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Single Family ResidenceResidential
$220,814$141 / 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 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $69,500 on Sep 26, 1997

3902 W 21ST ST

PANAMA CITY, FL 32405
4
Beds
2
Baths
1,566 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$221K
$183K low$258K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$69,500 · Sep 26, 1997

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,000 (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.$95,466 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$90,880
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$122,548

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.0.22
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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 · 604 ft²

Transaction History(2)

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
Lucille Moore Elementary SchoolD+
Elementary · Grades PK–5 · 0.3 mi
M
Jinks Middle SchoolD
Middle · Grades 6–8 · 2.8 mi
H
Bay High SchoolC
High · Grades 9–12 · 3.3 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.31,625
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,574 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,511
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,174
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%

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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

3902 W 21st St 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 81% of homes in Bay County
  • Costs less per square foot than 87% of homes in Bay County
  • Older than 79% 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
$28K$746K

This home is worth more than 32% 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$220,814
CheaperTypical $276,282Pricier

Pricier than 32% of homes nearby

Price per ft²$141
CheaperTypical $170Pricier

Pricier than 20% of homes nearby

Living area1,566 ft²
SmallerTypical 1,654 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.22 ac
SmallerTypical 0.25 acBigger

Bigger than 41% of homes nearby

Year built1976
OlderTypical 1984Newer

Newer than 36% of homes nearby

How 3902 W 21st St ranks against every home in each area.
MeasureThis homePanama City 32405Bay County
Estimated valuepricier than$220,81432% of homes19% of homes
Price per ft²pricier than$14120% of homes13% of homes
Living areabigger than1,566 ft²44% of homes57% of homes
Lot sizebigger than0.22 ac41% of homes51% of homes
Year builtnewer than197636% of homes21% of homes

About 3902 W 21st St

How much is 3902 W 21st St, Panama City, FL worth?

The TopHap Estimate for 3902 W 21st St, Panama City, FL is $220,814 as of Oct 21, 2026. The likely range is $183,235 to $258,393. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3902 W 21st St, Panama City, FL last sell?

3902 W 21st St, Panama City, FL last sold on Sep 26, 1997 for $69,500, according to the county's recorded deed.

How big is 3902 W 21st St, Panama City, FL?

3902 W 21st St, Panama City, FL has 4 bedrooms, 2 bathrooms, 1,566 square feet of living space and a 0.22-acre lot.

When was 3902 W 21st St, Panama City, FL built?

3902 W 21st St, Panama City, FL was built in 1976, making it 50 years old. The building has 1 story.

What schools serve 3902 W 21st St, Panama City, FL?

3902 W 21st St, Panama City, FL is assigned to Lucille Moore Elementary School (elementary), rated D+; 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 3902 W 21st St, Panama City, FL compare to other homes in Panama City 32405?

Among the 9,990 homes in Panama City 32405, it is worth more than 32% of them ($220,814 against a typical $276,282), its price per square foot is higher than 20% of them ($141 against a typical $170), it is bigger than 44% of them (1,566 ft² against a typical 1,654 ft²), its lot is bigger than 41% of them (0.22 ac against a typical 0.25 ac) and it is newer than 36% of them (1976 against a typical 1984). Measured against all of Bay County, it is worth more than 19% 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 3902 W 21st St, Panama City, FL?

The 2024 property tax bill for 3902 W 21st St, Panama City, FL was $1,000. The county assessed it at $95,466.

More homes on W 21st St

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