12132 PINERIDGE ROAD, FOUNTAIN, FL, 32438
Active105 days on marketListed Apr 30, 2026MLS #O6403857
About this home
12132 PINERIDGE ROAD
Opportunity awaits at 12132 Pine Ridge Rd in Fountain, FL! Situated on a spacious lot, this unique property features two manufactured structures—one completed and ready for use, and a second with plans and permits already in place, offering immediate potential for expansion or additional income. Whether you’re looking for a multi-unit setup, rental opportunity, or a place to customize and grow, this property provides flexibility and value. Enjoy the privacy and space of a rural setting with no HOA, while still having convenient access to major roadways and nearby Panama City. With room to expand and multiple use possibilities, this is an excellent opportunity for investors or buyers seeking versatility and future upside.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,136
Sqft
0.25 ac
Lot size
2018
Year built
One
Levels
$53
Per sqft
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.
$550 /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
$550/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 Pinecrest
Get to know Fountain. See the full Fountain guide →
Pinecrest — neighborhood snapshot
Population
300
Median age
35
Median income
$42,644
Avg household
2
Households w/ children
46%
For the school run
Bay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fountain market
$99K → $99K
Fountain median sold, yr/yr
This home is listed 208% above the FOUNTAIN 32438 median. See the full Fountain 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12132 PINERIDGE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12132 PINERIDGE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12132 PINERIDGE ROAD FAQs
What would the monthly payment be for 12132 PINERIDGE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $550/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 12132 PINERIDGE ROAD?+
The most recent tax bill on record (2025) was $121. 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 Fountain?+
At $60,000, this home is priced right at the Fountain median.
Which schools are assigned to 12132 PINERIDGE ROAD?+
Waller Elementary School (elementary), Deane Bozeman School (), Merritt Brown Middle School (middle) — Bay County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of INTERMIX REAL ESTATE INC · Agnes Fray. MLS #O6403857.
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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