7901 HIGHWAY 2301, PANAMA CITY, FL, 32404
Active243 days on marketListed Dec 8, 2025MLS #OM714690
About this home
7901 HIGHWAY 2301
Discover the perfect place to build your dream home on this 1.6 acre cleared lot, ideally positioned between Youngstown and Panama City. The property comes equipped with two septic tanks and a well*, offering a great head start for future development. No flood zone, no HOA. *Buyers should do their own due diligence verifying the condition of well and septic.
Facts & features
The home at a glance
1.66 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.
$696 /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
$696/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 11% below the PANAMA CITY 32404 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7901 HIGHWAY 2301 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7901 HIGHWAY 2301 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7901 HIGHWAY 2301 FAQs
What would the monthly payment be for 7901 HIGHWAY 2301?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $696/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 7901 HIGHWAY 2301?+
The most recent tax bill on record (2024) was $361. 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 7901 HIGHWAY 2301?+
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 $79,900, this home is listed about 70% 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 7901 HIGHWAY 2301?+
Rutherford High School (high), Cedar Grove Elementary School (elementary) — Bay County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PANAMA CITY 32404 market on paper
$79,900 is 11% below the PANAMA CITY 32404 median of $89,900.
02Time on market is leverage
243 days on market against a Panama City median of 28 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $80,000, now $79,900 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GAILEY ENTERPRISES REAL ESTATE · Samantha Roundtree. MLS #OM714690.
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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