OFF MARKET

Off Market Jun 2023 for $495K

$507,586

Est. refi paymentEst. refi $2,701/mo

•

2,222

sq ft

3540 High Cliff Rd, Panama City, FL 32409

About this home

NEW CONSTRUCTION HOME located on a 1/2 Acre Lot, Flood Zone X, No HOA Fees! 4 Spacious Bedrooms & 3.5 Baths, over 2,200 sq ft. This home has many Energy Efficient Features All LED Lights, Fully Insulated Interior Walls, Low E windows & much more. All thread rod system for Hurricane & strong wind protection. The Interior Features bullnose rounded wall corners, soft neutral Behr Premium paint wall color sure to match any decor, custom blinds, crown molding, tray ceilings in the Living room, Dining & Master Bedroom, recessed & upgraded light fixtures throughout, luxury high end vinyl plank flooring! The Kitchen is beautiful with Custom build hardwood Cabinetry & Quartz Countertops, over 9ft Island with double built in trashcans, deep drawers for pots & pan storage, all stainless steel appliances included, 2 Pantries, All Energy Star Rated Stainless Steel Appliances & more! There is a spacious dining area with tray ceiling that adjoins the kitchen. The Master suite is very spacious & has a large master bath featuring his and her double quartz topped sink, elegant Soaker tub, separate 5ft shower w/ glass door, large walk-in closet (11'x7')& private potty area! The additional bedrooms are very spacious with walk-in closets, The front additional bedroom features it's own private bathroom & Extra Large walk in Closet! There is also an additional Full bath with tub/shower combo & a 1/2 bath! The Laundry Room is spacious with storage cabinets & utility sink. The Garage is fully insulated & has attic storage with pull down stairs, sprinkler system with Wireless RAIN-CLIK Sensor to auto shut off Irrigation System during rainy conditions. There is a covered front porch is & back porch, these areas make the perfect spot for relaxing or entertaining. Make your appointment to view this lovely home today, it won't last long for sale! 1 year Builders Warranty & Fully Transferable Termite Bond Included! ***All Measurements Approximate, Please Measure if needed***

Single-familyProperty Type

2023Year Built

0.6 acresLot Size

$228Est. Price/Sq.Ft.

2 garage spacesParking

Listed by Lacy Horsley • Horsley Real Estate Group

Bought with The Cathy Alley Team Alley • Berkshire Hathaway Home Services PenFed Realty

Bought with Debbie Lowmiller • Berkshire Hathaway Home Services PenFed Realty

Redfin checked: 2 minutes ago

•Source:ECAR #921272

Redfin Estimate

$507,586

$13K since sold in June 2023$2,000 since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 4.8% higher than the average sale price ($484K) of 6 comparable homes.

SOLD AUG 13, 2026
$445,000
A
4 beds3.5 baths2,244 sq ft
3509 High Cliff Rd, Panama City, FL 32409
SOLD JUL 31, 2026
$449,900
B
4 beds3 baths1,898 sq ft
214 White Oaks Blvd, Panama City, FL 32409
SOLD JUL 6, 2026
$410,000
C
4 beds2 baths2,291 sq ft
10802 Cedar Ridge Ln, Panama City, FL 32409
SOLD DEC 11, 2025
$465,000
D
4 beds2.5 baths2,119 sq ft
3436 Cedar Creek Chase Dr, Panama City, FL 32409
SOLD AUG 25, 2026
$475,000
E
4 beds2 baths2,203 sq ft
7927 High Point Rd, Panama City, FL 32404
SOLD AUG 10, 2026
$660,000
F
4 beds3.5 baths2,966 sq ft
3203 Nautical Dr, Panama City, FL 32409

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Earn from this home

Sell

$104,366

Est. take-home

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Refinance

Est. cash available

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Rent

$2,757/mo

Redfin rental estimate

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Market trends in 32409, FL

Last updated August 2026

Buyer's Market

Seller's Market

Balanced market

Sale-to-List Price

97.9%

0.2% MoM

Median sale price

$395K

$22K MoM

Avg. days on market

66d

9 days MoM

Recently sold homes

2 MoM

New listings for sale

$225,000
3 beds2 baths1,650 sq ft
586 Hickory Bluff Dr, Panama City, FL 32409
3D WALKTHROUGH
$335,000
2 beds2 baths1,192 sq ft
4026 Kirkpatrick Rd, Panama City, FL 32409
$149,500
3 beds2 baths1,808 sq ft
6726 W Smith Rd, Panama City, FL 32409
FOR SALE BY OWNER
$520,000
3 beds2 baths1,701 sq ft
7424 Little Creek Cir, Panama City, FL 32409
VIDEO TOUR
$630,000
3 beds3 baths2,410 sq ft
3719 Long Rd, Panama City, FL 32409
$299,000
4 beds4.5 baths2,756 sq ft
8835 Jeffery Rd, Panama City, FL 32409
See all

