10999 Front Beach Rd Apt 6
Panama City, FL 32407View map
- Townhome
- 3 bd
- 2.5 ba
- 1,545 sq ft
$1,199,999
List price
Our test at 20, 25 and 30% down
Does it carry itself?
HOA fee not listed
The listing doesn't give this home's HOA fee. By default our Deals list leaves out condos and townhomes like this, so this page gives no verdict.
Members see the rent, the monthly payment and what it nets at each down payment.
For members
What members see
- The estimated rent and its range, based on two independent rent estimates
- The monthly payment (PITIA) at 20, 25 and 30% down
- What it nets each month at each down payment
- DSCR, the ratio a lender measures, at each down payment
- The price it nets positive at
- A calculator to change any assumption
How we test a home
Every home we list gets the same test.
- Rent
- A 12-month unfurnished lease, based on two independent rent estimates. Never a seasonal or short-term rent.
- Property tax
- Tax is estimated at the buyer's reassessed value. Where the listing's own tax bill is higher, we use the bill.
- Insurance
- An estimate from local rates for a home this size. Its flood zone is not checked yet.
- HOA
- Not listed; we assume none.
- Loan
- 7.25% interest over 30 years, at 20, 25 and 30% down.
- Nets positive
- When its rent covers the whole monthly payment: loan, tax, insurance and HOA (PITIA). We use gross rent, as a DSCR lender does, with nothing set aside for vacancy, repairs, capex or management.
Facts
- Type
- Townhome
- Units
- 1
- Bedrooms
- 3
- Bathrooms
- 2 full, 1 half
- Size
- 1,545 sq ft
- Year built
- Not listed
- HOA fee
- Not listed
- Annual tax bill
- Not listed
- Days on market
- 62 days (listed Sep 4, 2026)
- Status
- For sale
Location
Pinned from the listing's street address.
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In Panama City, 62 nets positive at 20% down. Members see which ones, with the rent, the monthly payment and what each one nets.
See which onesListing information comes from third-party sources and may be wrong or out of date. Our rent, tax and insurance figures are estimates for screening, not advice. Verify taxes, insurance, HOA and rents before you offer.