lifestyle and investment potential. Located in a highly desirable area, you can walk or golf cart to the white sands & turquoise water beaches, coffee shops, restaurants, and local retail. Just 0.3 miles to a public boat ramp, making it perfect for enjoying both the Gulf and the bay. Each side features 3 bedrooms, 2.5 bathrooms, an open-concept layout, and durable LVP flooring throughout. Both primary suites include spacious private balconies overlooking the fenced backyard, creating an ideal indoor-outdoor retreat. The opportunities are truly endless with this one. Don't miss out!
Getting Around
Car-Dependent
Minimal Transit
BikeableSchools
Construction
Condition
- Property condition: Construction Complete,Renovated
- Year built: 1981
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Siding CmntFbrHrdBrd
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer,Electric Water Heater
Bedroom
- Level: Second
- Area: 135
- Dimensions: 15 x 9
Bedroom
- Level: Second
- Area: 108
- Dimensions: 12 x 9
Bedroom
- Level: Second
- Area: 135
- Dimensions: 15 x 9
Bedroom
- Level: Second
- Area: 108
- Dimensions: 12 x 9
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 6
- Full bathrooms: 4
- 1/2 bathrooms: 2
Den
- Level: First
- Area: 225
- Dimensions: 15 x 15
Dining Room
- Level: First
- Area: 110
- Dimensions: 11 x 10
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,720
- Total interior livable area: 2,720 sqft
Kitchen
- Level: First
- Area: 110
- Dimensions: 11 x 10
Master Bedroom
- Level: Second
- Area: 165
- Dimensions: 15 x 11
Master Bedroom
- Level: Second
- Area: 165
- Dimensions: 15 x 11
Property
Details
- Parcel number: 30753211000
- Zoning description: Resid Single Family
Features
- Stories: 2
- Patio & porch: Covered
- Exterior features: Balcony,Boat Launch,Private Yard
- Fencing: Privacy
Lot
- Lot size: 5,662 sqft
- Features: Level,Within 1/2 Mile to Water
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
- Lightning
- Coastal Flooding
- Cold Wave
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,210 | $38,520 |
| Home Insurance * | $874 | $10,488 |
| Property Taxes | $312 | $3,744 |
| Electricity | $273 | $3,284 |
| Total | $4,669 | $56,028 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-02 | Listed for sale | $635,000 |
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