274 Bayou Bend Lane, Panama City FL 32404, PANAMA CITY, FL, 32404
Active54 days on marketListed Jun 25, 2026MLS #B26045357
About this home
274 Bayou Bend Lane, Panama City FL 32404
2022 built home minutes from Tyndall AFB with a real path to ownership. Seller financing and owner financing alternative, no bank needed. Approx. $15,000 down payment and a fixed monthly payment from $2,779 including taxes and insurance. You become a legal co-owner at closing through the seller's co-ownership program. Every payment buys more of the home until you own 100%. Not rent to own, the equity you build is yours. Bank said no? Steady W-2, self employed or 1099 income plus your entry payment is what counts, not just a credit score. 3 bedrooms*, 2 baths, 1,887 sq ft with 10 ft ceilings, granite counters, tankless water heater and a fenced backyard. Schedule your tour today and ask for the ownership guide. Se habla español.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,887
Sqft
0.15 ac
Lot size
2
Garage
2022
Year built
1
Levels
$145
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 and the real association fee — not generic estimates.
$2,290 /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
$2,290/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Panama City actives
$145 vs $218
Days on market
54 vs 28 typical
Where $145/sqft sits among the 6 Panama City actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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)
2 of 6
Panama City actives have cut their price
Median sold price, Panama City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 205% 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 274 Bayou Bend Lane
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 274 Bayou Bend Lane — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 274 Bayou Bend Lane — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
274 Bayou Bend Lane FAQs
What would the monthly payment be for 274 Bayou Bend Lane, Panama City FL 32404?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,290/mo — principal and interest, the actual property-tax bill, the $77/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 274 Bayou Bend Lane, Panama City FL 32404?+
The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 274 Bayou Bend Lane, Panama City FL 32404?+
The most recent tax bill on record (2025) was $3,826. 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 274 Bayou Bend Lane, Panama City FL 32404?+
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 $274,000, this home is listed about 10% above the Panama City median of $249,000. The market section on this page shows how the area is trending.
Which schools are assigned to 274 Bayou Bend Lane, Panama City FL 32404?+
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
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 Miami Association of REALTORS®.
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