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TownhouseResidential
$354,834$170 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $270,200 on Nov 6, 2018

109 FOSSIL FLS

PANAMA CITY BEACH, FL 32407
3
Beds
3
Baths
2,093 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,093 ft²
Lot SizeThe size of the land the home sits on, from county records.
2018
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$355K
$325K low$385K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$270,200 · Nov 6, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,067 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$322,627 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,869
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$298,758
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$320,587
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$322,627

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.16 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.62%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
CountyBay
Lot (acres)The size of the land the home sits on, from county records.0.07
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 198 ft²Porch · 54 ft²Sprinklers

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
J.R. Arnold High SchoolC-
High · Grades 9–12 · 0.4 mi
E
Hutchison Beach Elementary SchoolA-
Elementary · Grades KG–5 · 1.2 mi
M
Surfside Middle SchoolB+
Middle · Grades 6–8 · 2.0 mi

District: Bay County School District

Neighborhood · ZIP 32407These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.61%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.14,943
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.707 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,382
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$104,086
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.66 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Fossil Fls measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 93% of homes in Panama City Beach 32407
  • Bigger than 85% of homes in Panama City Beach 32407
  • Has a smaller lot than 86% of homes in Bay County
  • Newer than 90% of homes in Panama City Beach 32407

What homes are worth in Panama City Beach 32407

Each bar is how many homes fall in that price range. The marker is this home.

This home
$183K$889K

This home is worth more than 41% of homes in Panama City Beach 32407.

How it measures up in Panama City Beach 32407

The dot is this home. The mark in the middle is the typical home in Panama City Beach 32407.

Estimated value$354,834
CheaperTypical $395,708Pricier

Pricier than 41% of homes nearby

Price per ft²$170
CheaperTypical $267Pricier

Pricier than 7% of homes nearby

Living area2,093 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 85% of homes nearby

Lot size3,093 ft²
SmallerTypical 0.12 acBigger

Bigger than 39% of homes nearby

Year built2018
OlderTypical 2003Newer

Newer than 90% of homes nearby

How 109 Fossil Fls ranks against every home in each area.
MeasureThis homePanama City Beach 32407Bay County
Estimated valuepricier than$354,83441% of homes54% of homes
Price per ft²pricier than$1707% of homes28% of homes
Living areabigger than2,093 ft²85% of homes81% of homes
Lot sizebigger than3,093 ft²39% of homes14% of homes
Year builtnewer than201890% of homes88% of homes

About 109 Fossil Fls

How much is 109 Fossil Fls, Panama City Beach, FL worth?

The TopHap Estimate for 109 Fossil Fls, Panama City Beach, FL is $354,834 as of Aug 30, 2026. The likely range is $325,086 to $384,582. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Fossil Fls, Panama City Beach, FL last sell?

109 Fossil Fls, Panama City Beach, FL last sold on Nov 6, 2018 for $270,200, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Fossil Fls, Panama City Beach, FL?

109 Fossil Fls, Panama City Beach, FL has 3 bedrooms, 3 bathrooms, 2,093 square feet of living space and a 0.07-acre lot.

When was 109 Fossil Fls, Panama City Beach, FL built?

109 Fossil Fls, Panama City Beach, FL was built in 2018, making it 8 years old. The building has 2 stories.

What schools serve 109 Fossil Fls, Panama City Beach, FL?

109 Fossil Fls, Panama City Beach, FL is assigned to J.R. Arnold High School (high), rated C-; Hutchison Beach Elementary School (elementary), rated A-; Surfside Middle School (middle), rated B+. All sit in Bay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Fossil Fls, Panama City Beach, FL compare to other homes in Panama City Beach 32407?

Among the 8,937 homes in Panama City Beach 32407, it is worth more than 41% of them ($354,834 against a typical $395,708), its price per square foot is higher than 7% of them ($170 against a typical $267), it is bigger than 85% of them (2,093 ft² against a typical 1,392 ft²), its lot is bigger than 39% of them (3,093 ft² against a typical 0.12 ac) and it is newer than 90% of them (2018 against a typical 2003). Measured against all of Bay County, it is worth more than 54% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Fossil Fls, Panama City Beach, FL?

The 2024 property tax bill for 109 Fossil Fls, Panama City Beach, FL was $4,067. The county assessed it at $322,627.

More homes on Fossil Fls

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Assigned schools

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