1328 Friendship Ave, Panama City, FL, 32401
About This Home
Irresistible Florida COTTAGE CHARM meets modern convenience in historic Saint Andrews! Located in the Oak Hill community of Saint Andrews, this is THE PICTURESQUE SETTING you've been looking for! Need a quiet hideaway? Looking for roots for your small family? Require an OFFICE SETTING in your home? Maybe an affordable rental property! This thoughtfully-designed, one bedroom two bath home maximizes every square foot offering a seamless open floor plan perfect for coastal living. The design offers a flexible living area that will accommodate the occasional guest, a dining area with a new counter height table to serve as both a breakfast bar AND additional prep space, AND a well-equipped kitchen. There are two FULL bathrooms... one with a shower; one with a tub. The LARGE BEDROOM is furnished with a KING bed, two large nightstands, and an armoire. Besides the full bathroom with shower in the bedroom, there is also a closet already equipped with Maytag washer and dryer, and an additional closet. Taking care of business at home? An OFFICE ALCOVE is neatly tucked between the bedroom and the living area and could easily be partitioned off for additional privacy. With its FENCED corner location and new road surfaces and sidewalks being placed, it's a pleasant walk to Saint Andrew Bay. Public, private, charter, and specialty school options are all nearby. The cottage is located 15 minutes to a Panama City Beach public parking lot...and it's off to the SUGAR SHORE and emerald waters of world renowned beaches! There is no HOA so NO HOA fees or new buyer fees or contributions required. This low maintenance cottage is 2005 construction and sits in the shade amongst picturesque tilted oaks on a pretty corner lot. It can be available with some furniture.
Getting Around
Somewhat Walkable
Minimal Transit
BikeableSchools
Construction
Condition
- Year built: 2005
Type & Style
- Home type: SingleFamily
- Architectural style: Florida
- Property subType: Single Family Residence
Interior
Bedroom
- Level: First
- Dimensions: 17 x 15
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 2
Family Room
- Level: First
- Dimensions: 15 x 11
Interior Area
- Total structure area: 864
- Total interior livable area: 864 sqft
Property
Details
- Parcel number: 18940000000
Lot
- Lot size: 4,791 sqft
- Lot size dimensions: 37 x 129
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
- Strong Wind
- 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 | $1,006 | $12,072 |
| Home Insurance * | $135 | $1,620 |
| Property Taxes | $363 | $4,356 |
| Electricity | $197 | $2,366 |
| Total | $1,701 | $20,412 |
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 |
|---|---|---|
| 2026-06-01 | Listed for sale | $199,000 |
| 2026-05-10 | Listing removed | $199,000 |
| 2026-01-08 | Listed for sale | $199,000 |
| 2026-01-01 | Listing removed | $199,000 |
| 2025-09-22 | Price change | $199,000 |
| 2025-07-16 | Listed for sale | $204,000 |
| 2025-04-09 | Listing removed | $1,550 |
| 2025-04-05 | Listed for rent | $1,550 |
| 2025-04-05 | Listing removed | $1,550 |
| 2025-03-11 | Listed for rent | $1,550 |
| 2024-05-06 | Sold | $175,000 |
| 2024-04-17 | Pending sale | $185,000 |
| 2024-01-04 | Listed for sale | $185,000 |
| 2015-10-20 | Sold | $62,500 |
| 2015-10-02 | Listing removed | $800 |
| 2015-10-02 | Listed for sale | $69,000 |
| 2015-09-17 | Listed for rent | $800 |
| 2014-07-25 | Sold | $54,000 |
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