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$315,000

Listing Price

4beds

2baths

1,992sqft

9,408sqft lot

2009 Clay Ave, Panama City, FL 32405

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  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

  • Get full access with a FREE Account

Already a member?

For Sale

Off Market

Single Family

Home type

147.78

Price / sqft

1960

Year built

Home Details

Welcome to this completely remodeled 4-bedroom, 2-bathroom split-level residence in the heart of Panama City. Located just minutes from shopping, dining, and very close to the beach, as well as minutes to St. Andrews, this home places you at the center of everything.This home features a brand-new HVAC system and ductwork, ensuring year-round comfort, and a new 50-gallon water heater for a reliable hot water supply. The kitchen is equipped with a sophisticated touch-activated faucet and the latest energy-efficient appliances, complemented by stunning new cabinets and quartz countertops. The exterior boasts a brand new driveway and a custom-built, permitted carport, providing ample covered parking.Inside, enjoy a luxurious bathing experience with a custom shower in the downstairs bath and beautifully tiled tub surround in the upstairs bath. The electrical system has been completely updated, and underground power ensures a cleaner, safer, and more reliable supply. The roof, updated in 2019, offers long-lasting protection. The main level is adorned with newly installed, luxurious white oak floors, craftsman-style trim and crown moulding, adding warmth and elegance to the home. Additionally, there is a screened, covered porch off the dining room, perfect for relaxing and enjoying the outdoors, or that morning cup!The upper level features three comfortable bedrooms with cozy carpeting, providing a warm and inviting atmosphere. The lower level includes a large 4th bedroom, second li

Interior Details

Square Feet
  • 1992

Bedrooms
  • 4

Bathrooms
  • 2

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Forced Air With Air Conditioning

Cooling
  • Has Cooling:

    Yes

  • Cooling Type:

    Central

Fuel
  • Has Fuel:

    No

  • Fuel Type:

    N/A

Basement
  • Has Basement:

    No

  • Basement Type:

    N/A

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    Cork

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 9408

Water
  • No

Sewer
  • No

Parking
  • Type:

    Driveway

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    0

Deck
  • No

Patio
  • No

Fence
  • No

Pool
  • No

Porch
  • No

Stoop
  • No

Breezeway
  • No

Construction Details

Number of Stories
  • 2

Style
  • N/A

Exterior
  • Wood

Foundation
  • N/A

Roof
  • Gable/hip

Roofing Material
  • Other (not Classified)

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2020

$1,591

$21,660

$65,318

--%

$86,978

2019

$253

$20,370

$20,288

--%

$40,658

2018

$497

$0

$0

--%

$69,441

2017

$488

$0

$0

--%

$68,013

2016

$490

$0

$0

--%

$66,614

2014

$498

$0

$0

--%

$65,626

2013

$460

$0

$0

--%

$64,657

2012

$457

$0

$0

--%

$63,576

percent-home-icon

Average Home Price in 32405

Nearby Properties

Zip Code

Price

Bed

Bath

Sqft

Lot

Sold Date

$350,703

3 Beds

2 Baths

1,794 Sqft

11,717 Lot (sqft)

Sold 05/25/2026

$315,000

4 Beds

2 Baths

1,992 Sqft

9,408 Lot (sqft)

Sold 09/29/2026

$--

3 Beds

2 Baths

1,875 Sqft

44,997 Lot (sqft)

Sold 10/06/2026

$325,000

3 Beds

2 Baths

1,970 Sqft

10,105 Lot (sqft)

Sold 09/29/2026

$191,496

2 Beds

1 Baths

1,786 Sqft

10,497 Lot (sqft)

Sold 09/29/2026

$196,955

3 Beds

2 Baths

1,741 Sqft

10,105 Lot (sqft)

Sold NaN/NaN/NaN

$225,000

3 Beds

2 Baths

2,112 Sqft

9,234 Lot (sqft)

Sold 10/05/2026

$235,000

3 Beds

2 Baths

1,934 Sqft

15,115 Lot (sqft)

Sold 09/29/2026

$309,000

2 Beds

1.5 Baths

1,716 Sqft

11,064 Lot (sqft)

Sold 10/05/2026

percent-home-icon

Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
315,000
$
Down payment
63,000
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
1,890
$
HOA (Monthly)
0
$
PMI
0
$
$2,039
Your Payment
Total Monthly Payment:$2,039
Percent of Income:35%
Affordable:No

Details for 2009 CLAY AVE

Property Debt

Foreclosure Contact Details