2.75% interest rate assumable va loan. seller is willing to cover up to $5000 in closing cost with an acceptable offer. Welcome to 177 Osprey Lake Road, a beautifully maintained residence offering the perfect blend of comfort, privacy, and coastal convenience in the heart of Panama City Beach. Ideally situated in a desirable setting, this home features a functional and inviting layout designed for both everyday living and effortless entertaining. Spacious living areas are complemented by abundant natural light, creating a warm and welcoming atmosphere throughout. The kitchen is thoughtfully designed with ample cabinetry and workspace, seamlessly connecting to the main living and dining areas--perfect for hosting family and guests. The bedrooms are generously sized, including a well-appointed primary suite that offers a relaxing retreat. Step outside to enjoy a private outdoor space ideal for enjoying
Florida's year-round sunshine. Whether you're looking to relax, entertain, or simply unwind, the property provides the flexibility to suit a variety of lifestyles. Located just minutes from the white sand beaches of Panama City Beach, as well as shopping, dining, and entertainment, this home offers both convenience and a highly desirable coastal lifestyle. Whether you are searching for a primary residence, second home, or investment opportunity, 177 Osprey Lake Road presents an exceptional opportunity to own in one of the Gulf Coast's most sought-after markets.
For sale
Price cut: $9K (5/28)
$290,000
177 Osprey Lake Rd, Panama City, FL 32404
3beds
1,832sqft
Single Family Residence
Built in 2019
5,662 Square Feet Lot
$288,200 Zestimate®
$158/sqft
$-- HOA
What's special
Abundant natural lightWarm and welcoming atmosphereFunctional and inviting layout
- 68 days |
- 381 |
- 36 |
Zillow last checked:
Listing updated:
Listed by:
Ricardo E Hidalgo 850-225-5602,
Watersound Real Estate
Source: CPAR,MLS#: 788174
Originating MLS: Central Panhandle Association of REALTORS
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Primary Bedroom
Primary bedroom
- Level: First
- Dimensions: 15 x 15
Bedroom
- Level: First
- Dimensions: 14 x 13
Bedroom
- Level: First
- Dimensions: 14 x 13
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Cooktop, Electric Oven, Electric Water Heater
Features
- Main Level Primary, Shower Only, Walk-In Closet(s)
Interior area
- Total structure area: 1,832
- Total interior livable area: 1,832 sqft
Property
Parking
- Total spaces: 2
- Parking features: Garage
- Garage spaces: 2
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Patio
- Pool features: Community
- Fencing: Full,Fenced
Lot
- Size: 5,662 Square Feet
- Dimensions: 50 x 116
- Features: Paved
Details
- Parcel number: 07379875095
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subtype: Single Family Residence
Materials
- Vinyl Siding, Wood Frame
- Roof: Shingle
Condition
- New construction: No
- Year built: 2019
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Electricity Available
Community & HOA
Community
- Features: Pool, Community Pool
- Subdivision: Bridge Harbor
HOA
- Has HOA: Yes
Location
- Region: Panama City
Financial & listing details
- Price per square foot: $158/sqft
- Tax assessed value: $261,133
- Annual tax amount: $3,582
- Date on market: 4/13/2026
- Cumulative days on market: 72 days
- Electric utility on property: Yes
Estimated market value
$288,200
$274,000 - $303,000
$2,249/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/28/2026 | Price change | $290,000-3%$158/sqft |
Source: | ||
| 4/27/2026 | Price change | $299,000-3.5%$163/sqft |
Source: | ||
| 4/9/2026 | Listed for sale | $310,000+27%$169/sqft |
Source: | ||
| 5/1/2025 | Listing removed | $2,000$1/sqft |
Source: CPAR #771321 Report a problem | ||
| 4/23/2025 | Listed for rent | $2,000$1/sqft |
Source: CPAR #771321 Report a problem | ||
| 4/23/2025 | Listing removed | $2,000$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 3/29/2025 | Listed for rent | $2,000$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 4/30/2019 | Sold | $244,100$133/sqft |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,582 +0.1% | $261,133 +3% |
| 2023 | $3,578 +18% | $253,612 +10% |
| 2022 | $3,033 | $230,556 |
| 2021 | -- | -- |
| 2020 | $2,729 +751.7% | $203,896 +750.5% |
| 2019 | $320 | $23,975 +125.2% |
| 2018 | $320 | $10,645 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 32404
Nearby schools
GreatSchools rating
- 4/10Parker Elementary SchoolGrades: PK-5Distance: 2.1 mi
- 2/10Rutherford High SchoolGrades: 6-12Distance: 3.8 mi
Schools provided by the listing agent
- Elementary: Parker
- Middle: Rutherford Middle
- High: Rutherford
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Bay County
- Callaway
- 32404
- 177 Osprey Lake Rd




