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8820 Macadamia Ln, Panama City Beach, FL, 32413

2beds
3baths
2,336sqft
$620,810
$266price/sqft
$4,406/moest. monthly cost
$176,240/yrincome needed

About This Home

POPULAR ARUBA FLOORPLAN. WELL APPOINTED DESIGNER FEATURES. HOME FEATURES A 3-CAR GARAGE, 2 BEDROOM, 2.5 BATH WITH A DEN. ONE-STORY HOME WITH IMPACT GLASS THROUGHOUT THE ENTIRE HOME, GOURMET STYLE KITCHEN LAYOUT, 8FT DOORS AND RECESS LIGHTING. BUYER IS STILL ABLE TO SELECT DESIGN FEATURES OF THE HOME. PLEASE ASK ABOUT OUR BUYER INCENTIVES OFFER BY THE BUILDER.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
7/10
Surfside Middle SchoolGrades PK-128.8 mi
4/10
J.R. Arnold High SchoolGrades 9-129.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Asphalt

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Gas Water Heater,Plumbed For Ice Maker,Tankless Water Heater

Bedroom

  • Level: First
  • Dimensions: 11 x 10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Den

  • Level: First
  • Dimensions: 13 x 10

Dining Room

  • Level: First
  • Dimensions: 10 x 10

Features

  • Main Level Primary,Shower Only,Walk-In Closet(s),Home Theater
  • Window features: Double Pane Windows

Great Room

  • Level: First
  • Dimensions: 17 x 17

Heating & Cooling

  • Heating features: Central,ENERGY STAR Qualified Equipment
  • Cooling features: Central Air,ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 2,336
  • Total interior livable area: 2,336 sqft

Master Bedroom

  • Level: First
  • Dimensions: 14 x 12

Property

Accessibility

  • Accessibility features: Common Area,Central Living Area

Details

  • Parcel number: 32503700230

Features

  • Pool features: Community
  • Patio & porch: Covered,Patio
  • Exterior features: Rain Gutters
  • Spa features: Community
  • On waterfront: Yes

Lot

  • Lot size: 8,712 sqft
  • Features: Sprinkler System
  • Lot size dimensions: 55.0 ft x 131.0 ft

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • 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 $3,139$37,668
Home Insurance *$727$8,724
Property Taxes $305$3,660
Electricity $235$2,821
Total$4,406$52,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,062/yr
40% on housing$132,180/yr
45% on housing$117,493/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

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 32413$287
Bay County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 32413$311
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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$620,810
2026-07-13Listed for sale$620,810

New Construction

AgentNikki Crovato
BrokerageRE/MAX GOLD

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