$362,000

268 Ryder Lane, Panama City, FL 32404

4 beds |
2 baths |
1,867 sqft

Single-Family Home
Built in 2022
6,970sqft lot
2 car garage
$194/sqft
Listed 24 days ago

Property Description

RARE OPPORTUNITY! Assumable VA Loan at a 3.75% Interest Rate--save over $600/month compared to today's rates! This 2022-built 'Cali' model is priced at $362,000 with a manageable equity gap of approx. $26k. Pristine condition, smart home tech, and located in the sought-after Bridge Harbor community near Tyndall AFB. VA-eligible buyers with entitlement substitution preferred. Don't miss this chance to lock in 2022's best rate in 2026!Don't build new at 6% when you can move in here at 3.75%! The Cali plan features four bedrooms with one that can be used as a den or office. The kitchen is open and spacious with a center island and includes a pantry, beautifully bright white cabinetry. Bedroom 1 features a private bath with a separate shower and a large soak tub, as well as a spacious walk-in closet. This beautiful home has been constructed with a reinforced concrete foundation with wire mesh and rebar, house wrap barrier and four-sided vinyl. Offering a fenced backyard with pond views and no neighboring homes directly behind! Enjoy the community sidewalks, 100 year old Oak Tree park, resort style pool and access to the beautiful beach area with views of the bay! Schedule an appointment today!! Bridge Harbor is located in eastern Bay County just off of Boat Race Road. Living here would you mean that you are approximately 5 minutes to Tyndall Air Force Base and close to numerous shopping and dining establishments. And the Gulf of America is less than 30 minutes away. If you're looking for the perfect community, you've found it!

Listing Status:: Active
Date Added:: March 9, 2026
Data Last Updated:: April 2, 2026 at 11:18PM
Listing Office:: Realty One Group Emerald Coast : 850-238-8338
MLS ID:: 786515

General: Smart Home
Appliances: Electric CooktopElectric OvenPlumbed For Ice Maker
Flooring: Luxury Vinyl Plank
A/C: Central Air
Heating: Central
Disability Feature: Central Living AreaSmart Technology

Style: Craftsman
Other Structures: PorchPatioCovered
Pool: Community
Parking: GarageGarage Door OpenerPaved

General: Vinyl SidingSlab

Road/Access: City Street
Originating MLS: CPAR_CPAR
County: Bay

Zoning: DUNES AT BRIDGE HARBOR LOT 99 ORB 4557 P 232707379-925-495
Fencing: Fenced

Utilities: Cable Connected
Sewer: Public Sewer

Source: CPAR_CPAR

This listing courtesy of Realty One Group Emerald Coast

Monthly Payment

$Est. Payment

Principal & Interest $
Property Taxes $
Home Insurance $
VA Funding Fee $

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Location

Schools Nearby

Callaway Elementary School

7115 E Highway 22, Panama City, FL, 32404

Grades KG-5

1.77 miles away

Margaret K. Lewis in Millville

203 N East Ave, Panama City, FL, 32401

Grades PK-12

3.45 miles away

Rutherford High School

1000 School Ave, Panama City, FL, 32401

Grades 6-12

3.66 miles away

Disclaimer: School and School District information courtesy of the National Center for Education Statistics (NCES). School boundaries may change. Proximity to listed schools does not guarantee enrollment eligibility. Contact the school district for more information and exact boundaries.