Prime coastal lot a few blocks from the beach, south of Highway 98. Build your dream retreat on this spacious canvas. Convenient location near amenities. Seize the opportunity to own a piece of coastal paradise and create your ideal getaway. Adjacent lot also available for expanded possibilities.
Property Details
Property Features
Listing Office:
Office Name: Local Insight Realty
Lot Features
Lot Information:
Lot Size: 0.50 Acres
Other
Directions Information:
Directions: From Hwy 98 go South on Clara Ave then turn left to Emerald Lake Drive to the end of street. Look for real estate Sign at property
Price Information
Listing Price Info
Price Summary:
List Price: $109,900
Tax Information:
Annual Amount: $579
Tax Year: 2020
What can I afford?
Understand what home price range makes sense for your budget.
Housing Market Comparison
See how this home compares to others in Panama City Beach, FL.
Calculate your estimated monthly expenses for this listing. Play with the values below to better understand your monthly payment and utilities.
$616
Per Month
Principal & Interest
$549
Home PriceThe dollar amount you pay for the home.
$
Interest RateMortgage interest rates fluctuate, but they're typically in the 5% to 9% range. Your rate will be calculated based on personal details including your credit score.
%
Down PaymentThe initial money paid at closing that is usually a percentage of the purchase price. Most loans require at least 3% down, but a 0% down payment may be possible if you're eligible for a VA or USDA loan.
$%
Loan TermThis is how long you'll pay on the loan. A longer term gives you smaller payments, while a shorter term saves you money on interest.
Property Taxes
$0
Property Taxes -Annual CostEvery homeowner pays taxes to their local government based on their home's value and the property tax rates for the county or city. Most areas charge property taxes semiannually.
$/ Year
Mortgage Insurance
$0
Mortgage Insurance -Monthly PremiumMortgage insurance helps secure a mortgage with a lower down payment. It typically costs 0.1% - 2% of your loan amount per year.
$/ Month
Homeowners Insurance
$67
Homeowners Insurance -Monthly PremiumMost homeowners pay about $1,000 a year for homeowners insurance, but the cost varies based on your location, home and coverage.
$/ Month
Homeowners Association (HOA)
$0
Homeowners Association -Monthly FeesHomeowners Association (HOA) fees can range from $30 per month to $500+ per month. Be sure to ask your agent about HOA fees on a home as it can impact your affordability or check the online home listing.
$/ Month
Utilities
$0
Utilities - Monthly CostYou'll need to budget for utilities as a homeowner, which typically includes water and sewer, gas and electric, internet and cable. Cost will depend on your location and the size of your home. On a monthly basis, Americans pay $239 - $442 per month.
$/ Month
Recommended Financing
30-Year Fixed
Rate/APR
7.5% / 6.68%
Total Monthly Payment
$396
Powered By
Advertisement
NMLS#3030
Schools
Schools Nearby
The school rating is a score out of 10, where 10 is the highest and 1 is the lowest. Assigned schools have a bold outline.
We're sorry, we currently don't have assigned school data for this listing.
Nearby Schools
5
/10
Hutchison Beach Elementary School
12900 Hutchison Blvd
Distance between this listing and this school0.30 miles
Public District Grades KG-5
7
/10
Patronis Elementary School
7400 Patronis Dr
Distance between this listing and this school4.72 miles
Public District Grades KG-5
7
/10
West Bay Elementary School
14813 School Dr
Distance between this listing and this school6.13 miles
Public District Grades KG-5
Nearby Schools
6
/10
Surfside Middle School
300 Nautilus St
Distance between this listing and this school1.18 miles
Public District Grades 6-8
7
/10
Breakfast Point Academy
601 N Richard Jackson Blvd
Distance between this listing and this school1.55 miles
Public District Grades KG-8
10
/10
University Academy Sabl Inc
1980 Discovery Loop
Distance between this listing and this school9.02 miles
Public Charter Grades KG-8
Nearby Schools
5
/10
J.R. Arnold High School
550 N Alf Coleman Rd
Distance between this listing and this school1.25 miles
Public District Grades 9-12
7
/10
Rising Leaders Academy
1527 Lincoln Ave
Distance between this listing and this school8.69 miles
Public Charter Grades KG-12
1
/10
Central High School
1250 W 17th St
Distance between this listing and this school9.28 miles
The neighbors living near this home have an average income of $42,156. Typical income of Panama City Beach, FL residents is between $35k-100k annually. Residents typically live in single, no kids family. The majority of residents in this area have post secondary degree education.
All data provided by Home Junction and Claritas
Frequently Asked Questions About 12510 Emerald Lake Dr
What is the listing price of this property?
The listing price of 12510 Emerald Lake Dr property is $109,900.
What type of property is this?
The property 12510 Emerald Lake Dr is land located in Panama City Beach, Florida, 32407.
Is this property for sale now?
Active Listing: 12510 Emerald Lake Dr is For Sale (Active/New) which means the seller is accepting offers.
What is the annual property tax for this property?
According to the records, the last property tax for 2020 is $579 (source: MLS/based on county public records data).
When was this property sold last time and for how much?
The last sale was on January 20, 2005 for $270,000. (source: MLS/tax record).
How much acreage is this property?
The property 12510 Emerald Lake Dr is 0.50 acres.
Interested in 12510 Emerald Lake Dr? Let's connect.
By checking this box and submitting your personal information, you agree to our Terms of Use and Privacy Policy. You also expressly consent to having Rocket Homes Real Estate LLC, its Family of Companies, Rocket Homes Network Partners, and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system, AI voice, or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Rocket Homes Real Estate, LLC or its partners. By communicating with us by phone, you consent to calls being recorded and monitored. You also agree that we can share your personal data and contact information with third parties such as mortgage partners, partner companies, and affiliates, and that these parties may use your personal data and contact information for marketing and analytic purposes, and to improve your experience.
This home is located at 12510 Emerald Lake Dr in Panama City Beach, FL and zip code 32407 in the Emerald Lake Estates neighborhood. This home sits on a 0.50 acre lot. It has been listed on Rocket Homes since January 10, 2024 and is currently priced at $109,900.
Panama City Beach, FL housing market in November 2024 saw over 8 listings sold above listed price, more than 25 sold at listed price and over 90 sold below. Between October 2024 and November 2024, Panama City Beach, FL real estate market has seen increase in the number of listings by 1%. In November 2024, listings were on the market for 104 days. During the same period, the median list price in this real estate market was $454,516.
From Rocket Homes Real Estate and based on county public records data.