Provided by Redfin

Sale history for 3540 High Cliff Rd

Date

Event

Price

ECAR #921272

Jun 8, 2023

Sold

$495,000

$223/sq ft

May 19, 2023

Pending

—

Apr 18, 2023

Listed

$515,000

$232/sq ft

CPARMLS #735840

Jun 8, 2023

Sold

$497,500

$224/sq ft

May 4, 2023

Price Changed

$510,000

$230/sq ft

Mar 24, 2023

Price Changed

$515,000

$232/sq ft

Mar 21, 2023

Price Changed

$525,000

$236/sq ft

Feb 20, 2023

Price Changed

$534,000

$240/sq ft

Dec 30, 2022

Listed

$535,000

$241/sq ft

+36

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS'NEW CONSTRUCTION HOME located on a 1/2 Acre Lot, Flood Zone X, No HOA Fees! 4 Spacious Bedrooms & 3.5 Baths, over 2,200 sq ft. This home has many Energy Efficient Features All LED Lights, Fully Insulated Interior Walls, Low E windows & much more. All thread rod system for Hurricane & strong wind protection. The Interior Features bullnose rounded wall corners, soft neutral Behr Premium paint wall color sure to match any decor, custom blinds, crown molding, tray ceilings in the Living room, Dining & Master Bedroom, recessed & upgraded light fixtures throughout, luxury high end vinyl plank flooring! The Kitchen is beautiful with Custom build hardwood Cabinetry & Quartz Countertops, over 9ft Island with double built in trashcans, deep drawers for pots & pan storage, all stainless steel appliances included, 2 Pantries, All Energy Star Rated Stainless Steel Appliances & more! There is a spacious dining area with tray ceiling that adjoins the kitchen. The Master suite is very spacious & has a large master bath featuring his and her double quartz topped sink, elegant Soaker tub, separate 5ft shower w/ glass door, large walk-in closet (11'x7') & private potty area! The additional bedrooms are very spacious with walk-in closets, The front additional bedroom features it's own private bathroom & Extra Large walk in Closet! There is also an additional Full bath with tub/shower combo & a 1/2 bath! The Laundry Room is spacious with storage cabinets & utility sink. The Garage is fully insulated & has attic storage with pull down stairs, sprinkler system with Wireless RAIN-CLIK Sensor to auto shut off Irrigation System during rainy conditions. There is a covered front porch is & back porch, these areas make the perfect spot for relaxing or entertaining. Make your appointment to view this lovely home today, it won't last long for sale! 1 year Builders Warranty & Fully Transferable Termite Bond Included! * * * All Measurements Approximate, Please Measure if needed * * *

CPARMLS #501102

Dec 9, 2021

Listing Removed

—

Oct 19, 2011

Listed

$55,000

$25/sq ft

Public Records

Jan 10, 2017

Sold

$22,000

$10/sq ft

CPARMLS #630321

Feb 22, 2016

Listing Removed

—

Mar 20, 2015

Listed

$38,000

$17/sq ft

CPARMLS #378528

Sep 19, 2011

Sold

$50,000

$23/sq ft

Jan 29, 2008

Listed

$65,000

$29/sq ft

Tax history for 3540 High Cliff Rd

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Permits

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

0.53 Acres

Year renovated

2023

Sq. Ft.

2,137

Year built

2023

Style

Single Family Residential

County

Bay County

APN

07585447000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jun 18, 2026.

Property details

Parking

Parking Information
No
Has Garage
Parking Features: Garage Attached
Garage Spaces: 2.00
Driveway Spaces: 4.00

Interior

Bedroom Information
Bedrooms: 4
Bedroom: First
Master Bedroom: First

Bathroom Information
Full Baths: 3
Half Baths: 1
Total Baths: 4.00
Master Bedroom/Master Bath: MBath Double Vanity, MBath Garden Tub, MBath Separate Shwr, MBath Walk-In Closet, MBed Trey Ceiling

Room Information
Rooms: Bedroom, Dining Room, Garage, Kitchen, Living Room, Master Bedroom
Kitchen: First
Living Room: First

Room 1
Living Room
Area: 380.00
Dimensions: 20 x 19
Length: 20.00
Width: 19.00
Level: 1

Room 2
Dining Room
Area: 156.00
Dimensions: 13 x 12
Length: 13.00
Width: 12.00
Level: 1

Room 3
Kitchen
Area: 216.00
Dimensions: 18 x 12
Length: 18.00
Width: 12.00
Level: 1

