268 Ryder Lane, Panama City, FL 32404 (MLS# 786515)

268 Ryder Lane, Panama City, FL 32404

$352,000

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Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 1,867 Lot Size (sq. ft.): 6,970 Status: Pending

Current Price: $352,000 List Date: 3/09/2026 Last Modified: 6/26/2026

Overview

Description

RARE OPPORTUNITY! Assumable VA Loan at a 3.75% Interest Rate–save over $600/month compared to today's rates! This 2022-built 'Cali' model is priced at $362,000 with a manageable equity gap of approx. $26k. Pristine condition, smart home tech, and located in the sought-after Bridge Harbor community near Tyndall AFB. VA-eligible buyers with entitlement substitution preferred. Don't miss this chance to lock in 2022's best rate in 2026!Don't build new at 6% when you can move in here at 3.75%! The Cali plan features four bedrooms with one that can be used as a den or office. The kitchen is open and spacious with a center island and includes a pantry, beautifully bright white cabinetry. Bedroom 1 features a private bath with a separate shower and a large soak tub, as well as a spacious walk-in closet. This beautiful home has been constructed with a reinforced concrete foundation with wire mesh and rebar, house wrap barrier and four-sided vinyl. Offering a fenced backyard with pond view … (Read more)

Listing Details MLS# 786515

Contract Info

List Price/SqFt: 188.54

Location

Area: 02 – Bay County – Central
Street #: 268
Street Name: Ryder
Street Suffix: Lane
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0202 – Bay – Central SE
Subdivision: Bridge Harbor
Community/Resort: None
Waterfront: No
Parcel ID: 07379-925-495
Elementary School: Callaway
Middle School: Rutherford Middle
High School: Rutherford
Directions: From Hwy 98 going East, continue down N Tyndall Pkwy then turn left onto Boat Race Rd followed by a right onto Bridge Harbor Dr. Continue to Eagle Lake Way.
Legal Description: DUNES AT BRIDGE HARBOR LOT 99 ORB 4557 P 2327

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 1867
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 2022
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 50*140
Acreage: 0.16
Lot Size (SqFt): 6970
Pool: No

Status Change Info

Under Contract Date: 2026-04-13

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 284.85
HOA Frequency: Quarterly
HOA Annual Amount: 1139.4
New Buyer Fee: No
Last Taxes: 3311
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: RARE OPPORTUNITY! Assumable VA Loan at a 3.75% Interest Rate–save over $600/month compared to today's rates! This 2022-built 'Cali' model is priced at $362,000 with a manageable equity gap of approx. $26k. Pristine condition, smart home tech, and located in the sought-after Bridge Harbor community near Tyndall AFB. VA-eligible buyers with entitlement substitution preferred. Don't miss this chance to lock in 2022's best rate in 2026!Don't build new at 6% when you can move in here at 3.75%! The Cali plan features four bedrooms with one that can be used as a den or office. The kitchen is open and spacious with a center island and includes a pantry, beautifully bright white cabinetry. Bedroom 1 features a private bath with a separate shower and a large soak tub, as well as a spacious walk-in closet. This beautiful home has been constructed with a reinforced concrete foundation with wire mesh and rebar, house wrap barrier and four-sided vinyl. Offering a fenced backyard with pond views and no neighboring homes directly behind! Enjoy the community sidewalks, 100 year old Oak Tree park, resort style pool and access to the beautiful beach area with views of the bay! Schedule an appointment today!! Bridge Harbor is located in eastern Bay County just off of Boat Race Road. Living here would you mean that you are approximately 5 minutes to Tyndall Air Force Base and close to numerous shopping and dining establishments. And the Gulf of America is less than 30 minutes away. If you're looking for the perfect community, you've found it!

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Plumbed For Ice Maker: Yes

Interior Features

Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Siding – Vinyl: Yes

Exterior

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

Association Fees Include

Management: Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Smart Home: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Dedicated Beach: Yes
Landscaped: Yes
Near Beach Access: Yes
Sidewalk: Yes
Survey Available: Yes

Lot Access

City Street: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Door Opener: Yes
Paved: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Beach: Yes
Pool: Yes

Rooms

Bedroom: Yes
Full Bathroom: Yes
Kitchen: Yes
Living Room: Yes

Showing

ShowingTime: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Accessibility Features

Central Living Area: Yes
Smart Technology: Yes

Full Bathroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBed Walk-in Closet: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Accessibility Features: Central Living Area; Smart Technology Appliances: Cooktop – Electric; Dishwasher; Disposal; Microwave; Oven – Electric; Plumbed For Ice Maker Full Bathroom: First Bedroom: First Cooling: Central Air Heating: Central Exterior: Fenced Back Yard; Patio Covered; Porch Covered Association Fees Include: Management Financing: Assume w/int; Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Smart Home Kitchen: First Living Room: First Lot Features: Dedicated Beach; Landscaped; Near Beach Access; Sidewalk; Survey Available Lot Access: City Street; Paved Road Security Features: Smoke Detector(s) Parking Features: Driveway; Garage Door Opener; Paved Association Amenities: Beach; Pool Rooms: Bedroom; Full Bathroom; Kitchen; Living Room Showing: ShowingTime Utilities: TV Cable; Electricity – Connected; Garbage; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Full Bathroom	First	7.9 x 11	7.90	11.00
Bedroom	First	10.4 x 11	10.40	11.00
Bedroom	First	10.4 x 11	10.40	11.00
Bedroom	First	12 x 15	12.00	15.00
Bedroom	First	11.1 x 11.8	11.10	11.80
Living Room	First	15.1 x 16.4	15.10	16.40
Kitchen	First	18.3 x 11.3	18.30	11.30

Listing Office: Realty One Group Emerald Coast

Last Updated: June – 26 – 2026

Information deemed reliable but not guaranteed.