4910 Christy Lane
Panama City, FL 32404
MLS# 791520
3 beds | 3 baths | 2446 sqft
Property Description5.625% ASSUMABLE MORTGAGE AVAILABLE, subject to lender/servicer approval and buyer qualification--an opportunity for an eligible buyer to potentially save significantly on interest compared with obtaining a new loan at prevailing market rates.
Welcome to 4910 Christy Lane, where quality craftsmanship, comfort, and exceptional outdoor living come together. This beautifully maintained two-story brick home features soaring 10-foot ceilings, extensive crown molding, granite countertops, rich cherry cabinetry, and a stunning double-sided natural gas fireplace that creates a warm and inviting atmosphere throughout the main living areas.
The spacious primary suite offers a private retreat with its own balcony, dual vanities, a sunken soaking tub, and a walk-in tiled shower. Upstairs laundry adds everyday convenience.
Step outside to your own private backyard oasis, designed for both entertaining and relaxation. Enjoy the sparkling pool, fully equipped outdoor kitchen, paver patio, and mature landscaping providing remarkable privacy year-round.
Additional highlights include a paver driveway, quality impact-resistant windows, sprinkler system, security system, and meticulous maintenance throughout.
Conveniently located just minutes from Tyndall Air Force Base, shopping, dining, schools, and medical facilities. From relaxing poolside to entertaining family and friends, this exceptional home offers an impressive combination of indoor comfort, outdoor living, and a potentially valuable financing opportunity.
Schedule your private showing today and ask for details about the assumable 5.625% mortgage.
Acreage: 0.17
Design: Contemporary
Lot Size (SqFt): 7405
Apx SqFt(Htd/Cooled): 2446
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: An Appraiser
Half Baths: 1
# of Stories in Building: 2
Accessory Dwelling Unit: No
Lot Dimensions: 69'x83'x46'x35'x121
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Pool: Yes
Pool Type: Private
Sub-Type: Detached Single Family
Bedrooms: 3
Full Baths: 2
Total Baths: 3
List Price/SqFt: 188.06
Status: Active
List Date: 2026-06-04
List Price: $460,000
Sub Area: 0201 - Bay - Central NE
Community/Resort: None
Waterfront: No
Elementary School: Tommy Smith
Middle School: Merritt Brown
High School: Bay
Directions: North on Hwy 231, pass Hwy 390, turn right on Cherokee Heights Rd, left on Merritt Brown Rd, Cedar Branch subdivision on the right -- turn right onto Barrett Way, then first left onto Christy Lane.
Area: 02 - Bay County - Central
Street #: 4910
Street Name: Christy
Street Suffix: Lane
State: FL
Zip Code: 32404
County: Bay
Subdivision: Cedar Branch
Parcel ID: 05840-200-013
Legal Description: CEDAR BRANCH LOT 13 ORB 4619 P 2234
HOA Fee: Yes
HOA Amount: 360
HOA Frequency: Annually
HOA Annual Amount: 360
New Buyer Fee: No
Last Tax Year: 2025
Brokerage Interest: No Interest
Remarks: 5.625% ASSUMABLE MORTGAGE AVAILABLE, subject to lender/servicer approval and buyer qualification--an opportunity for an eligible buyer to potentially save significantly on interest compared with obtaining a new loan at prevailing market rates.
Welcome to 4910 Christy Lane, where quality craftsmanship, comfort, and exceptional outdoor living come together. This beautifully maintained two-story brick home features soaring 10-foot ceilings, extensive crown molding, granite countertops, rich cherry cabinetry, and a stunning double-sided natural gas fireplace that creates a warm and inviting atmosphere throughout the main living areas.
The spacious primary suite offers a private retreat with its own balcony, dual vanities, a sunken soaking tub, and a walk-in tiled shower. Upstairs laundry adds everyday convenience.
