NOT LISTED FOR SALE

6428 Summer Oak Dr Panama City, FL 32408

Upper Grand Lagoon Neighborhood

Estimated Value: $319,000 - $330,000

3 Beds
2 Baths
1,446 Sq Ft
$224/Sq Ft Est. Value

Last Sold April 04, 2025

Last sale price $320,000 $221 Per Sq Ft

Est. 1% increase in value since last sale

Current estimated payment $1,916/month

35 Days on Market

Highlights

  • Craftsman Architecture
  • No HOA
  • Fireplace
  • J.R. Arnold High School Rated A-
  • Covered Patio or Porch
  • 2 Car Attached Garage

About This Home

As of April 2025

6428 Summer Oak Drive, Panama City Beach, FLThis 3-bedroom, 2-bathroom home is perfectly situated right off Thomas Drive, offering easy access to the best of Panama City Beach. With no HOA and short-term rentals allowed, it's a fantastic opportunity for investors looking for strong rental income or buyers wanting a beachside primary residence.Inside, you'll find a spacious layout with plenty of natural light. The kitchen offers granite countertops, stainless steel appliances, and ample storage space, while the master suite includes a private ensuite bath. The additional bedrooms provide plenty of room for guests or a home office.Outside, enjoy a large backyard perfect for relaxing or entertaining. There's also ample parking for a boat or golf cart, making it easy to explore the area. Located just minutes from the beach, popular restaurants, and local attractions, this home is in a prime spot for both vacationers and full-time residents.Approximate measurements buyer to verify if important.

Last Agent to Sell the Property

Justin Cater LLC

EXP Realty LLC Listed on: 02/13/2025

EXP Realty LLC

Last Buyer's Agent

Non Member

NON-MEMBER OFFICE

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,318

Year Built

  • Built in 1986

Lot Details

  • 0.25 Acre Lot
  • Lot Dimensions are 80x145
  • Property fronts a county road
  • Fenced

Parking

  • 2 Car Attached Garage
  • Driveway

Home Design

  • Home to be built
  • Craftsman Architecture
  • Slab Foundation
  • Shingle Roof

Interior Spaces

  • 1,446 Sq Ft Home
  • Ceiling Fan
  • Fireplace
  • Washer

Kitchen

  • Electric Oven
  • Electric Cooktop
  • Microwave
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Schools

  • Patronis Elementary School
  • Surfside Middle School
  • Arnold High School

Additional Features

  • Covered Patio or Porch
  • Central Heating and Cooling System

Community Details

  • No Home Owners Association
  • North Lagoon Oaks 1St Subdivision

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,318

Year Built

Built in 1986

Lot Details

0

Parking

2

Listing Details

  • Property Type: Residential
  • Year Built: 1986
  • Property Sub Type: Detached
  • Lot Size Acres: 0.25
  • Lot Size: 80x145
  • Road Frontage Type: County Road
  • Road Surface Type: Paved
  • Subdivision Name: North Lagoon Oaks 1st
  • Architectural Style: Craftsman
  • Property Attached Yn: No
  • ResoPropertyType: Residential
  • Property Sub Type Additional: Detached,Single Family Residence
  • Special Features: None

Interior Features

  • Appliances: Dishwasher, Electric Cooktop, Electric Oven, Disposal, Microwave, Refrigerator, Washer
  • Interior Amenities: Fireplace
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Fireplace: Yes
  • Living Area: 1446.0
  • Dining Room Type: Bedroom, Primary Bathroom
  • ResoLivingAreaSource: Appraiser

Exterior Features

  • Fencing: Fenced
  • Waterfront: No
  • Foundation Details: Slab
  • Patio And Porch Features: Covered, Porch
  • Property Condition: To Be Built
  • Roof: Shingle

Garage/Parking

  • Garage Spaces: 2.0
  • Parking Features: Attached, Driveway, Garage
  • Garage: Yes
  • Attached Garage: Yes

Utilities

  • Cooling: Central Air, Ceiling Fan(s), Electric
  • Heating: Central, Electric
  • Cooling Y N: Yes
  • Heating Yn: Yes

