7 BASS STREET, PANACEA, FL, 32346
Active116 days on marketListed Apr 12, 2026MLS #O6398424
About this home
7 BASS STREET
Welcome to 7 Bass St, a charming coastal retreat nestled in the serene community of Alligator Point, FL. This delightful property boasts a spacious layout with inviting living areas filled with natural light. The kitchen features modern appliances and ample cabinetry, appropriate for culinary enthusiasts. Enjoy tranquil evenings on the expansive deck overlooking lush surroundings. Just moments from the beach, this home has a unique blend of comfort and convenience. Don't miss this incredible opportunity!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,800
Sqft
0.16 ac
Lot size
1982
Year built
Three Or More
Levels
$333
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.
$3,772 /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
$3,772/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 Panacea
Get to know Panacea. See the full Panacea guide →
PANACEA 32346 — neighborhood snapshot
Population
2,393
Median age
55.8
Median income
$58,382
Median home value
$233,500
Avg household
2.49
Households w/ children
185
For the school run
Franklin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Panacea market
$605K → $605K
Panacea median sold, yr/yr
This home is listed 20% above the PANACEA 32346 median. See the full Panacea market guide →
Paper trail
This home's history
Reality check
What actually sold near 7 BASS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$345,000
2810 KOKOMO LOOP · same community
4 bd · 3 ba · 1,940 sqft · $178/sqft · 6 DOM
Sold · Dec ’25$299,000
3075 BARBADOS LANE · same community
4 bd · 3 ba · 1,543 sqft · $194/sqft · 403 DOM
Sold · Jun ’26$400,000
1932 SOUTHERN DUNES BOULEVARD · same community
4 bd · 3 ba · 2,069 sqft · $193/sqft · 101 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 7 BASS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7 BASS STREET — 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
7 BASS STREET FAQs
What would the monthly payment be for 7 BASS STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,772/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 7 BASS STREET?+
The most recent tax bill on record (2025) was $1,799. 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 7 BASS STREET?+
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 Panacea?+
At $599,900, this home is priced right at the Panacea median.
Which schools are assigned to 7 BASS STREET?+
Franklin County School () — Franklin County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$599,900 runs 20% above the PANACEA 32346 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
116 days on market against a Panacea median of 37 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $674,750, now $599,900 — a $75K cut. The full history is in the market section below.
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6398424.
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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