475 WAHOO ROAD, PANAMA CITY BEACH, FL, 32408
Active23 days on marketListed Jul 17, 2026MLS #A4700311
About this home
475 WAHOO ROAD
Discover an exceptional opportunity to own a 0.29-acre canal-front lot in the prestigious gated community of Bay Point in Panama City Beach. With public utilities available and direct access to the canal, this property offers an ideal setting for coastal living and boating enthusiasts. Bay Point is one of Panama City Beach’s premier communities, featuring 24-hour security, a Jack Nicklaus championship golf course, full-service marina, on-site dining, and beautifully maintained grounds. Conveniently located just minutes from St. Andrews State Park, Shell Island, shopping, restaurants, and the sugar-white beaches of the Gulf Coast.
Facts & features
The home at a glance
0.3 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 and the real association fee — not generic estimates.
$2,794 /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
$2,794/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 Bay Point
Get to know Panama City Beach. See the full Panama City Beach guide →
Bay Point — neighborhood snapshot
Population
1,094
Median age
57
Median income
$81,816
Median home value
$524,931
Avg household
2
Households w/ children
54%
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 Beach market
$102K → $397K
Panama City Beach median sold, yr/yr
99.9%
Sale-to-list ratio (12 mo)
Median sold price, Panama City Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% below the PANAMA CITY BEACH 32408 median. See the full Panama City Beach 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 475 WAHOO ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 475 WAHOO ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
475 WAHOO ROAD FAQs
What would the monthly payment be for 475 WAHOO ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,794/mo — principal and interest, the actual property-tax bill, the $1/mo association fee 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.
How much are the HOA fees at 475 WAHOO ROAD?+
The association fee works out to $1 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 475 WAHOO ROAD?+
The most recent tax bill on record (2025) was $3,114. 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 475 WAHOO ROAD?+
The listing reports pets: Dogs OK. 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 Beach?+
At $374,999, this home is listed about 6% above the Panama City Beach median of $353,500. The market section on this page shows how the area is trending.
Which schools are assigned to 475 WAHOO ROAD?+
Patronis Elementary School (elementary), J.R. Arnold High School (high) — Bay County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PANAMA CITY BEACH 32408 market on paper
$374,999 is 27% below the PANAMA CITY BEACH 32408 median of $517,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Patronis Elementary School, J.R. Arnold High School — Patronis Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $384,999, now $374,999 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NEW ALLIANCE GROUP REALTY · Zach Hilferding. MLS #A4700311.
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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