Google street view image for 7820 Cluster Rd, Panama City, FL 32404

Off market sep 1984 for $5.5K

$164,675

Est. refi paymentEst. refi $39/mo

•

1 ba

•

912

sq ft

7820 Cluster Rd, Panama City, FL 32404

About this home

7820 Cluster Rd is a 912 square foot house on a 1.43 acre lot with 3 bedrooms and 1 bathroom. - it last sold on September 01, 1984 for $5,500. Based on Redfin's Panama City data, we estimate the home's value is $164,675.

Single-familyProperty Type

1986Year Built

1.43 acresLot Size

$181Est. Price/Sq.Ft.

Source:Public Records

Redfin Estimate

$164,675

$159K since sold in September 1984$4,000 since September

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 30.1% lower than the average sale price ($235K) of 6 comparable homes.

SOLD AUG 7, 2026
$239,000
A
3 beds2 baths1,493 sq ft
5416 Whitney Dr, Panama City, FL 32404
SOLD MAY 29, 2026
$252,500
B
3 beds2 baths1,266 sq ft
6513 Lake Joanna Cir, Panama City, FL 32404
SOLD SEP 28, 2026
$165,000
C
3 beds2 baths1,404 sq ft
6533 Dahlia Dr, Panama City, FL 32404
SOLD JUL 27, 2026
$221,400
D
3 beds2 baths1,144 sq ft
7201 Lake Suzzanne Way, Panama City, FL 32404
SOLD SEP 17, 2026
$254,900
E
3 beds2 baths1,443 sq ft
7335 John Levitow Ln, Panama City, FL 32404
SOLD MAY 8, 2026
$280,000
F
3 beds2 baths1,570 sq ft
6928 Bayou George Dr, Panama City, FL 32404

Claim this home to receive a free report every month with insights on the changing estimate.

Earn from this home

Refinance

Est. cash available

Get cash now or lower your monthly rate

Rent

$1,416/mo

Redfin rental estimate

List your home for rent

Market trends in 32404, FL

Last updated September 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-list price

97.9%

0.4% MoM

Median sale price

$299K

$4K MoM

Avg. days on market

87d

5 days MoM

Recently sold homes

306

9 MoM

New listings for sale

NEW 1 MIN AGO
4806 High Point Dr, Panama City, FL 32404
$479,000
5 beds3 baths1,972 sq ft
4806 High Point Dr, Panama City, FL 32404
NEW 2 HRS AGO
$499,900
5 beds3 baths3,159 sq ft
3814 Whitehead Blvd, Panama City, FL 32404
NEW 6 HRS AGO
$165,000
3 beds2.5 baths1,490 sq ft
4106 Holly Ln, Panama City, FL 32404
NEW 8 HRS AGO
$655,000
4 beds2 baths2,250 sq ft
8101 High Point Rd, Panama City, FL 32404
NEW 8 HRS AGO
$355,000
5 beds3 baths2,556 sq ft
3916 Silver Spur Rd, Panama City, FL 32404
NEW 13 HRS AGO
$425,000
3 beds2.5 baths2,355 sq ft
5116 Blue Harbor Dr, Panama City, FL 32404
FOR SALE BY OWNER
$375,000
4 beds3 baths1,608 sq ft
304 Gabrielle Ln, Panama City, FL 32404
NEW 29 HRS AGO
$199,900
3 beds2 baths2,032 sq ft
5628 Martin Ct, Panama City, FL 32404
NEW 30 HRS AGO
$246,000
3 beds2 baths1,532 sq ft
7300 Charlotte Cir, Panama City, FL 32404
$254,900
3 beds2 baths1,599 sq ft
6509 Lake Joanna Cir, Panama City, FL 32404
See all

Provided by Redfin

Sale history for 7820 Cluster Rd

Year

Property tax

Land + Additions

Assessment*

2025

$381 (+2.5%)

2024

$372 (+1.0%)

2023

$368 (+9.8%)

2022

$336 (−0.9%)

$24,150 + $27,121

$51,271

2021

$339 (+1.2%)

2020

$335 (−47.5%)

$25,200 + $24,330

$49,530

2019

$638 (−28.2%)

$25,200 + $24,657

$49,857

2018

$889 (−1.1%)

$25,200 + $44,577

$69,777

2017

$899 (−3.4%)

$24,450 + $44,904

$69,354

2016

$931 (−4.0%)

$24,450 + $45,557

$70,007

2015

$970 (−3.5%)

$24,450 + $46,210

$70,660

2014

$1,005

Tax history for 7820 Cluster Rd

Year

Property tax

Land + Additions

Assessment*

2025

$381 (+2.5%)

2024

$372 (+1.0%)

2023

$368 (+9.8%)

