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Single Family ResidenceResidential
$332,741$139 / 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 96How 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 $167,200 on Aug 4, 2009

2709 RUTGERS DR

PANAMA CITY, FL 32405
4
Beds
3
Baths
2,402 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1967
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$333K
$319K low$346K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$167,200 · Aug 4, 2009
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.$164,741
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$131,793
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.51%
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.$108,000
REGIONS BANK · recorded Aug 12, 2015
2nd 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.$60,000
REGIONS BK/FAYETTE

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,535 (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.$197,841 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$192,079
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$240,136

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.1997
Lot (acres)The size of the land the home sits on, from county records.0.34
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
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 · 380 ft²

Transaction History(5)

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

Foreclosure Filings(2)

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

E
Northside Elementary SchoolC-
Elementary · Grades PK–5 · 0.8 mi
M
Jinks Middle SchoolD
Middle · Grades 6–8 · 1.9 mi
H
Bay High SchoolC
High · Grades 9–12 · 1.9 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

2709 Rutgers 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.

  • Worth more than 66% of homes in Panama City 32405
  • Costs less per square foot than 89% of homes in Bay County
  • Bigger than 89% of homes in Bay County
  • Has a bigger lot than 70% of homes in Panama City 32405
  • Older than 87% 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$793K

This home is worth more than 66% 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$332,741
CheaperTypical $272,712Pricier

Pricier than 66% of homes nearby

Price per ft²$139
CheaperTypical $169Pricier

Pricier than 20% of homes nearby

Living area2,402 ft²
SmallerTypical 1,645 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.34 ac
SmallerTypical 0.25 acBigger

Bigger than 70% of homes nearby

Year built1967
OlderTypical 1984Newer

Newer than 23% of homes nearby

How 2709 Rutgers Dr ranks against every home in each area.
MeasureThis homePanama City 32405Bay County
Estimated valuepricier than$332,74166% of homes48% of homes
Price per ft²pricier than$13920% of homes11% of homes
Living areabigger than2,402 ft²85% of homes89% of homes
Lot sizebigger than0.34 ac70% of homes69% of homes
Year builtnewer than196723% of homes13% of homes

About 2709 Rutgers Dr

How much is 2709 Rutgers Dr, Panama City, FL worth?

The TopHap Estimate for 2709 Rutgers Dr, Panama City, FL is $332,741 as of Jul 14, 2026. The likely range is $319,178 to $346,304. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2709 Rutgers Dr, Panama City, FL last sell?

2709 Rutgers Dr, Panama City, FL last sold on Aug 4, 2009 for $167,200, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 2709 Rutgers Dr, Panama City, FL?

2709 Rutgers Dr, Panama City, FL has 4 bedrooms, 3 bathrooms, 2,402 square feet of living space and a 0.34-acre lot.

When was 2709 Rutgers Dr, Panama City, FL built?

2709 Rutgers Dr, Panama City, FL was built in 1967, making it 59 years old. The building has 1 story.

What schools serve 2709 Rutgers Dr, Panama City, FL?

2709 Rutgers Dr, Panama City, FL is assigned to Northside Elementary School (elementary), rated C-; Jinks Middle School (middle), rated D; Bay High School (high), rated C. All sit in Bay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2709 Rutgers Dr, Panama City, FL compare to other homes in Panama City 32405?

Among the 9,983 homes in Panama City 32405, it is worth more than 66% of them ($332,741 against a typical $272,712), its price per square foot is higher than 20% of them ($139 against a typical $169), it is bigger than 85% of them (2,402 ft² against a typical 1,645 ft²), its lot is bigger than 70% of them (0.34 ac against a typical 0.25 ac) and it is newer than 23% of them (1967 against a typical 1984). Measured against all of Bay County, it is worth more than 48% 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 2709 Rutgers Dr, Panama City, FL?

The 2024 property tax bill for 2709 Rutgers Dr, Panama City, FL was $2,535. The county assessed it at $197,841.

Closest homes

More homes in Panama City 32405

Assigned schools

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