7801 Ponderosa Street, Panama City, FL 32409 - Bay County

This house comes with a REDUCED RATE as low as 4.99% (APR 5.431%) as of 11/13/2025 through List & Lock(TM). This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment. Terms apply, see disclosures for more information. Brand-new 3-bedroom, 2-bath home with 2-car garage on a quiet dead-end street - no HOA fees! This thoughtfully designed home features an open layout, trey ceilings in the living room and master suite, and a beautiful tile shower in the primary bath. Enjoy both front and back covered patios, perfect for outdoor living. Conveniently located near shopping, dining, and just a short drive to the beaches. Home is currently under construction - secure it now and make it yours!

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