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Single Family ResidenceResidential
$266,261$184 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $168,000 on Nov 15, 2017

109 RIDGECREST CT

PANAMA CITY, FL 32405
2
Beds
2
Baths
1,446 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$266K
$247K low$285K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$168,000 · Nov 15, 2017
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$138,261
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$110,609
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.49%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$128,000
TYNDALL FCU · recorded Nov 15, 2017

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$154,496 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$149,996
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$177,232

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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBay
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2004
Lot (acres)The size of the land the home sits on, from county records.0.10
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.Porch · 144 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.

E
Hiland Park Elementary SchoolD
Elementary · Grades KG–5 · 2.0 mi
H
Bay High SchoolC
High · Grades 9–12 · 2.0 mi
M
Jinks Middle SchoolD
Middle · Grades 6–8 · 2.1 mi

District: Bay County School District

Neighborhood · ZIP 32405These 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.79
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.31,645
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,575 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,502
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,161
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.67 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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 Ridgecrest Ct 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.

  • Worth less than 70% of homes in Bay County
  • Costs more per square foot than 65% of homes in Panama City 32405
  • Has a smaller lot than 90% of homes in Panama City 32405
  • Older than 66% of homes in Bay County

What homes are worth in Panama City 32405

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

This home
$26K$786K

This home is worth more than 48% of homes in Panama City 32405.

How it measures up in Panama City 32405

The dot is this home. The mark in the middle is the typical home in Panama City 32405.

Estimated value$266,261
CheaperTypical $272,599Pricier

Pricier than 48% of homes nearby

Price per ft²$184
CheaperTypical $169Pricier

Pricier than 65% of homes nearby

Living area1,446 ft²
SmallerTypical 1,641 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.1 ac
SmallerTypical 0.25 acBigger

Bigger than 10% of homes nearby

Year built1984
OlderTypical 1984Newer

Newer than 50% of homes nearby

How 109 Ridgecrest Ct ranks against every home in each area.
MeasureThis homePanama City 32405Bay County
Estimated valuepricier than$266,26148% of homes30% of homes
Price per ft²pricier than$18465% of homes36% of homes
Living areabigger than1,446 ft²37% of homes49% of homes
Lot sizebigger than0.1 ac10% of homes18% of homes
Year builtnewer than198450% of homes34% of homes

About 109 Ridgecrest Ct

How much is 109 Ridgecrest Ct, Panama City, FL worth?

The TopHap Estimate for 109 Ridgecrest Ct, Panama City, FL is $266,261 as of Jul 14, 2026. The likely range is $247,303 to $285,219. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Ridgecrest Ct, Panama City, FL last sell?

109 Ridgecrest Ct, Panama City, FL last sold on Nov 15, 2017 for $168,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Ridgecrest Ct, Panama City, FL?

109 Ridgecrest Ct, Panama City, FL has 2 bedrooms, 2 bathrooms, 1,446 square feet of living space and a 0.10-acre lot.

When was 109 Ridgecrest Ct, Panama City, FL built?

109 Ridgecrest Ct, Panama City, FL was built in 1984, making it 42 years old. The building has 1 story.

What schools serve 109 Ridgecrest Ct, Panama City, FL?

109 Ridgecrest Ct, Panama City, FL is assigned to Hiland Park Elementary School (elementary), rated D; Bay High School (high), rated C; Jinks Middle School (middle), rated D. All sit in Bay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Ridgecrest Ct, Panama City, FL compare to other homes in Panama City 32405?

Among the 9,986 homes in Panama City 32405, it is worth more than 48% of them ($266,261 against a typical $272,599), its price per square foot is higher than 65% of them ($184 against a typical $169), it is bigger than 37% of them (1,446 ft² against a typical 1,641 ft²), its lot is bigger than 10% of them (0.1 ac against a typical 0.25 ac) and it is newer than 50% of them (1984 against a typical 1984). Measured against all of Bay County, it is worth more than 30% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Panama City 32405

Assigned schools

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