14822 Bream Pond Road, Panama City, FL 32409
14822 Bream Pond Road in Bream Pond, Panama City is listed at $699,900. It has been listed Sep 22, 2026. Listing facts: new construction. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- New construction — built 2026
- listed Sep 22, 2026
About this home
PRICE IMPROVEMENT! New price of $699,900! NEW CONSTRUCTION CUSTOM-BUILT PROPERTY!
Pool-ready backyard with electrical pre-wiring already in place, providing an excellent opportunity for you to custom design your future pool! Step into this stunning 2026 custom-built home, perfectly situated on a serene 1.14-acre lot in the sought-after Bream Pond community of Panama City, featuring underground utilities. Designed for modern living with timeless elegance, this 3-bedroom, 3.5-bath residence offers an open, flowing layout with exceptional attention to detail.
The home welcomes you with striking iron French double doors, leading into a light-filled living space with beautiful views of the lanai and outdoor living area for your future pool and outdoor grill! At the heart of the home is a gourmet kitchen featuring high-end KitchenAid appliances, including a French door refrigerator, microwave/oven combination, gas cooktop, and an industrial-grade range hood. The spacious design makes it perfect for cooking, gathering and entertaining.
Sunlight fills the expansive main living areas, creating a warm and inviting atmosphere throughout. Each bedroom is generously sized, including a luxurious primary suite with spa-like features. The primary bath offers dual custom closets, dual vanities with a center seating space, and a convenient connecting door to the custom laundry room.
Enjoy the privacy and tranquility of over an acre of land--ideal for outdoor living, entertaining, or simply relaxing. The outdoor space includes two gas stub-outs for a future grill or fireplace, as well as a large storage room designed to accommodate future pool equipment. Existing pool equipment is already in place for a future pool installation.
Additional features include 8-foot arched doorways, bullnose-edge quartz countertops throughout, neutral LVP flooring, and thoughtfully selected finishes that create a cohesive and stylish design. Key Features: 3 bedrooms | 3.5 bathrooms 2,690 sq ft living | 4,144 total under roof Built in 2026 with high-quality, modern finishes 1.14-acre homesite, open-concept layout with gourmet kitchen,Luxurious primary suite with spa-inspired bath, located in Bream Pond, Bay County North! Conveniently located just 18 miles to the international airport, 25 minutes to medical facilities near Hwy 79, and approximately 35 minutes to Pier Park for shopping, dining, and beach access.
Scenic 30A destinations including Rosemary Beach, Seaside, and Alys Beach are just a 45-minute drive away. This property is situated near future development expected to bring additional residential growth, amenities, and conveniences to the surrounding area. Buyer to independently verify all development plans, timelines, and details with the appropriate governmental authorities.
Experience the perfect blend of privacy, comfort, and modern luxury! This new construction home is ready to welcome you. *DISCLOSURE- ONE AI IMAGE UPLOADED TO SHOW FUTURE POOL/OUTDOOR/LANDSCAPING OPTIONS.
*No active HOA or board. Property may be subject to recorded covenants, conditions, and restrictions. Seller and listing agent make no representations regarding permitted use.
Buyer to perform all due diligence regarding restrictions, zoning, utilities, and intended use.
All 47 photos
Description provided by Gillman Group Realty and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Bream Pond. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $3,793/mo 83%
- Taxes $612/mo 13%
- Insurance $184/mo 4%
$4,589/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Bay County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Bay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2026BuiltPer public record
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
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Listed by Gillman Group Realty · MLS # 794333
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Similar homes for sale near Bream Pond
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Bream Pond
- 7526 Linda Lane, Panama City, FL 32404 · $249,000 · 3 bd / 2 ba · listed November 10, 2026 (courtesy of Coldwell Banker Realty)
- 12539 Silver Lake Road, Fountain, FL 32438 · $112,000 · 2 bd / 2 ba · listed November 7, 2026 (courtesy of Keller Williams Success Realty)
- 831 Plantation Way, Panama City, FL 32404 · $399,900 · 4 bd / 3 ba · listed November 5, 2026 (courtesy of eXp Realty LLC)
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Bay County
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Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Bay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
What homes sell for in 32409 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 14822 Bream Pond Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Bay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $7,349/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | CPAR, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 14822 Bream Pond Road and when was it built?
Per the listing record, 14822 Bream Pond Road was built in 2026 and has 3 bedrooms and 4 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 14822 Bream Pond Road in?
14822 Bream Pond Road is in Bream Pond in Panama City, Bay County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 14822 Bream Pond Road differ from the current owner's?
The estimate on this page (about $7,349 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 14822 Bream Pond Road in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 14822 Bream Pond Road in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Central Panhandle Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Central Panhandle Association of REALTORS®. © 2026 Central Panhandle Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.