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12030 Raintree Dr, Panama City, FL 32404 — $145,400 · 2bd · ~1% rule | OnePercent

12030 Raintree Dr, Panama City, FL 32404

$145,400

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Panama City 32404·12030 Raintree Dr, Panama City, FL 32404

Confirmed 1 day ago · −14.4% since list · seller motivation 55

12030 Raintree Dr, Panama City, FL 32404

2 bd · 2 ba · 1,075 sqft · built 1984 · Panama City · TOWNHOMES·source listing ↗

$145,400

$169,900 first listed

seller intel

Price cut

−14.4%

from $169,900

Motivation score

55/100

rent, three ways

OnePercent model (vv1)

$1,485/mo

p10–p90 confidence band

HUD Fair Market Rent · 32404 · 2BR$1,600/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Bay

Flood risk indexRelatively High FEMA NRI

Median household income$74,708

Median area rent$1,399/mo

Median home value$273,500

the verdict

1.02%vs 0.9% target

Modeled rent: $1,485/morent estimate
Property tax: —listing
Insurance: $4,201/yrstate avg
HOA: $33/molisting

Cap rate: 7.4%
Cash flow: +$163/mo
Cash-on-cash: 5.8%

financing: 20% down · — (FRED, live) · 30yr

$145,400

1.02% · rent $1,485

Intrinsic value · income approach

$212,620

32% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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