7340 Penny Rd, Panama City, FL 32404

3 bd · 2 ba · 1,056 sqft · built 2001 · Panama City · MOBILE·source listing ↗

$115,000

rent, three ways

OnePercent model (vv1)$1,546/mo

p10–p90 confidence band

HUD Fair Market Rent · 32404 · 3BR$2,060/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$74,708

Median area rent$1,399/mo

Median home value$273,500

the verdict

1.34%vs 1.2% target

wide confidence band

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

$115,000

1.34% · rent $1,546

Intrinsic value · income approach

$221,363

48% 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.