TBD PLANTATION DRIVE, PANAMA CITY, FL, 32404
Active386 days on marketListed Jul 22, 2025MLS #TB8409963
About this home
TBD PLANTATION DRIVE
Water Front Property in Panama City, Florida! Discover the perfect blend of privacy and connection on this 1.49-acre, Cleared Corner vacant lot located on sought-after Plantation Drive in Bay County, Florida. With Gulf, Deep Water Access right from your backyard, it's a boater's paradise-ideal for launching your boat, kayaking at sunset, or just soaking in the serene waterfront views. This lot isn't just a piece of land-it's a gateway to the lifestyle you've been dreaming of. Nestled in a friendly, well-established neighborhood with plenty of welcoming neighbors, this property offers a rare chance to build your custom home in a vibrant and secure community. Multiple entrances on two newly paved streets. Whether you're looking to raise a family, retire in peace, or create a stunning vacation retreat, you'll love the mix of space, scenery, and social connection. Qualified buyers can finance this Beautiful property with 20% down payment.
Facts & features
The home at a glance
1.49 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.
$4,398 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,398/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 678% above the PANAMA CITY 32404 median. See the full Panama City market guide →
Paper trail
This home's history
Reality check
What actually sold near TBD PLANTATION DRIVE
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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about TBD PLANTATION DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for TBD PLANTATION DRIVE — 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
TBD PLANTATION DRIVE FAQs
What would the monthly payment be for TBD PLANTATION DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,398/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 TBD PLANTATION DRIVE?+
The most recent tax bill on record (2024) was $2,448. 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 $699,000, this home is listed about 164% above the Panama City median of $264,999. The market section on this page shows how the area is trending.
Which schools are assigned to TBD PLANTATION DRIVE?+
Rutherford High School (high), Cedar Grove Elementary School (elementary) — Bay County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PLANTATION REALTY, INC. · Carol Villani. MLS #TB8409963.
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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