2-bed condo in Panama City Beach, FL
Panama City Beach, FL 32408 · Bay County · Active
The I/O payment, line by line
- Interest-only debt service
- $2,395
- Property tax + insurance
- $840
- HOA
- $1
- Total
- $3,236
- 30-year P&I at 6.375%
- $2,391
- 30-year PITIA
- $3,232
Taxes, insurance and the HOA fee are this listing's actual figures ($841/mo combined), not an estimate — so this is stricter, and lower, than a ZIP-level DSCR. On a purchase price of $479,000 (as of August 2026) with 20% down, the loan is $383,200. 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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