525 SANDERS LANE, PANAMA CITY, FL, 32401
Active54 days on marketListed Jun 19, 2026MLS #A4697589
About this home
525 SANDERS LANE
Please note, the seller has lowered the price several times and is now firm at the listing price. This vacant lot offers an excellent opportunity to build your future home or make a smart investment. Situated in the City Of Springfield, the property features 0.51 acres of wooded terrain with public utilities available. Enjoy a peaceful setting while remaining conveniently located near shopping, dining, schools, and major highways, providing easy access to city amenities. Whether you’re looking for a private retreat, a development opportunity, or a long-term investment, this lot provides the flexibility and location to suit your needs. Listing is for land only and comes As Is.
Facts & features
The home at a glance
0.52 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$429 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$429/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Panama City
Get to know Panama City. See the full Panama City guide →
PANAMA CITY 32401 — neighborhood snapshot
Population
18,394
Median age
42.6
Median income
$49,901
Median home value
$207,000
Avg household
2.06
Households w/ children
1,939
For the school run
Bay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Panama City market
$250K → $54K
Panama City median sold, yr/yr
90.7%
Sale-to-list ratio (12 mo)
Median sold price, Panama City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 59% below the PANAMA CITY 32401 median. See the full Panama City market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 525 SANDERS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 525 SANDERS LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
525 SANDERS LANE FAQs
What would the monthly payment be for 525 SANDERS LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $429/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 525 SANDERS LANE?+
The most recent tax bill on record (2025) was $570. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 525 SANDERS LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Panama City?+
At $34,999, this home is listed about 87% below the Panama City median of $264,999. The market section on this page shows how the area is trending.
Which schools are assigned to 525 SANDERS LANE?+
Rutherford High School (high) — Bay County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of NEW ALLIANCE GROUP REALTY · Zach Hilferding. MLS #A4697589.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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