Room 4
Master Bedroom
Area: 208.00
Dimensions: 16 x 13
Length: 16.00
Width: 13.00
Level: 1

Room 5
Bedroom
Area: 216.00
Dimensions: 13.5 x 16
Length: 13.50
Width: 16.00
Level: 1

Room 6
Garage
Area: 462.00
Dimensions: 21 x 22
Length: 21.00
Width: 22.00
Level: 1

Interior Features
Appliances: Cooktop, Dishwasher, Disposal, Microwave, Refrigerator, Stove/Oven Electric
Interior: Breakfast Bar, Ceiling Crwn Molding, Ceiling Tray/Cofferd, Floor Vinyl, Kitchen Island, Lighting Recessed, Newly Painted, Pull Down Stairs, Washer/Dryer Hookup, Window Treatment All, Woodwork Painted

Exterior

Exterior Features
Pool Type: None
Exterior: Columns, Patio Covered, Sprinkler System

Lot Information
Acreage: 0.60
Lot Dimensions: 97 x 186 x 261
Lot Features: Covenants, Restrictions
Lot/Parcel Access: County Road, Paved Road
Zoning: Residential Single Family

Building Information
Construction Status: Construction Complete
Construction/Siding: Brick, Other N/A, Roof Dimensional Shg, Trim Vinyl

Financial

Tax Information
Last Tax Year: 2022
Last Taxes: 417.00

Financial Information
Mortgage Type: Conventional
Financing: Conventional, FHA, VA
Brokerage Interest: Familial Interest - Listing Broker/Licensee related to owner.
Seller
Seller

Utilities

Utility Information
Utilities: Electric, Phone, Public Water, Septic Tank, TV Cable
Energy: AC - Central Elect, Ceiling Fans, Double Pane Windows, Heat Cntrl Electric, Insulated Doors, Water Heater - Elect

Location

School Information
Elementary School: Deane Bozeman
Middle School: Deane Bozeman
High School: Deane Bozeman

Location Information
Sub Area: 2710 - Bay North - West Deerpoint/Southport
Area: 27 - Bay County
Street #: 3540
Street Name: High Cliff
Street Suffix: Road
City: Southport
County: Bay
State: FL
Zip Code: 32409
Project Name/Subdivision: Cedar Creek Chase
Absolute Longitude: 85.594895
Longitude: -85.594895
Latitude: 30.347142
Directions: From Hwy 77, Right at Red Light Hwy 2321, Left turn onto Resota Beach Road, Right turn onto High Cliff Road (Cedar Creek Subdivision), home on the Right

Public facts

Beds: 4
Baths: 4.0
Sq. Ft.: 2,137
Stories: 1.0
Lot Size: 0.53 acres
Style: Single Family Residential
Year Built: 2023
Year Renovated: 2023
County: Bay County
APN: 07585447000

Home facts updated by county records on Jun 18, 2026

Other

Listing Price Information
List Price: 515000.00
List Price/SqFt: 231.77

Property Information
Apx SqFt(Htd/Cooled): 2222.00
Design: Craftsman Style
Sub-Type: Detached Single Family

Listing Information
As Is

Around this home

Schools

Deane Bozeman School

Public PreK-12 • Assigned • 6.3mi

6/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

6/10 Fire Factor

11% chance of being in a wildfire in next 30 years

9/10 Heat Factor

7 days above 105° expected this year, 21 days in 30 years

9/10 Wind Factor

99% chance of strong winds in next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Panama City, FL • 32409

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.6 hours in June and 5.6 hours in December, placing it above the U.S. average for solar exposure.

9.6 hrs

5.6 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$483,000 – $584,000

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Home values near 3540 High Cliff Rd

Data from public records.

Address	Redfin Estimate
3542 High Cliff Road, Panama City, FL 1 Beds \| 1 Baths \| 264 Sq. Ft.	$202,632
3538 High Cliff Road, Panama City, FL 4 Beds \| 3.5 Baths \| 2244 Sq. Ft.	$503,119

Address	Redfin Estimate
3537 High Cliff Road, Panama City, FL 4 Beds \| 2 Baths \| 1800 Sq. Ft.	$426,487
3534 High Cliff Road, Panama City, FL 4 Beds \| 3.5 Baths \| 2244 Sq. Ft.	$489,931

Address	Redfin Estimate
3524 High Cliff Road, Panama City, FL 3 Beds \| 2 Baths \| 1980 Sq. Ft.	$415,519
3536 High Cliff Road, Panama City, FL 3 Beds \| 2 Baths \| 2022 Sq. Ft.	$451,412

Property information provided by ECAR when last listed in 2023. This data may not match . Learn more.

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