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For sale

2723 Usery Rd

Panama City, FL 32404View map

  • Townhome
  • 4 bd
  • 3 ba
  • 2,080 sq ft
  • Built 2025

$284,900

List price

See the numbersRent, payment and Nets at 20, 25 and 30% down
2723 Usery Rd, Panama City, FL

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
See the numbersHow pricing works

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. It is not in a flood zone.
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
4
Bathrooms
3
Size
2,080 sq ft
Year built
2025
HOA fee
Not listed
Annual tax bill
$538, as listed
Days on market
109 days (listed Jul 19, 2026)
Flood zone
Not in a flood zone
Status
For sale

Location

Pinned from the listing's street address.

More homes for sale in Panama City

1,421 homes for sale in Panama City

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 ones

Listing information comes from third-party sources and may be wrong or out of date.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.