2022

$336 (−0.9%)

$24,150 + $27,121

$51,271

2021

$339 (+1.2%)

2020

$335 (−47.5%)

$25,200 + $24,330

$49,530

2019

$638 (−28.2%)

$25,200 + $24,657

$49,857

2018

$889 (−1.1%)

$25,200 + $44,577

$69,777

2017

$899 (−3.4%)

$24,450 + $44,904

$69,354

2016

$931 (−4.0%)

$24,450 + $45,557

$70,007

2015

$970 (−3.5%)

$24,450 + $46,210

$70,660

2014

$1,005

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

Property details

Interior

Heating & Cooling
Air Conditioning Type: Central
Heating Type: Forced Air

Exterior

Exterior Information
Building Construction Quality: Average
Exterior Wall: Asbestos Shingle
Roof Covering Type: Modular Metal
Roof Shape Type: Modular Metal
Building Type: Single Family

Property Information
Living Sq. Ft: 912
Adjusted Gross Sq. Ft: 1,237
Ground Floor Sq. Ft: 912
Building Sq. Ft: 2,300
# of Units: 1
# of Stories: 1
Legal Description: 2 3S 13W -1.126-MAP-159B BEG 552.10' S & 250' W OF NE COR OF SW1/4 TH S 500' W 125' N 500' E 125' TO POB AKA LOT K-1 STOKES FARMS UNR ORB 4185 P 1317

Parking & Garage Information
Parking Type: Carport
Garage/Parking Sq. Ft: 912
Garage / Carport Type: Carport

Lot Information
# of Buildings: 1
Land Sq. Ft: 62,465
Legal Lot Number: K-1
Acres: 1.434
Depth Footage: 500
Front Footage: 125
Zoning Code: R-2
State Use Description: SINGLE FAMILY

Financial

Assessor Information
Assessment Year: 2025
Tax Area: FIRE COUNTY MOSQUITO

Public facts

Beds: 3
Baths: 1.0
Sq. Ft.: 912
Stories: 1.0
Lot Size: 1.43 acres
Style: Single Family Residential
Year Built: 1986
Year Renovated: 1986
County: Bay County
APN: 05641760000

Home facts updated by county records on Sep 14, 2026

Around this home

Schools

Tommy Smith Elementary School

Public PreK-5 • Assigned • 3.0mi

5/10

Merritt Brown Middle School

Public 6-8 • Assigned • 2.9mi

5/10

Rutherford High School

Public 6-12 • Assigned • 8.5mi

3/10

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

4/10 Fire Factor

2% 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

2/10 Air Factor

1 unhealthy days expected this year, 1 days in 30 years

Provided by First Street

Historical weather

Panama City, FL • 32404

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 9.7 hours in June and 5.7 hours in December, placing it above the U.S. average for solar exposure.

9.7 hrs

5.7 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$157,000 – $190,000

Sell confidently with a local market expert in Panama City. 3 minutes to get started.