Step outside to your own private backyard oasis, designed for both entertaining and relaxation. Enjoy the sparkling pool, fully equipped outdoor kitchen, paver patio, and mature landscaping providing remarkable privacy year-round.
Additional highlights include a paver driveway, quality impact-resistant windows, sprinkler system, security system, and meticulous maintenance throughout.
Conveniently located just minutes from Tyndall Air Force Base, shopping, dining, schools, and medical facilities. From relaxing poolside to entertaining family and friends, this exceptional home offers an impressive combination of indoor comfort, outdoor living, and a potentially valuable financing opportunity.
Schedule your private showing today and ask for details about the assumable 5.625% mortgage.
Inground: 1
Pool/Spa Combo: 1
Cooktop - Electric: 1
Dishwasher: 1
Microwave: 1
Oven - Electric: 1
Range Hood: 1
Refrigerator: 1
Washer: 1
Water Heater - Electric: 1
Ceiling - Crwn Molding: 1
Ceiling - Raised: 1
Floor - Tile: 1
Kitchen Island: 1
Brick: 1
Foundation - Slab on Grade: 1
Wood/Frame: 1
Roof - Dimensional Shg: 1
Balcony: 1
Built-in Barbecue/Grill: 1
Fenced Lot-All: 1
Fenced Privacy: 1
Fireplace: 1
Summer Kitchen: 1
Patio Open: 1
Sprinkler System: 1
Garage Attached: 1
Paver Block: 1
Full Bathroom: 1
Half Bathroom: 1
Living Room: 1
Primary Bathroom: 1
Electricity - Connected: 1
Garbage: 1
Natural Gas - Available: 1
Public Sewer - Connected: 1
Ceiling Fan(s): 1
Central Air: 1
Fireplace - Gas: 1
Natural Gas: 1
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBath Tub - Soaking: 1
MBath Walk-In Closet: 1
Appliances: Cooktop - Electric; Dishwasher; Dryer; Ice Maker; Microwave; Oven - Electric; Range Hood; Refrigerator; Washer; Water Heater - Electric
Cooling: Ceiling Fan(s); Central Air
Heating: Central; Electric; Fireplace - Gas; Natural Gas
Exterior: Balcony; Built-in Barbecue/Grill; Fenced Lot-All; Fenced Privacy; Fireplace; Summer Kitchen; Patio Open; Sprinkler System
Association Fees Include: Legal
Financing: Cash; Conventional; FHA; VA
Pool Features: Inground; Pool/Spa Combo
Parking Features: Garage Attached; Paver Block
Rooms: Bedroom; Dining Room; Family Room; Foyer; Full Bathroom; Half Bathroom; Kitchen; Laundry; Living Room; Primary Bathroom; Primary Bedroom
Utilities: Electricity - Connected; Garbage; Natural Gas - Available; Public Sewer - Connected; Underground Utilities
Present Zoning: Resid Single Family
| Room Name | Level | Dimensions | Length | Width |
| Family Room | First | 21 x 15 | 21.00 | 15.00 |
| Living Room | First | 12 x 23 | 12.00 | 23.00 |
| Kitchen | First | 10 x 15 | 10.00 | 15.00 |
| Dining Room | First | 7 x 15 | 7.00 | 15.00 |
| Foyer | First | 3 x 19 | 3.00 | 19.00 |
| Half Bathroom | First | 2 x 7 | 2.00 | 7.00 |
| Primary Bedroom | Second | 17 x 14 | 17.00 | 14.00 |
| Primary Bathroom | Second | 18 x 8 | 18.00 | 8.00 |
| Bedroom | Second | 18 x 13 | 18.00 | 13.00 |
| Bedroom | Second | 15 x 13 | 15.00 | 13.00 |
| Full Bathroom | Second | 6 x 8 | 6.00 | 8.00 |
| Laundry | Second | 5 x 5 | 5.00 | 5.00 |
Listing Office: Keller Williams Success Realty
Last Updated: September - 29 - 2026
Information deemed reliable but not guaranteed.