1856 Airport Circle, Panama City, FL 32405 (MLS# 790003)

1856 Airport Circle, Panama City, FL 32405

$375,000

Virtual Tour

https://www.zillow.com/view-3d-home/32bbcfff-2ac0-45ac-99ca-92c12015dc3e?setAttribution=mls&wl=true&utm_source=dashboard

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,042 Lot Size (sq. ft.): 12,415 Status: Active

Current Price: $375,000 List Date: 5/22/2026 Last Modified: 5/29/2026

Overview

Description

VA ASSUMABLE MORTGAGE AT 2.5%! No HOA, a spacious 4 bedroom, 3 full bath, 2,042 square foot layout, 0.28 acres, and an assumable 2.5% interest rate option all in one of Bay County's most convenient locations. Situated in unincorporated Panama City just north of Highway 390 near the expanding SweetBay area, this property offers flexibility, usable space, and easy access to Panama City shopping, dining, restaurants, retail, schools, hospitals, Publix, University Academy, Lynn Haven, PCB, and everyday conveniences. With continued commercial and residential expansion planned throughout the nearby SweetBay area over the coming years, many buyers are keeping a close eye on the area's long term growth and development. The property is also conveniently positioned near restaurants, walking trails, the growing commercial corridor, and the future marina development planned nearby. Inside, the spacious layout offers a great mix of original character and recent updates throughout select porti … (Read more) VA ASSUMABLE MORTGAGE AT 2.5%! No HOA, a spacious 4 bedroom, 3 full bath, 2,042 square foot layout, 0.28 acres, and an assumable 2.5% interest rate option all in one of Bay County’s most convenient locations. Situated in unincorporated Panama City just north of Highway 390 near the expanding SweetBay area, this property offers flexibility, usable space, and easy access to Panama City shopping, dining, restaurants, retail, schools, hospitals, Publix, University Academy, Lynn Haven, PCB, and everyday conveniences. With continued commercial and residential expansion planned throughout the nearby SweetBay area over the coming years, many buyers are keeping a close eye on the area’s long term growth and development. The property is also conveniently positioned near restaurants, walking trails, the growing commercial corridor, and the future marina development planned nearby. Inside, the spacious layout offers a great mix of original character and recent updates throughout select portions of the home. You will find fresh interior paint in several rooms, durable vinyl plank flooring, and a charming kitchen featuring unique brick look floors and newer appliances including the oven and dishwasher. In addition to the main living areas, the home also features a separate den complete with a fireplace, creating an ideal secondary living space, game room, or cozy gathering area. The converted garage serves as a private 4th bedroom suite or flexible bonus room separated from the main living area. Complete with its own full bathroom, this space works perfectly for long term guests, a quiet home office, private guest suite, hobby room, or multi generational living arrangement. The home also features a separate laundry room with direct backyard access for added convenience. The exterior is designed for functionality, accessibility, and storage. Sitting on approximately 0.28 acres, the property features reinforced gates positioned throughout multiple areas of the property allowing easy front to backyard access. The circular driveway provides plenty of parking options, while the detached covered carport located beside the home measures approximately 38 feet long by 14 feet wide and includes lighting, making it ideal for boats, small RVs, trailers, covered parking, workshop space, storage, or additional vehicles. The property also features a covered back patio, an additional storage building with attached covered storage area, and a private light located near the end of the driveway connected to the property’s electric service averaging approximately $20 per month for added visibility and convenience. Qualified buyers may also have the opportunity to assume the remaining VA loan balance of approximately $178,000 at a 2.5% interest rate, with the buyer responsible for bringing the remaining balance to closing or obtaining secondary financing for the difference if needed. Whether you are looking for a primary residence, second home, or investment opportunity, this property offers a rare combination of usable space, flexibility, convenience, and location in a highly desirable Bay County area. All information is deemed reliable but not guaranteed. Buyer to independently verify all measurements, features, zoning, intended uses, and any information deemed important

Listing Details MLS# 790003

Contract Info

List Price/SqFt: 183.64

Location

Area: 02 – Bay County – Central
Street #: 1856
Street Name: Airport
Street Suffix: Circle
State: FL
Zip Code: 32405
County: Bay
Sub Area: 0204 – Bay – Central NW
Subdivision: No Named Subdivision
Community/Resort: None
Waterfront: No
Parcel ID: 13096-049-000
Elementary School: Northside
Middle School: Jinks
High School: Bay
Directions: From Hathaway Bridge, head east on US-98 and take the exit for FL-368 E/W 23rd St. Continue about 1.7 miles, then turn left onto SR-390/St. Andrews Blvd. Go about 0.5 miles, turn left onto S Discovery Loop (formerly Airport Rd), then take the second left onto Airport Circle. The home will be on your left at 1856 Airport Cir.
Legal Description: 30 3S 14W ST A B DEV CO PLAT BEG 466.25' N & 147' W OF INT OF W R/W APT RD & S LI L-55 TH W 90'S 138.75' E 90' N 138.75' TO POB -57.25- 53A ORB 4155 P 938