Nearby similar homes

NEW CONSTRUCTION

$349,900

2 beds2 baths1,502 sq ft

5663 Maude Rd, Panama City, FL 32404

Quartz countertops • Double vanity • Custom tile shower

NEW CONSTRUCTION

$359,900

5 beds3 baths2,043 sq ft

7122 William Pitsenbarger Rd, Panama City, FL 32404

Open floor plan • Granite countertops • Walk in shower

3D WALKTHROUGH

$250,000

3 beds2 baths1,403 sq ft

6570 Atkins Rd, Panama City, FL 32404

Corner-lot home • Modern appliances • Private ensuite bath

NEW CONSTRUCTION

$359,900

5 beds3 baths2,043 sq ft

7134 William Pitsenbarger Rd, Panama City, FL 32404

Open floor plan • Granite countertops • Center island

$259,000

3 beds2 baths1,198 sq ft

4911 Oak Ave, Youngstown, FL 32466

New construction • Spacious lot • Quartz countertops

3D WALKTHROUGH

$325,900

4 beds2 baths1,830 sq ft

6464 Bellavia Ln, Panama City, FL 32404

Split-bedroom layout • Large center island • Walk-in closet

New listings for sale in 32404

NEW 1 MIN AGO

$479,000

5 beds3 baths1,972 sq ft

4806 High Point Dr, Panama City, FL 32404

0.46 acre lot • Built 1982

NEW 2 HRS AGO

$499,900

5 beds3 baths3,159 sq ft

3814 Whitehead Blvd, Panama City, FL 32404

Mackenzie floor plan • Gourmet kitchen • Oversized hallways

NEW 6 HRS AGO

$165,000

3 beds2.5 baths1,490 sq ft

4106 Holly Ln, Panama City, FL 32404

Granite countertops • Spacious yard • Access to shopping

NEW 8 HRS AGO

$655,000

4 beds2 baths2,250 sq ft

8101 High Point Rd, Panama City, FL 32404

Waterfront frontage • Private dock • Jacuzzi

NEW 8 HRS AGO

$355,000

5 beds3 baths2,556 sq ft

3916 Silver Spur Rd, Panama City, FL 32404

Fenced backyard • Central location • 5,663 sq ft lot

NEW 13 HRS AGO

$425,000

3 beds2.5 baths2,355 sq ft

5116 Blue Harbor Dr, Panama City, FL 32404

Boat slip • Waterfront views • Open floor plan

FOR SALE BY OWNER

$375,000

4 beds3 baths1,608 sq ft

304 Gabrielle Ln, Panama City, FL 32404

Move-in ready home • 100% turnkey • Built 2019

NEW 29 HRS AGO

$199,900

3 beds2 baths2,032 sq ft

5628 Martin Ct, Panama City, FL 32404

0.7 acre lot • 2 parking spots • Built 1976

NEW 30 HRS AGO3D WALKTHROUGH

$246,000

3 beds2 baths1,532 sq ft

7300 Charlotte Cir, Panama City, FL 32404

6,534 sq ft lot • 2 garage spots • Built 2005

Home values near 7820 Cluster Rd

Data from public records.

Address	Redfin Estimate
7839 Cluster Road, Panama City, FL 3 Beds \| 2 Baths \| 2052 Sq. Ft.	$229,226
7905 Cluster Road, Panama City, FL 2 Beds \| 2 Baths \| 868 Sq. Ft.	$132,451

Address	Redfin Estimate
7821 Cluster Road, Panama City, FL 2 Beds \| 2 Baths \| 2052 Sq. Ft.	$141,523
7906 Cluster Road, Panama City, FL 4 Beds \| 3 Baths \| 2103 Sq. Ft.	$377,424

Address	Redfin Estimate
7832 Cluster Road, Panama City, FL 2 Beds \| 1 Baths \| 1196 Sq. Ft.	$142,673
7931 Cluster Road, Panama City, FL 3 Beds \| 2 Baths \| 1242 Sq. Ft.	$85,764

More real estate resources

Neighborhoods
Cities
Zip Codes
Popular Searches

Southport homes for sale
St. Andrews homes for sale
Sweetbay homes for sale
Cincinatti Hill homes for sale
Panama City Downtown homes for sale

Download the Redfin App on the Apple App Store

Download the Redfin App from the Google Play Store

Join us

Become an Agent

Get referrals

Careers

Find homes faster

About us

Find us

Subsidiaries

Affiliated Business

Countries

United States

Canada

Updated September 2025: By searching, you agree to the Terms of Use, and Privacy Policy.

Do not sell or share my personal information.

REDFIN and all REDFIN variants, WALK SCORE, and the R logos, are trademarks of Redfin Corporation, registered or pending in the USPTO.

California DRE #01521930

Redfin is licensed to do business in New York as Redfin Real Estate. NY Standard Operating Procedures

New Mexico Real Estate Licenses

TREC: Info About Brokerage Services, Consumer Protection Notice

All mortgage lending products and information are provided by Rocket Mortgage, LLC | NMLS #3030; www.NMLSConsumerAccess.org. Licensed in 50 states. This site is not authorized by the New York State Department of Financial Services for mortgage solicitation or loan applications activities related to properties located in the State of New York.

Redfin Corporation is an affiliated business of Rocket Limited Partnership. Each company, and their subsidiaries, are separate legal entities operated and managed through its own management and governance structures.

If you are using a screen reader, or having trouble reading this website, please call Redfin Customer Support for help at 1-844-759-7732.

REDFIN IS COMMITTED TO AND ABIDES BY THE FAIR HOUSING ACT AND EQUAL OPPORTUNITY ACT. READ REDFIN'S FAIR HOUSING POLICY AND THE NEW YORK STATE FAIR HOUSING NOTICE.

GreatSchools Ratings provided by GreatSchools.org.

32409 homes for sale
32401 homes for sale
32404 homes for sale
32444 homes for sale
32405 homes for sale

Houses for rent in Panama City	Agents near me	Sarasota, FL homes for sale	Panama City Housing Market
Houses for sale near me	Orlando, FL homes for sale	Fort Lauderdale, FL homes for sale
Land for sale near me	Tampa, FL homes for sale	Boca Raton, FL homes for sale
Open Houses near me	Miami, FL homes for sale	Panama City Property Records
Condos for sale near me	Jacksonville, FL homes for sale	FL New Listings

Panama City Beach homes for sale
Lynn Haven homes for sale
Mexico Beach homes for sale