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Single Family ResidenceResidential
$546,278$259 / 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 Sep 24, 2026
Last sold for $544,800 on Mar 30, 2023

2822 ANNETTE AVE

PANAMA CITY BEACH, FL 32408
3
Beds
2.5
Baths
2,107 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$546K
$507K low$586K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$544,800 · Mar 30, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,751 (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.$479,231 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$47,175
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$432,056
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$464,761
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$479,231

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.48 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.58%
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
Lot (acres)The size of the land the home sits on, from county records.0.11
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

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(1)

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

E
Patronis Elementary SchoolA
Elementary · Grades KG–5 · 2.6 mi
H
J.R. Arnold High SchoolC+
High · Grades 9–12 · 6.3 mi
M
Surfside Middle SchoolB
Middle · Grades 6–8 · 8.5 mi

District: Bay County School District

Neighborhood · ZIP 32408These 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.117
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 100.18

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.53%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
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.17,449
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,522 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,360
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$101,355
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

2822 Annette Ave 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 82% of homes in Bay County
  • Costs less per square foot than 69% of homes in Panama City 32408
  • Bigger than 84% of homes in Panama City 32408
  • Has a smaller lot than 79% of homes in Bay County
  • Among the newest homes in Panama City 32408

What homes are worth in Panama City 32408

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

This home
$184K$1.5M

This home is worth more than 74% of homes in Panama City 32408.

How it measures up in Panama City 32408

The dot is this home. The mark in the middle is the typical home in Panama City 32408.

Estimated value$546,278
CheaperTypical $397,051Pricier

Pricier than 74% of homes nearby

Price per ft²$259
CheaperTypical $327Pricier

Pricier than 31% of homes nearby

Living area2,107 ft²
SmallerTypical 1,300 ft²Bigger

Bigger than 84% of homes nearby

Lot size0.11 ac
SmallerTypical 0.13 acBigger

Bigger than 46% of homes nearby

Year built2023
OlderTypical 1990Newer

Newer than almost all homes nearby

How 2822 Annette Ave ranks against every home in each area.
MeasureThis homePanama City 32408Bay County
Estimated valuepricier than$546,27874% of homes82% of homes
Price per ft²pricier than$25931% of homes62% of homes
Living areabigger than2,107 ft²84% of homes81% of homes
Lot sizebigger than0.11 ac46% of homes21% of homes
Year builtnewer than2023almost all homesalmost all homes

About 2822 Annette Ave

How much is 2822 Annette Ave, Panama City Beach, FL worth?

The TopHap Estimate for 2822 Annette Ave, Panama City Beach, FL is $546,278 as of Sep 24, 2026. The likely range is $506,715 to $585,841. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2822 Annette Ave, Panama City Beach, FL last sell?

2822 Annette Ave, Panama City Beach, FL last sold on Mar 30, 2023 for $544,800, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 2822 Annette Ave, Panama City Beach, FL?

2822 Annette Ave, Panama City Beach, FL has 3 bedrooms, 2.5 bathrooms, 2,107 square feet of living space and a 0.11-acre lot.

When was 2822 Annette Ave, Panama City Beach, FL built?

2822 Annette Ave, Panama City Beach, FL was built in 2023, making it 3 years old. The building has 2 stories.

What schools serve 2822 Annette Ave, Panama City Beach, FL?

2822 Annette Ave, Panama City Beach, FL is assigned to Patronis Elementary School (elementary), rated A; J.R. Arnold High School (high), rated C+; 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 2822 Annette Ave, Panama City Beach, FL compare to other homes in Panama City 32408?

Among the 16,258 homes in Panama City 32408, it is worth more than 74% of them ($546,278 against a typical $397,051), its price per square foot is higher than 31% of them ($259 against a typical $327), it is bigger than 84% of them (2,107 ft² against a typical 1,300 ft²), its lot is bigger than 46% of them (0.11 ac against a typical 0.13 ac) and it is newer than almost all of them (2023 against a typical 1990). Measured against all of Bay County, it is worth more than 82% 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 2822 Annette Ave, Panama City Beach, FL?

The 2024 property tax bill for 2822 Annette Ave, Panama City Beach, FL was $5,751. The county assessed it at $479,231.

More homes on Annette Ave

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Assigned schools

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