General Property Info

Sub-Type: Detached Single Family
Design: Ranch
Apx SqFt(Htd/Cooled): 2042
SqFt Source: Owner Measured
Full Baths: 3
Total Baths: 3
# of Stories in Building: Yes
Year Built: 1977
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Covered Spaces: 2
Driveway Spaces: 6
Lot Dimensions: 90×138
Acreage: 0.28
Lot Size (SqFt): 12415
Pool: No

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: VA ASSUMABLE MORTGAGE AT 2.5%! No HOA, a spacious 4 bedroom, 3 full bath, 2,042 square foot layout, 0.28 acres, and an assumable 2.5% interest rate option all in one of Bay County's most convenient locations. Situated in unincorporated Panama City just north of Highway 390 near the expanding SweetBay area, this property offers flexibility, usable space, and easy access to Panama City shopping, dining, restaurants, retail, schools, hospitals, Publix, University Academy, Lynn Haven, PCB, and everyday conveniences. With continued commercial and residential expansion planned throughout the nearby SweetBay area over the coming years, many buyers are keeping a close eye on the area's long term growth and development. The property is also conveniently positioned near restaurants, walking trails, the growing commercial corridor, and the future marina development planned nearby. Inside, the spacious layout offers a great mix of original character and recent updates throughout select portions of the home. You will find fresh interior paint in several rooms, durable vinyl plank flooring, and a charming kitchen featuring unique brick look floors and newer appliances including the oven and dishwasher. In addition to the main living areas, the home also features a separate den complete with a fireplace, creating an ideal secondary living space, game room, or cozy gathering area. The converted garage serves as a private 4th bedroom suite or flexible bonus room separated from the main living area. Complete with its own full bathroom, this space works perfectly for long term guests, a quiet home office, private guest suite, hobby room, or multi generational living arrangement. The home also features a separate laundry room with direct backyard access for added convenience. The exterior is designed for functionality, accessibility, and storage. Sitting on approximately 0.28 acres, the property features reinforced gates positioned throughout multiple areas of the property allowing easy front to backyard access. The circular driveway provides plenty of parking options, while the detached covered carport located beside the home measures approximately 38 feet long by 14 feet wide and includes lighting, making it ideal for boats, small RVs, trailers, covered parking, workshop space, storage, or additional vehicles. The property also features a covered back patio, an additional storage building with attached covered storage area, and a private light located near the end of the driveway connected to the property's electric service averaging approximately $20 per month for added visibility and convenience. Qualified buyers may also have the opportunity to assume the remaining VA loan balance of approximately $178,000 at a 2.5% interest rate, with the buyer responsible for bringing the remaining balance to closing or obtaining secondary financing for the difference if needed. Whether you are looking for a primary residence, second home, or investment opportunity, this property offers a rare combination of usable space, flexibility, convenience, and location in a highly desirable Bay County area. All information is deemed reliable but not guaranteed. Buyer to independently verify all measurements, features, zoning, intended uses, and any information deemed important

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

More Information

Interior Features

Ceiling – Crwn Molding: Yes
Converted Garage: Yes
Floor – Vinyl Plank: Yes
Guest Quarters: Yes
Plantation Shutters: Yes

Construction/Siding

Brick Veneer: Yes
Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Siding – Hardie Board: Yes

Exterior

Fenced Back Yard: Yes
Patio Covered: Yes
Patio Open: Yes
Porch Covered: Yes

Other Structures

Workshop: Yes

Financing

Assume w/int: Yes
Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Lot Features

Interior Lot: Yes
Other – See Remarks: Yes

Lot Access

Paved Road: Yes

Parking Features

Carport Detached: Yes
Driveway: Yes
Circular Driveway: Yes
Paved: Yes

Mstr Bath / Mstr Bdrm

MBed First Floor: Yes
MBed Walk-in Closet: Yes
MBath Shower/Tub Combo: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Master Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Electricity – Connected: Yes
Public Water – Connected: Yes
Septic Tank: Yes

Sale Type

As Is: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Oven – Electric; Range – Electric; Refrigerator; Washer; Water Heater – Electric Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Fenced Back Yard; Patio Covered; Patio Open; Porch Covered Financing: Assume w/int; Cash; Conventional; FHA; VA Furnished: Unfurnished Lot Features: Interior Lot; Other – See Remarks Lot Access: Paved Road Parking Features: Carport Detached; Driveway; Circular Driveway; Paved Other Structures: Workshop Rooms: Bedroom; Master Bedroom Sale Type: As Is Showing: ShowingTime Utilities: Electricity – Connected; Public Water – Connected; Septic Tank Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	18 x 14	18.00	14.00
Bedroom	First	13 x 12	13.00	12.00
Bedroom	First	12 x 14	12.00	14.00
Bedroom	First	12 x 14	12.00	14.00

Listing Office: Florida Realty Experts

Last Updated: May – 29 – 2026

Information deemed reliable but not guaranteed.