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Single Family ResidenceResidential
$319,900$267 / 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 98How 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 $330,000 on Sep 29, 2026

4007 LUFF ST

PANAMA CITY, FL 32408
2
Beds
2
Baths
1,196 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.
3,571 ft²
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$320K
$314K low$326K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$330,000 · Sep 29, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$404 (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.$102,456 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$99,638
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$260,038

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
0
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
94
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.2001
Lot (acres)The size of the land the home sits on, from county records.0.08
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
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 · 40 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
Patronis Elementary SchoolA
Elementary · Grades KG–5 · 1.7 mi
H
J.R. Arnold High SchoolC-
High · Grades 9–12 · 5.2 mi
M
Surfside Middle SchoolB+
Middle · Grades 6–8 · 7.1 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

4007 Luff 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 68% of homes in Panama City 32408
  • Costs less per square foot than 67% of homes in Panama City 32408
  • Smaller than 70% of homes in Bay County
  • Has a smaller lot than 84% of homes in Bay County

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
$177K$1.3M

This home is worth more than 32% 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$319,900
CheaperTypical $395,096Pricier

Pricier than 32% of homes nearby

Price per ft²$267
CheaperTypical $327Pricier

Pricier than 33% of homes nearby

Living area1,196 ft²
SmallerTypical 1,310 ft²Bigger

Bigger than 43% of homes nearby

Lot size3,571 ft²
SmallerTypical 0.13 acBigger

Bigger than 41% of homes nearby

Year built1986
OlderTypical 1990Newer

Newer than 45% of homes nearby

How 4007 Luff St ranks against every home in each area.
MeasureThis homePanama City 32408Bay County
Estimated valuepricier than$319,90032% of homes45% of homes
Price per ft²pricier than$26733% of homes65% of homes
Living areabigger than1,196 ft²43% of homes30% of homes
Lot sizebigger than3,571 ft²41% of homes16% of homes
Year builtnewer than198645% of homes41% of homes

About 4007 Luff St

How much is 4007 Luff St, Panama City, FL worth?

The TopHap Estimate for 4007 Luff St, Panama City, FL is $319,900 as of Sep 24, 2026. The likely range is $313,762 to $326,038. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4007 Luff St, Panama City, FL last sell?

4007 Luff St, Panama City, FL last sold on Sep 29, 2026 for $330,000, according to the county's recorded deed.

How big is 4007 Luff St, Panama City, FL?

4007 Luff St, Panama City, FL has 2 bedrooms, 2 bathrooms, 1,196 square feet of living space and a 0.08-acre lot.

When was 4007 Luff St, Panama City, FL built?

4007 Luff St, Panama City, FL was built in 1986, making it 40 years old. The building has 1 story.

What schools serve 4007 Luff St, Panama City, FL?

4007 Luff St, Panama City, 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 4007 Luff St, Panama City, FL compare to other homes in Panama City 32408?

Among the 16,240 homes in Panama City 32408, it is worth more than 32% of them ($319,900 against a typical $395,096), its price per square foot is higher than 33% of them ($267 against a typical $327), it is bigger than 43% of them (1,196 ft² against a typical 1,310 ft²), its lot is bigger than 41% of them (3,571 ft² against a typical 0.13 ac) and it is newer than 45% of them (1986 against a typical 1990). 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 4007 Luff St, Panama City, FL?

The 2024 property tax bill for 4007 Luff St, Panama City, FL was $404. The county assessed it at $102,456.

More homes on Luff St

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