132 Central Ave, Panama City, FL 32401

3 bd · 2 ba · 1,216 sqft · built 2009 · Panama City · MOBILE·source listing ↗

$75,000

rent, three ways

OnePercent model (vv1)$1,239/mo

p10–p90 confidence band

HUD Fair Market Rent · 32401 · 3BR$1,930/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Bay

Flood risk indexVery High FEMA NRI

Median household income$52,523

Median area rent$1,152/mo

Median home value$230,500

the verdict

1.65%vs 1.2% target

wide confidence band

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

$75,000

1.65% · rent $1,239

Intrinsic value · income approach

$182,383

59% 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.