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2927 Patricia Ann Ln, Panama City, FL, 32405

4beds
2baths
1,873sqft
$330,000
$176price/sqft
$2,315/moest. monthly cost
$92,600/yrincome needed

About This Home

Well-maintained 4-bedroom, 2-bath home in the desirable Cedars Crossing community. Conveniently located near Tyndall Air Force Base, NSA Panama City, shopping, dining, and schools, this home offers both comfort and convenience. The functional floor plan features a spacious living area with tray ceilings in dining and master bedroom. The kitchen is equipped with an electric range, new dishwasher, and ample cabinet space for everyday living. Major updates include a new HVAC system installed in 2021. Large fenced in back yard with sunroom to spend the evening relaxing. AS-IS.

Getting Around

2
WalkingCar-Dependent
18
TransitMinimal Transit
26
BikeSomewhat Bikeable

Schools

4/10
2/10
Rutherford High SchoolGrades 6-121.1 mi
4/10
Bay High SchoolGrades 9-122.6 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2006

Materials

  • Roof: Shake
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Bedroom

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Bedroom

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Den

  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Features

  • Breakfast Bar,Tray Ceiling(s),Kitchen Island
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,873
  • Total interior livable area: 1,873 sqft

Living Room

  • Level: First
  • Area: 64
  • Dimensions: 8 x 8

Office

  • Level: First
  • Area: 48
  • Dimensions: 6 x 8

Property

Details

  • Parcel number: 14805157000
  • Zoning description: Resid Single Family

Features

  • Stories: 1
  • Patio & porch: Covered

Lot

  • Lot size: 8,449 sqft
  • Features: Cleared,Sidewalk
  • Lot size dimensions: 8449 Sq Ft

Parking

  • Parking features: Guest,Garage
  • Has garage: Yes

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
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Strong Wind
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 $1,668$20,016
Home Insurance *$161$1,932
Property Taxes $289$3,468
Electricity $197$2,366
Total$2,315$27,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,371/yr
40% on housing$69,450/yr
45% on housing$61,733/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

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 32405$206
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32405$196
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
2026-07-11Price change$330,000
2026-05-30Listed for sale$320,000
2021-07-09Sold$240,000
2021-05-24Pending sale$255,000
2021-05-04Listed for sale$255,000
2021-05-03Pending sale$255,000
2021-04-30Listed for sale$255,000
2020-06-27Listing removed$1,750
2020-06-03Price change$1,750
2020-05-19Listed for rent$1,800
2019-06-21Listing removed$2,000
2019-06-12Listed for rent$2,000
2017-03-31Sold$208,500
2017-02-10Price change$208,500
2017-01-06Listed for sale$215,000
2011-10-07Sold$168,000
2011-06-03Price change$175,000
2011-04-08Price change$178,000
2011-03-18Price change$189,000
2011-02-10Price change$197,000
2010-11-13Price change$199,000
2010-08-21Price change$207,000
2010-08-07Listed for sale$225,000
2007-03-29Sold$246,500

For Sale by Agent

AgentWilliam C Gillespie
BrokerageEXP Realty LLC

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