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Single Family ResidenceResidential
$316,419$188 / 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 94How 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 $140,000 on Mar 31, 2026

3915 NAPOLI RD

PANAMA CITY, FL 32405
4
Beds
2
Baths
1,683 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
Pre-foreclosure (LIS)A foreclosure notice on this home is currently active. Many are worked out before any auction happens.
A foreclosure-related notice has been recorded for this property.

Valuation

$316K
$296K low$337K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$140,000 · Mar 31, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,480 (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.$260,087 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$252,757
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$271,507

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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.49%
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.minimal

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.2020
Lot (acres)The size of the land the home sits on, from county records.0.23
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 132 ft²

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.

Foreclosure Filings(1)

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

M
Mowat Middle SchoolC+
Middle · Grades 6–8 · 1.4 mi
H
A Crawford Mosley High SchoolB-
High · Grades 9–12 · 2.1 mi
E
Northside Elementary SchoolC-
Elementary · Grades PK–5 · 2.4 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

3915 Napoli Rd 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 more per square foot than 69% of homes in Panama City 32405
  • Older than 81% 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
$27K$777K

This home is worth more than 61% 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$316,419
CheaperTypical $274,972Pricier

Pricier than 61% of homes nearby

Price per ft²$188
CheaperTypical $168Pricier

Pricier than 69% of homes nearby

Living area1,683 ft²
SmallerTypical 1,650 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.23 ac
SmallerTypical 0.25 acBigger

Bigger than 42% of homes nearby

Year built1975
OlderTypical 1984Newer

Newer than 34% of homes nearby

How 3915 Napoli Rd ranks against every home in each area.
MeasureThis homePanama City 32405Bay County
Estimated valuepricier than$316,41961% of homes45% of homes
Price per ft²pricier than$18869% of homes39% of homes
Living areabigger than1,683 ft²53% of homes64% of homes
Lot sizebigger than0.23 ac42% of homes52% of homes
Year builtnewer than197534% of homes19% of homes

About 3915 Napoli Rd

How much is 3915 Napoli Rd, Panama City, FL worth?

The TopHap Estimate for 3915 Napoli Rd, Panama City, FL is $316,419 as of Sep 24, 2026. The likely range is $296,310 to $336,528. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3915 Napoli Rd, Panama City, FL last sell?

3915 Napoli Rd, Panama City, FL last sold on Mar 31, 2026 for $140,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3915 Napoli Rd, Panama City, FL?

3915 Napoli Rd, Panama City, FL has 4 bedrooms, 2 bathrooms, 1,683 square feet of living space and a 0.23-acre lot.

When was 3915 Napoli Rd, Panama City, FL built?

3915 Napoli Rd, Panama City, FL was built in 1975, making it 51 years old. The building has 1 story.

What schools serve 3915 Napoli Rd, Panama City, FL?

3915 Napoli Rd, Panama City, FL is assigned to Mowat Middle School (middle), rated C+; A Crawford Mosley High School (high), rated B-; 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 3915 Napoli Rd, Panama City, FL compare to other homes in Panama City 32405?

Among the 9,991 homes in Panama City 32405, it is worth more than 61% of them ($316,419 against a typical $274,972), its price per square foot is higher than 69% of them ($188 against a typical $168), it is bigger than 53% of them (1,683 ft² against a typical 1,650 ft²), its lot is bigger than 42% of them (0.23 ac against a typical 0.25 ac) and it is newer than 34% of them (1975 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 3915 Napoli Rd, Panama City, FL?

The 2024 property tax bill for 3915 Napoli Rd, Panama City, FL was $3,480. The county assessed it at $260,087.

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Assigned schools

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