Condo/Co-op/Association

  • Community Features: Short Term Rental Allowed
  • Association: No

Schools

  • Middle Or Junior School: Surfside

Lot Info

  • Lot Size Sq Ft: 10759.0
  • Zoning Description: Resid Single Family

Rental Info

  • Furnished: Negotiable

Tax Info

  • Tax Annual Amount: 2318.0
  • Tax Year: 2024

MLS Schools

  • Elementary School: Patronis
  • High School: Arnold

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Feb 13, 2025
Closed on
Apr 4, 2025
Sold by
Zeller Roseanne Marie and Dean Roseanne Marie
Bought by
Tib Properties Llc
Seller's Agent
Justin Cater LLC
EXP Realty LLC
Buyer's Agent
Non Member
NON-MEMBER OFFICE
List Price
$349,000
Sold Price
$320,000
Premium/Discount to List
-$29,000
-8.31%
Views
18
Current Estimated Value
$324,437

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$4,437
Avg. Annual Appreciation
3.18%

Purchase Details

Closed on
Jun 13, 2013
Sold by
Zeller Daniel James
Bought by
Zeller Roseanne Marie

Purchase Details

Closed on
Feb 12, 2009
Sold by
Us Bank National Association
Bought by
Zeller Daniel and Zeller Roseanne

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$111,247
Interest Rate
5.14%
Mortgage Type
FHA

Purchase Details

Closed on
Jan 14, 2009
Sold by
Terry Kenneth F
Bought by
Us Bank National Association

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$111,247
Interest Rate
5.14%
Mortgage Type
FHA

Purchase Details

Closed on
Oct 23, 2003
Sold by
Melton Robert A and Melton Dianna L
Bought by
Terry Kenneth F

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$112,106
Interest Rate
5.75%
Mortgage Type
FHA

Purchase Details

Closed on
Oct 16, 2002
Sold by
Bowman Henry L
Bought by
Terry Kenneth F and Melton Robert A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$109,186
Interest Rate
6.01%
Mortgage Type
FHA
Source: Public Records

Range of Values:

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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Tib Properties Llc $320,000 Waypoint Title Llc
Tib Properties Llc $320,000 Waypoint Title Llc
Zeller Roseanne Marie -- Attorney
Zeller Daniel $113,300 Attorney
Us Bank National Association -- None Available
Terry Kenneth F $54,700 Lawyers Title Agency Of Nort
Terry Kenneth F $110,900 Lawyers Title Agency Of N Fl
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Previous Owner Zeller Roseanne Marie $106,410
Previous Owner Zeller Daniel $111,247
Previous Owner Terry Kenneth F $218,650
Previous Owner Terry Kenneth F $190,138
Previous Owner Terry Kenneth F $42,000
Previous Owner Terry Kenneth F $10,878
Previous Owner Terry Kenneth F $112,106
Previous Owner Terry Kenneth F $109,186
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
04/04/2025 04/04/25 Sold $320,000 -3.0% $221 / Sq Ft
03/20/2025 03/20/25 Pending -- -- --
03/04/2025 03/04/25 Price Changed $329,999 -5.4% $228 / Sq Ft
02/13/2025 02/13/25 For Sale $349,000 -- $241 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $2,243 $185,365 $70,000 $115,365
2023 $2,243 $171,071 $66,500 $116,228
2022 $1,919 $155,519 $0 $0
2021 $1,749 $141,381 $0 $0
2020 $1,604 $128,528 $42,000 $86,528
2019 $985 $114,654 $33,000 $81,654
2018 $1,106 $122,897 $0 $0
2017 $1,096 $121,244 $0 $0
2016 $1,138 $122,911 $0 $0
2015 $1,191 $124,096 $0 $0
2014 $1,210 $125,682 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • J

    Seller's Agent in 2025

    Justin Cater LLC

    EXP Realty LLC

    (850) 819-7445

    6 in this area

    80 Total Sales

    Justin Cater LLC
    Section Image

  • N

    Buyer's Agent in 2025

    Non Member

    NON-MEMBER OFFICE

See All Agents

Map

Source: Central Panhandle Association of REALTORS®

MLS Number: 768742

Central Panhandle Association of REALTORS®

APN: 30167-874-000

Florida Bay County Panama City 32408 Upper Grand Lagoon

6428 Summer Oak Dr, Panama City, FL

This home is located at 6428 Summer Oak Dr, Panama City, FL 32408 since 13 February 2025 and is currently estimated at $324,437, approximately $224 per square foot. This property was built in 1986. 6428 Summer Oak Dr is a home located in Bay County with nearby schools including J.R. Arnold High School, Surfside Middle School, and Patronis Elementary School.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Central Panhandle Association of REALTORS® IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.

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