product

markets

method

209 Coquina Shell Way, Panama City Beach, FL 32407 — $249,000 · 3bd · ~0.9% rule | OnePercent

209 Coquina Shell Way, Panama City Beach, FL 32407

$249,000

Home·Panama City Beach 32407·209 Coquina Shell Way, Panama City Beach, FL 32407

Unconfirmed for 9 days — may no longer be available

209 Coquina Shell Way, Panama City Beach, FL 32407

3 bd · 2 ba · 1,197 sqft · built 2002 · Panama City Beach · SINGLE_FAMILY·source listing ↗

$249,000

rent, three ways

OnePercent model (vv1)$2,202/mo

p10–p90 confidence band

HUD Fair Market Rent · 32407 · 3BR$2,890/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Bay

Flood risk indexRelatively High FEMA NRI

Median household income$80,831

Median area rent$1,840/mo

Median home value$404,200

the verdict

0.88%vs 1.0% target

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

$249,000

0.88% · rent $2,202

Intrinsic value · income approach

$374,155

33% 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.