4910 Christy Lane, Panama City, FL 32404 (MLS# 791520)

4910 Christy Lane, Panama City, FL 32404

$460,000

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,446 Lot Size (sq. ft.): 7,405 Status: Active

Current Price: $460,000 List Date: 6/18/2026 Last Modified: 9/29/2026

Overview

Description

5.625% ASSUMABLE MORTGAGE AVAILABLE, subject to lender/servicer approval and buyer qualification–an opportunity for an eligible buyer to potentially save significantly on interest compared with obtaining a new loan at prevailing market rates. Welcome to 4910 Christy Lane, where quality craftsmanship, comfort, and exceptional outdoor living come together. This beautifully maintained two-story brick home features soaring 10-foot ceilings, extensive crown molding, granite countertops, rich cherry cabinetry, and a stunning double-sided natural gas fireplace that creates a warm and inviting atmosphere throughout the main living areas. The spacious primary suite offers a private retreat with its own balcony, dual vanities, a sunken soaking tub, and a walk-in tiled shower. Upstairs laundry adds everyday convenience. Step outside to your own private backyard oasis, designed for both entertaining and relaxation. Enjoy the sparkling pool, fully equipped outdoor kitchen, paver patio, an … (Read more)

Listing Details MLS# 791520

Contract Info

List Price/SqFt: 188.06

Location

Area: 02 – Bay County – Central
Street #: 4910
Street Name: Christy
Street Suffix: Lane
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0201 – Bay – Central NE
Subdivision: Cedar Branch
Community/Resort: None
Waterfront: No
Parcel ID: 05840-200-013
Elementary School: Tommy Smith
Middle School: Merritt Brown
High School: Bay
Directions: North on Hwy 231, pass Hwy 390, turn right on Cherokee Heights Rd, left on Merritt Brown Rd, Cedar Branch subdivision on the right — turn right onto Barrett Way, then first left onto Christy Lane.
Legal Description: CEDAR BRANCH LOT 13 ORB 4619 P 2234

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 2446
SqFt Source: An Appraiser
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 2007
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 69'x83'x46'x35'x121
Acreage: 0.17
Lot Size (SqFt): 7405
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 360
HOA Frequency: Annually
HOA Annual Amount: 360
New Buyer Fee: No
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: 5.625% ASSUMABLE MORTGAGE AVAILABLE, subject to lender/servicer approval and buyer qualification–an opportunity for an eligible buyer to potentially save significantly on interest compared with obtaining a new loan at prevailing market rates. Welcome to 4910 Christy Lane, where quality craftsmanship, comfort, and exceptional outdoor living come together. This beautifully maintained two-story brick home features soaring 10-foot ceilings, extensive crown molding, granite countertops, rich cherry cabinetry, and a stunning double-sided natural gas fireplace that creates a warm and inviting atmosphere throughout the main living areas. The spacious primary suite offers a private retreat with its own balcony, dual vanities, a sunken soaking tub, and a walk-in tiled shower. Upstairs laundry adds everyday convenience. Step outside to your own private backyard oasis, designed for both entertaining and relaxation. Enjoy the sparkling pool, fully equipped outdoor kitchen, paver patio, and mature landscaping providing remarkable privacy year-round. Additional highlights include a paver driveway, quality impact-resistant windows, sprinkler system, security system, and meticulous maintenance throughout. Conveniently located just minutes from Tyndall Air Force Base, shopping, dining, schools, and medical facilities. From relaxing poolside to entertaining family and friends, this exceptional home offers an impressive combination of indoor comfort, outdoor living, and a potentially valuable financing opportunity. Schedule your private showing today and ask for details about the assumable 5.625% mortgage.

Dining Room

First: Yes

More Information

Family Room

First: Yes

Foyer

First: Yes

Laundry

Second: Yes

Pool Features

Inground: Yes
Pool/Spa Combo: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Dryer: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Electric: Yes
Range Hood: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Ceiling – Crwn Molding: Yes
Ceiling – Raised: Yes
Floor – Tile: Yes
Kitchen Island: Yes

Construction/Siding

Brick: Yes
Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Dimensional Shg: Yes

Exterior

Balcony: Yes
Built-in Barbecue/Grill: Yes
Fenced Lot-All: Yes
Fenced Privacy: Yes
Fireplace: Yes
Summer Kitchen: Yes
Patio Open: Yes
Sprinkler System: Yes

Association Fees Include

Legal: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Negotiable: Yes

Interior

Floor – Carpet: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Cul-De-Sac: Yes

Lot Access

Paved Road: Yes

Parking Features

Garage Attached: Yes
Paver Block: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Family Room: Yes
Foyer: Yes
Full Bathroom: Yes
Half Bathroom: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Electricity – Connected: Yes
Garbage: Yes
Natural Gas – Available: Yes
Public Sewer – Connected: Yes
Underground Utilities: Yes

Full Bathroom

Second: Yes

Half Bathroom

First: Yes

Primary Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Gas: Yes
Natural Gas: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBath Walk-In Closet: Yes
MBed Balcony: Yes

Primary Bathroom

Second: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Dryer; Ice Maker; Microwave; Oven – Electric; Range Hood; Refrigerator; Washer; Water Heater – Electric Full Bathroom: Second Half Bathroom: First Primary Bedroom: Second Bedroom: Second Cooling: Ceiling Fan(s); Central Air Heating: Central; Electric; Fireplace – Gas; Natural Gas Exterior: Balcony; Built-in Barbecue/Grill; Fenced Lot-All; Fenced Privacy; Fireplace; Summer Kitchen; Patio Open; Sprinkler System Association Fees Include: Legal Financing: Cash; Conventional; FHA; VA Furnished: Negotiable Interior: Floor – Carpet Kitchen: First Living Room: First Lot Features: Cul-De-Sac Lot Access: Paved Road Primary Bathroom: Second Dining Room: First Family Room: First Foyer: First Laundry: Second Pool Features: Inground; Pool/Spa Combo Parking Features: Garage Attached; Paver Block Rooms: Bedroom; Dining Room; Family Room; Foyer; Full Bathroom; Half Bathroom; Kitchen; Laundry; Living Room; Primary Bathroom; Primary Bedroom Showing: ShowingTime Utilities: Electricity – Connected; Garbage; Natural Gas – Available; Public Sewer – Connected; Underground Utilities Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Family Room	First	21 x 15	21.00	15.00
Living Room	First	12 x 23	12.00	23.00
Kitchen	First	10 x 15	10.00	15.00
Dining Room	First	7 x 15	7.00	15.00
Foyer	First	3 x 19	3.00	19.00
Half Bathroom	First	2 x 7	2.00	7.00
Primary Bedroom	Second	17 x 14	17.00	14.00
Primary Bathroom	Second	18 x 8	18.00	8.00
Bedroom	Second	18 x 13	18.00	13.00
Bedroom	Second	15 x 13	15.00	13.00
Full Bathroom	Second	6 x 8	6.00	8.00
Laundry	Second	5 x 5	5.00	5.00

Listing Office: Keller Williams Success Realty

Last Updated: September – 29 – 2026

Information deemed reliable but not guaranteed.