Date
Details
Price
Change
Source
1/29/2026
Listed
$84,500
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
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1/46
$84,500
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Property Description
Here's your chance to turn a solid investment into big returns. This 3-bedroom, 2-bath home with 1,535 sq ft is located just minutes from Andrews Bay, offering proximity to the water and all the benefits of Panama City living. The property needs to be fully gutted, providing a true blank slate for investors to redesign, modernize, and maximize value-ideal for both fix-and-flip or long-term rental strategies. A major improvement is already in place with the roof updated in 2019, helping reduce upfront capital expenses. With a projected after-repair value of $250K-$255K and an estimated rehab budget of $70K-$80K, the numbers support strong upside potential. Conveniently located near Ascension Sacred Heart Bay, HCA Florida Gulf Coast Hospital, and Gulf Coast State College, this opportunity combines location, flexibility, and equity growth. Don't miss the chance to own near the water and create instant value in a growing Panama City market.
Full Property Details
Full Property Details for 4528 Horne Ave
General
- Price: $84,500
- Taxes: $1,452 (2025)
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 784389
- Updated: 1/29/2026
- Added to Site: 8 day(s) ago
Interior
- Number of Rooms: 4
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Additional Information
- Security/Safety: See Remarks
Location
- County: Bay
- Subdivision: [No Recorded Subdiv]
- Driving Directions: Head east on Business Hwy 98 from downtown Panama City, turn right onto Horne Avenue, and continue until you reach 4528 Horne Avenue, Panama City, FL 32404.
School Information
- Elementary School: Parker
- Middle School: Rutherford Middle
- High School: Rutherford
Community
- Community Name: 02 - Bay County - Central
Structural Information
- Architectural Style: A-Frame
- Sq. Ft. Source: Appraiser
- Year Built: 1940
Additional Structures
- Other Structures: Other
Lot Features
- Property View: Lake
- Lot Size (Acres): 0.33
- Lot Size (Sq. Ft.): 14,375
- Lot Size: .33
- Lot Dimensions: 0*0
- Frontage: City Street
- Zoning: City
Water Features
- Water Front: Yes
- Water View: Yes
Financial Considerations
- Tax Amount: $1,452
- Tax Year: 2025
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: HINSON & BLACKMAN PLAT LOT 6 BLK 2 ORB 3561 P 194
- Property ID: 25547-000-000
Listed by Salty Marlin Realty LLC
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Listing agent
— 4528 Horne Ave —
Salty Marlin Realty LLC
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Schools
Schools serving 4528 Horne Ave
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Parker Elementary School 640 South Highway 22 A, Panama City, FL 32404 | PK-5 | 0.7 mi |
Rutherford High School 1000 School Avenue, Panama City, FL 32401 | 6-8 | 2.3 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 4528 Horne Ave
Tax History
Tax History for 4528 Horne Ave
Year
Property Taxes
Change
Tax Assessment
Change
2025
$1,452
8%
$103,745
8%
2024
$1,348
164%
$96,489
26%
2023
$511
53%
$76,442
23%
2021
$333
-14%
$61,979
-16%
2022
$387
16%
$74,216
21%
2021
$333
7%
$61,123
6%
2019
$312
-24%
$57,786
-21%
2018
$412
-3%
$73,188
-1%
2017
$425
-4%
$73,679
-1%
2016
$441
-5%
$74,169
-1%
2015
$465
-47%
$74,660
-1%
2014
$885
597%
$75,150
72%
2013
$127
—
$43,621
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 4528 Horne Ave
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- Single Family
- Active
- Updated 1 day ago
- 3Beds
- 2Total Baths
- 1,325Sq. Ft.
- Single Family
- Active
- Updated 15 hours ago
- 5Beds
- 3Total Baths
- 2,952Sq. Ft.
- Single Family
- Active
- Updated 6 days ago
- 3Beds
- 2Total Baths
- 1,925Sq. Ft.
- Single Family
- Active
- Updated 2 days ago
- 3Beds
- 2Total Baths
- 1,901Sq. Ft.
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- Single Family
- Active
- Updated 4 days ago
- 4Beds
- 2Total Baths
- 1,661Sq. Ft.
Listed by Beverly Buck Team (850) 650-4563
- Single Family
- Active
- Updated 3 days ago
- 4Beds
- 3Total Baths
- 2,200Sq. Ft.
Listed by Beverly Buck Team (850) 650-4563
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4528 Horne Avenue, Panama City, FL 32404 (MLS# 784389) is a Single Family property with 3 bedrooms and 2 full bathrooms. 4528 Horne Avenue is currently listed for $84,500 and was received on January 29, 2026. Want to learn more about 4528 Horne Avenue? Do you have questions about finding other Single Family real estate for sale in Panama City? You can browse all Panama City real estate or contact a Coldwell Banker agent to request more information.