274 Bayou Bend Lane
Panama City, FL 32404
$264,999
$140/ft²
About this home
2022 built home minutes from Tyndall AFB with a real path to ownership. Seller financing and owner financing alternative, no bank needed. Approx. $15,000 down payment and a fixed monthly payment from $ 2,420.00 including taxes and insurance. You become a legal co-owner at closing through the seller's co-ownership program. Every payment buys more of the home until you own 100%. Not rent to own, the equity you build is yours. Bank said no? Steady W-2, self employed or 1099 income plus your entry payment is what counts, not just a credit score. 3 bedrooms*, 2 baths, 1,887 sq ft with 10 ft ceilings, granite counters, tankless water heater and a fenced backyard. Schedule your tour today and ask for the ownership guide. Se habla español.
Features
- Private pool
Property details
Listing
- MLS #
- B26045357
- Status
- For sale
- Listed on
- Jun 25, 2026
- Days on market
- 45 days
- Listing data updated
- Aug 9, 2026
Interior
- Beds
- 3
- Baths
- 2
- Living area
- 1,887 ft²
- Price per ft²
- $140/ft²
Building & community
- Type
- Single-family home
- Year built
- 2022
- HOA fee
- $77/mo
- County
- Bay
Lot & exterior
- Lot size
- 6,578 ft²
- Private pool
- Yes
Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.
True monthly cost
- Mortgage (principal & interest)
- $1,340
- Property taxes (est.)
- $243
- Home insurance (est.)
- $233
- Flood insurance (est.)
- —
- HOA fee
- $77
Estimated total$1,893*/mo
* Some cost lines aren't available yet for this listing; the total shown is incomplete.
Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.
Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.
What will this home really cost you?
Location
Mortgage calculator
$1,340/moEstimated principal & interest. Taxes, insurance, and HOA are not included. This is an estimate, not a quote or financial advice.
This listing is courtesy of The Keyes Company.
Dustin Cook · 772-303-3377 · dust.cook@live.com · 772-343-7261
Data deemed reliable, but is not guaranteed accurate by MIAMI REALTORS®.
