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3868 Wall Street 83 #Hs, Panama City, FL, 32404

3beds
2baths
1,290sqft
$251,990
$195price/sqft
$1,850/moest. monthly cost
$74,000/yrincome needed

About This Home

The Bonds floor plan offers a beautifully crafted single-story layout designed for effortless modern living. At the front of the home, a collection of well-appointed bedrooms provides comfort, privacy, and versatility, perfect for family members, guests, or a home office. From the entryway, the home opens into a spacious open-concept living area where the kitchen, dining space, and family room blend seamlessly, creating an inviting atmosphere for gathering, entertaining, or everyday relaxation. The kitchen features quartz countertops, stainless steel appliances, and 42' cabinets for both style and functionality. Nestled in its own private corner at the back of the home, the elegant owner's suite serves as a peaceful retreat with a well-appointed bathroom and a roomy walk-in closet.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
21
BikeSomewhat Bikeable

Schools

3/10
4/10
4/10
Bay High SchoolGrades 9-124.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Bedroom

  • Level: First
  • Dimensions: 12 x 10

Bedroom

  • Level: First
  • Dimensions: 12 x 10

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 10 x 9

Features

  • Main Level Primary,Shower Only,Walk-In Closet(s)

Garage

  • Level: First
  • Dimensions: 18 x 20

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,290
  • Total interior livable area: 1,290 sqft

Kitchen

  • Level: First
  • Dimensions: 10 x 10

Living Room

  • Level: First
  • Dimensions: 14 x 20

Master Bedroom

  • Level: First
  • Dimensions: 13 x 11

Property

Accessibility

  • Accessibility features: Accessible Common Area,Accessible Doors

Details

  • Parcel number: 11916800018
  • Zoning description: Resid Single Family

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 5,662 sqft
  • Lot size dimensions: 50 x 100

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
  • Coastal Flooding
    Coastal FloodingModerate
  • 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
Coastal Flooding
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 $1,274$15,288
Home Insurance *$256$3,072
Property Taxes $123$1,476
Electricity $197$2,366
Total$1,850$22,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,428/yr
40% on housing$55,500/yr
45% on housing$49,333/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

$195This 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
2026-07-31Listed for sale$251,990

New Construction

AgentLisa M Strickland
BrokerageLennar Realty Inc

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