PLANTATION CIRCLE, PANAMA CITY, FL, 32404
Active541 days on marketListed Feb 11, 2025MLS #O6280057
About this home
PLANTATION CIRCLE
Great opportunity to acquire a 1.18-acre vacant lot on Plantation Circle, Panama City, FL 32404. "Zoning: R-9" This generous parcel offers ample space for a custom spot, or developing a private retreat. Located in a quiet and accessible area, the property provides flexibility for a variety of projects an long-term investment potential. Perfect for builders or investors.Pin Location: Latitude 30.12665848, Longitude -85.55645435. Note: buyers I emphasize the importance of conducting thorough due diligence to ensure that the property meets your expectations and requirements.
Facts & features
The home at a glance
1.18 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.
$251 /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
$251/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 32404 — neighborhood snapshot
Population
42,117
Median age
38.1
Median income
$72,208
Median home value
$239,700
Avg household
2.6
Households w/ children
5,276
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 86% below the PANAMA CITY 32404 median. See the full Panama City market guide →
Paper trail
This home's history
Reality check
What actually sold near PLANTATION CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$320,000
6909 ROSS DRIVE
4 bd · 2 ba · 1,616 sqft · $198/sqft · 3 DOM
Sold · Dec ’25$373,000
508 TRACEY DR
4 bd · 3 ba · 2,317 sqft · $161/sqft · 199 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about PLANTATION CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for PLANTATION CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
PLANTATION CIRCLE FAQs
What would the monthly payment be for PLANTATION CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $251/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 PLANTATION CIRCLE?+
The most recent tax bill on record (2024) was $101. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Panama City?+
At $13,000, this home is listed about 95% 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 PLANTATION CIRCLE?+
Rutherford High School (high), Cedar Grove Elementary School (elementary) — Bay County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of KELLY RIGHT REAL ESTATE · Samih Sadiq. MLS #O6280057.
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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