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Single Family ResidenceResidential
$320,086$154 / 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 91How 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 $85,000 on Aug 11, 1990

243 PINE RIDGE DR

PANAMA CITY, FL 32405
3
Beds
2
Baths
2,080 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.
0.97 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$320K
$291K low$349K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$85,000 · Aug 11, 1990
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.$256,586
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$205,269
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.21%
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.$63,500
PEOPLES FIRST COMMUNITY BANK · R · recorded Aug 1, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,469 (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.$154,989 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,475
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$232,577

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.32 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.1983
Lot (acres)The size of the land the home sits on, from county records.0.97
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
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 666 ft²

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

H
A Crawford Mosley High SchoolB
High · Grades 9–12 · 1.2 mi
M
Mowat Middle SchoolC+
Middle · Grades 6–8 · 1.4 mi
E
Northside Elementary SchoolC-
Elementary · Grades PK–5 · 1.8 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

243 Pine Ridge Dr 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 81% of homes in Bay County
  • Bigger than 81% of homes in Bay County
  • Has a bigger lot than 96% of homes in Panama City 32405
  • Older than 83% 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$776K

This home is worth more than 63% 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$320,086
CheaperTypical $273,386Pricier

Pricier than 63% of homes nearby

Price per ft²$154
CheaperTypical $169Pricier

Pricier than 34% of homes nearby

Living area2,080 ft²
SmallerTypical 1,640 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.97 ac
SmallerTypical 0.24 acBigger

Bigger than 96% of homes nearby

Year built1973
OlderTypical 1984Newer

Newer than 30% of homes nearby

How 243 Pine Ridge Dr ranks against every home in each area.
MeasureThis homePanama City 32405Bay County
Estimated valuepricier than$320,08663% of homes45% of homes
Price per ft²pricier than$15434% of homes19% of homes
Living areabigger than2,080 ft²75% of homes81% of homes
Lot sizebigger than0.97 ac96% of homes90% of homes
Year builtnewer than197330% of homes17% of homes

About 243 Pine Ridge Dr

How much is 243 Pine Ridge Dr, Panama City, FL worth?

The TopHap Estimate for 243 Pine Ridge Dr, Panama City, FL is $320,086 as of Jul 14, 2026. The likely range is $291,146 to $349,026. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 243 Pine Ridge Dr, Panama City, FL last sell?

243 Pine Ridge Dr, Panama City, FL last sold on Aug 11, 1990 for $85,000, according to the county's recorded deed.

How big is 243 Pine Ridge Dr, Panama City, FL?

243 Pine Ridge Dr, Panama City, FL has 3 bedrooms, 2 bathrooms, 2,080 square feet of living space and a 0.97-acre lot.

When was 243 Pine Ridge Dr, Panama City, FL built?

243 Pine Ridge Dr, Panama City, FL was built in 1973, making it 53 years old. The building has 1 story.

What schools serve 243 Pine Ridge Dr, Panama City, FL?

243 Pine Ridge Dr, Panama City, FL is assigned to A Crawford Mosley High School (high), rated B; Mowat Middle School (middle), rated C+; Northside Elementary School (elementary), rated C-. All sit in Bay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 243 Pine Ridge Dr, 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 63% of them ($320,086 against a typical $273,386), its price per square foot is higher than 34% of them ($154 against a typical $169), it is bigger than 75% of them (2,080 ft² against a typical 1,640 ft²), its lot is bigger than 96% of them (0.97 ac against a typical 0.24 ac) and it is newer than 30% of them (1973 against a typical 1984). Measured against all of Bay County, it is worth more than 45% 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 243 Pine Ridge Dr, Panama City, FL?

The 2024 property tax bill for 243 Pine Ridge Dr, Panama City, FL was $1,469. The county assessed it at $154,989.

Closest homes

More homes in Panama City 32405

Assigned schools

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