3945 Red Deer Cir, Panama City, FL, 32404
About This Home
NEW FLOOR PLAN! This home is to be built, completion estimated for Oct/Nov 2026. Nestled in a central location in Panama City, this charming neighborhood has been thoughtfully crafted by local homebuilder Southern Coastal Homes. From the moment you arrive, a beautifully landscaped grand entrance and scenic bridge welcome you into an inviting environment. This community features wide homesites, three-sided brick homes, preserved natural areas, tranquil ponds, future green space, and a walking path for residents to enjoy. Inside this home, you'll find a wide range of high-quality upgrades including a tankless gas water heater, 9-foot ceilings, recessed lighting, painted Hardie-board siding on the front exterior, a gas kitchen range, a gas line ready for an outdoor grill, and a fully sodded yard with a sprinkler system. Tray ceilings enhance the living room and master bedroom, while the master bath includes double vanities, walk-in shower with glass door, a large walk-in closet, and convenient access to the laundry room. Additional features include a utility sink in the garage and a practical drop zone as you enter from the garage. This home is filled with beautiful finishes and thoughtful touches offering comfort, style, and everyday functionality. Buyer to verify any information deemed important. HOME IS TO BE BUILT. Design elements subject to change.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Brick,HardiPlank Type,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Gas Range,Tankless Water Heater
Bedroom
- Level: First
- Dimensions: 11 x 12
Bedroom
- Level: First
- Dimensions: 10 x 11
Bedroom
- Level: First
- Dimensions: 11 x 12
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Main Level Primary
- Window features: Double Pane Windows
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 1,650
- Total interior livable area: 1,650 sqft
Kitchen
- Level: First
- Dimensions: 9 x 15
Living Room
- Level: First
- Dimensions: 19 x 12
Master Bedroom
- Level: First
- Dimensions: 15.6 x 12.8
Property
Details
- Parcel number: 12813150078
Features
- Patio & porch: Covered,Patio,Porch
Lot
- Lot size: 6,969 sqft
- Features: Sprinkler System
- Lot size dimensions: plat
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
- Lightning
- Tornado
- Coastal Flooding
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Wildfire
- 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 | $1,718 | $20,616 |
| Home Insurance * | $346 | $4,152 |
| Property Taxes | $167 | $2,004 |
| Electricity | $197 | $2,366 |
| Total | $2,428 | $29,136 |
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 |
|---|---|---|
| 2026-06-02 | Listed for sale | $339,900 |
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