1-bed condo in Panama City Beach, FL
Panama City Beach, FL 32407 · Bay County · Active
The I/O payment, line by line
- Interest-only debt service
- $1,790
- Property tax + insurance
- $641
- HOA
- None reported
- Total
- $2,431
- 30-year P&I at 6.375%
- $1,787
- 30-year PITIA
- $2,428
Taxes and insurance are this listing's actual figures ($641/mo). No HOA fee is reported for this listing, so none is included — and on a condo that usually means the fee is missing from the data rather than genuinely zero. A real fee would reduce the DSCR above, possibly below the 1.25 we screen for. On a purchase price of $358,000 (as of August 2026) with 20% down, the loan is $286,400. Rate, term and costs are the published assumptions, not a quote — your actual payment depends on your credit, reserves, entity structure and the appraisal.
Flood risk
Low modeled flood risk. Standard hazard insurance is normally enough. This is a FEMA Special Flood Hazard Area, so a federally-backed mortgage will require flood insurance.
Listing facts
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