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Single Family ResidenceResidential
$321,242$199 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $320,000 on Apr 29, 2026

6909 ROSS DR

PANAMA CITY, FL 32404
4
Beds
2
Baths
1,616 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$321K
$298K low$344K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$320,000 · Apr 29, 2026
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$321,242
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$256,994

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,965 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$215,742 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$41,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$174,042
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$210,575
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$215,742

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.59%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBAY
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2019
Lot (acres)The size of the land the home sits on, from county records.0.23
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 168 ft²Porch · 44 ft²

Transaction History(10)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Tyndall AcademyA
Elementary · Grades PK–8 · 3.4 mi
H
Rutherford High SchoolD-
High · Grades 6–12 · 4.0 mi

District: Bay County School District

Neighborhood · ZIP 32404These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.76
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.43,338
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.156 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,101
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,878
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.65 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

6909 Ross Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Panama City 32404
  • Costs more per square foot than 85% of homes in Panama City 32404

What homes are worth in Panama City 32404

Each bar is how many homes fall in that price range. The marker is this home.

This home
$113K$606K

This home is worth more than 71% of homes in Panama City 32404.

How it measures up in Panama City 32404

The dot is this home. The mark in the middle is the typical home in Panama City 32404.

Estimated value$321,242
CheaperTypical $272,837Pricier

Pricier than 71% of homes nearby

Price per ft²$199
CheaperTypical $163Pricier

Pricier than 85% of homes nearby

Living area1,616 ft²
SmallerTypical 1,620 ft²Bigger

Bigger than 49% of homes nearby

Lot size0.23 ac
SmallerTypical 0.26 acBigger

Bigger than 42% of homes nearby

Year built1994
OlderTypical 1994Newer

Newer than 50% of homes nearby

How 6909 Ross Dr ranks against every home in each area.
MeasureThis homePanama City 32404Bay County
Estimated valuepricier than$321,24271% of homes45% of homes
Price per ft²pricier than$19985% of homes43% of homes
Living areabigger than1,616 ft²49% of homes61% of homes
Lot sizebigger than0.23 ac42% of homes51% of homes
Year builtnewer than199450% of homes51% of homes

About 6909 Ross Dr

How much is 6909 Ross Dr, Panama City, FL worth?

The TopHap Estimate for 6909 Ross Dr, Panama City, FL is $321,242 as of Jul 14, 2026. The likely range is $298,079 to $344,405. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 6909 Ross Dr, Panama City, FL last sell?

6909 Ross Dr, Panama City, FL last sold on Apr 29, 2026 for $320,000, according to the county's recorded deed. TopHap holds 10 recorded sales for this parcel.

How big is 6909 Ross Dr, Panama City, FL?

6909 Ross Dr, Panama City, FL has 4 bedrooms, 2 bathrooms, 1,616 square feet of living space and a 0.23-acre lot.

When was 6909 Ross Dr, Panama City, FL built?

6909 Ross Dr, Panama City, FL was built in 1994, making it 32 years old. The building has 1 story.

What schools serve 6909 Ross Dr, Panama City, FL?

6909 Ross Dr, Panama City, FL is assigned to Tyndall Academy (elementary), rated A; Rutherford High School (high), rated D-. All sit in Bay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 6909 Ross Dr, Panama City, FL compare to other homes in Panama City 32404?

Among the 16,096 homes in Panama City 32404, it is worth more than 71% of them ($321,242 against a typical $272,837), its price per square foot is higher than 85% of them ($199 against a typical $163), it is bigger than 49% of them (1,616 ft² against a typical 1,620 ft²), its lot is bigger than 42% of them (0.23 ac against a typical 0.26 ac) and it is newer than 50% of them (1994 against a typical 1994). Measured against all of Bay County, it is worth more than 45% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 6909 Ross Dr, Panama City, FL?

The 2024 property tax bill for 6909 Ross Dr, Panama City, FL was $2,965. The county assessed it at $215,742.

More homes on Ross Dr

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Assigned schools

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