12109 Caruso Drive, Panama City, FL 32404
$37,000
Property Type:
Residential Land
Lot Size (sq. ft.):
34,848
Status:
Active
Current Price:
$37,000
List Date:
5/08/2026
Last Modified:
8/03/2026
Listing Details MLS# 789646
Contract Info
- List Price/Acre
- 46250
Location
- Street #
- 12109
- Street Name
- Caruso
- Street Suffix
- Drive
- Area
- 05 – Bay County – East
- State
- FL
- Zip Code
- 32404
- County
- Bay
- Sub Area
- 0516 – Bay East – Sandy Creek/East Callaway Heights
- Subdivision
- No Named Subdivision
- Community/Resort
- None
- Waterfront
- No
- Parcel ID
- 07399-814-000
- Elementary School
- Callaway
- Middle School
- Everitt
- High School
- Rutherford
- Directions
- Continue onto US-98 E 8.0 mi Use the left 2 lanes to turn left onto FL-22 E 5.6 mi Turn right onto Hwy 2297 3.2 mi Turn right onto Caruso Dr Destination will be on the right
- Legal Description
- 25 4S 13W -1.819- E 150' OF W 2400' OF N 300' AKA LOT 24O OF EAST BAY POINT UNREC.S 30' SUBJ TO ROAD EAS & TH N 15' SUBJ TO DRAINAGE EAS SUBJ ROAD R/W ORB 389 P 483 ORB 4664 P 2376
General Property Info
- Sub-Type
- Residential Lots
- Lot Dimensions
- 150×230
- Acreage
- 0.8
- Lot Size (SqFt)
- 34848
Listing Info, Tax & Legal
- HOA Fee
- No
- Last Taxes
- 273
- Last Tax Year
- 2025
- Brokerage Interest
- No Interest
- As Is
- Yes
Remarks & Misc
- Remarks
- Looking for land but overwhelmed by permits, wetlands, and all the ''extra stuff'' that usually comes with building? This property already has much of the hard work completed for you. Welcome to 12109 Caruso Drive in Panama City, Florida — an approximately 0.97-acre homesite with an approved Environmental Resource Permit already in place for a single-family home, pool, garage, yard, and driveway. What does that mean for you? It means the current owner has already gone through the lengthy and expensive environmental permitting process that many buyers don't realize can take months — sometimes over a year — to complete. Surveys, environmental studies, wetland evaluations, engineering plans, and mitigation requirements have already been addressed, potentially saving a future buyer significant time, stress, and thousands of dollars in upfront costs. Instead of starting from scratch, you can move forward with a property that already has a development plan approved through the state for a homesite with room for outdoor living and a pool. Public water and sewer are available at the road, along with electric access, making the building process even more convenient. The property offers a peaceful, natural setting while still being close to shopping, schools, dining, and everything Bay County has to offer. Whether you are planning your forever home, a private getaway, or simply investing in land for the future, this parcel offers flexibility and opportunity. Even better — the seller is offering owner financing with only $14,000 down, making it easier to secure land now without traditional bank financing. Build sooner. Skip months of permitting headaches. Save money on upfront environmental work. And start creating your vision on a property that is already one step ahead.
Financing
- Cash
- Yes
- Conventional
- Yes
- Seller Financing
- Yes
More Information
Lot Features
- Flood Insurance Req
- Yes
- Near Public Boat Ramp
- Yes
- Wooded
- Yes
Lot Access
- Graded/Maintained
- Yes
Present Zoning
- Resid Single Family
- Yes
Utilities
- Electricity – Connected
- Yes
- Public Sewer Available
- Yes
- Water Available
- Yes
Sale Type
- As Is
- Yes
Property Features
Financing:
Cash; Conventional; Seller Financing
Lot Access:
Graded/Maintained
Lot Features:
Flood Insurance Req; Near Public Boat Ramp; Wooded
Sale Type:
As Is
Utilities:
Electricity – Connected; Public Sewer Available; Water Available
Present Zoning:
Resid Single Family
Listing Office:
Performance Realty
Last Updated: August – 03 – 2026
Information deemed reliable but not guaranteed.