268 Ryder Lane, Panama City, FL 32404 (MLS# 786515)

Homestead: Yes

HOA Fee: Yes

HOA Amount: 284.85

HOA Frequency: Quarterly

HOA Annual Amount: 1139.4

New Buyer Fee: No

Last Taxes: 3311

Last Tax Year: 2025

Brokerage Interest: No Interest

List Price/SqFt: 188.54

Status: Pending

List Date: 2026-03-09

List Price: $352,000

Current Price: $352,000

Sub Area: 0202 - Bay - Central SE

Community/Resort: None

Waterfront: No

Elementary School: Callaway

Middle School: Rutherford Middle

High School: Rutherford

Directions: From Hwy 98 going East, continue down N Tyndall Pkwy then turn left onto Boat Race Rd followed by a right onto Bridge Harbor Dr. Continue to Eagle Lake Way.

Area: 02 - Bay County - Central

Street #: 268

Street Name: Ryder

Street Suffix: Lane

State: FL

Zip Code: 32404

County: Bay

Subdivision: Bridge Harbor

Parcel ID: 07379-925-495

Legal Description: DUNES AT BRIDGE HARBOR LOT 99 ORB 4557 P 2327

Acreage: 0.16

Design: Craftsman Style

Lot Size (SqFt): 6970

Apx SqFt(Htd/Cooled): 1867

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 50*140

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 4

Full Baths: 2

Total Baths: 2

Year Built: 2022

Remarks: 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!

Cooktop - Electric: 1

Dishwasher: 1

Disposal: 1

Microwave: 1

Oven - Electric: 1

Plumbed For Ice Maker: 1

Floor - Vinyl Plank: 1

Kitchen Island: 1

Lighting - Recessed: 1

Pantry: 1

Foundation - Slab on Grade: 1

Siding - Vinyl: 1

Fenced Back Yard: 1

Patio Covered: 1

Porch Covered: 1

Management: 1

Assume w/int: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Unfurnished: 1

Smart Home: 1

First: 1

First: 1

Dedicated Beach: 1

Landscaped: 1

Near Beach Access: 1

Sidewalk: 1

Survey Available: 1

City Street: 1

Paved Road: 1

Driveway: 1

Garage Door Opener: 1

Paved: 1

MBath Garden Tub: 1

MBath Separate Shwr: 1

MBed Walk-in Closet: 1

Resid Single Family: 1

Beach: 1

Pool: 1

Bedroom: 1

Full Bathroom: 1

Kitchen: 1

Living Room: 1

ShowingTime: 1

TV Cable: 1

Electricity - Connected: 1

Garbage: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Central Living Area: 1

Smart Technology: 1

First: 1

First: 1

Central Air: 1

Central: 1

Smoke Detector(s): 1

Under Contract Date: 2026-04-13