Buyer leverage
Buyer advantage
58 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~75 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Sources: CPAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
As of September 12, 2026, 221 White Oaks Boulevard in White Oaks, Southport is listed at $875,000. That is 62% above White Oaks's median closed sale of $540,000 over the last 12 months (5 recorded sales). It has been 58 days on market, longer than the community's typical 5 days to contract. Listing facts: built in 2006. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2006 · 20 yrs
- 58 days on market
- HOA ~$50/mo (estimate; confirm)
Property timeline
This home’s history
- 2006BuiltPer public record
- Aug 4, 2026First trackedObserved at $875,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
Cost to own
Property taxes
✓ Based on certified county tax rollEstimated property taxes after purchase
$10,125/yr
≈ $844/mo·effective rate ~1.16%
Estimated from today’s asking price and current Bay County tax rates.
⚠️Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $6,450/yr ($538/mo)
+$3,675 more each year
(+57%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes🔄
Home sellsResets the January after🧾
Buyer paysBased on purchase priceAdjust for your exemptions, portability, and down payment
Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
62/100
Strongest on: Market liquidity (96), Flood safety (95)
0 limited50100 exceptional
62/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Affordability0
List price $875,000 vs the community median $540,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~75 ft elevation. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.
Market liquidity96
Community median 5 days on market (12-month record).
Pricing power46
Recent sales closed at about 98.9% of original asking (~1.1% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
Recent White Oaks sales closed near 98.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of CPAR records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in White Oaks, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
No listing description is available for this property.
Listing descriptions are screened for fair-housing and accuracy compliance before display.
Property facts & sources
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
List price$875,000
Bed / bath5 / 3
Year built2006
Property typeSingleFamilyResidence
MLS #792108
Listing status58 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~75 ft
Windstorm exposureLow
CountyBay
Area listings1 active · 0 under contract
Estimated first-year tax~$9,188/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$5,713
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$540,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of eXp Realty, LLC · Listing agent: Team Don and Bubba · 850-624-8433Provided via the Central Panhandle Association of REALTORS® Internet Data Exchange · Source: Central Panhandle Association of REALTORS® · © 2026 Central Panhandle Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Keep looking
Similar homes for sale near White Oaks
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.
$969,000
147 Lake Merial Shores Drive, Panama City, FL 32409, Panama City
6 bd / 4 ba
Comparable price
Courtesy of ERA Neubauer Real Estate, Inc →
$678,000
126 Lake Merial Boulevard, Southport, FL 32409, Southport
5 bd / 3 ba
Nearby
Courtesy of Superior Of Florida, LLC. →
$635,000
12815 Merial Pass, Panama City, FL 32409, Panama City
5 bd / 4 ba
Nearby
Courtesy of ERA Neubauer Real Estate, Inc →
$545,000
207 Lake Merial Boulevard, Panama City, FL 32409, Panama City
4 bd / 3 ba
Nearby
Courtesy of Gulf Life Real Estate Inc →
$508,990
208 Lake Merial Blvd, Panama City, FL 32409, Panama City
4 bd / 3 ba
Nearby
Courtesy of Holiday Builders of the Gulf Coast →
$504,013
229 Lake Merial Boulevard 52, Panama City, FL 32409, Panama City
4 bd / 3 ba
Nearby
Courtesy of Holiday Builders of the Gulf Coast →
$478,990
213 Lake Merial Blvd, Panama City, FL 32409, Panama City
4 bd / 3 ba
Nearby
Courtesy of Holiday Builders of the Gulf Coast →
$499,990
227 Lake Merial Boulevard 51, Panama City, FL 32409, Panama City
3 bd / 3 ba
Nearby
Courtesy of Holiday Builders of the Gulf Coast →
Transparency
Price & listing history
Listed for $875,000Momentum Realty · on market 58 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$9,188/yr
A rough first-year estimate only, applying a typical Bay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$3k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~75 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 221 White Oaks Boulevard?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by eXp Realty, LLC · MLS # 792108
Market data · public records
Recent sales activity in White Oaks
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the White Oaks neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$540,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$0
Canonical 12-month median $/sq ft. Reference only.
Go deeper on White Oaks
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
In the area
Recent White Oaks Bay news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
Why it matters: A temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The site is less than a mile west of White Oaks Bay.
WJHG News Channel 7
Jul 2026 · Parks Amenities
Panama City Beach approves $1.25 million to rehabilitate Conservation Park boardwalks
The Panama City Beach city council approved a budget of $1.25 million to rehabilitate more than one mile of boardwalks at Conservation Park. The funding covers rehabilitation of the park's boardwalk system.
Why it matters: Investment in Conservation Park boardwalks upgrades a recreational amenity in Panama City Beach. The project is about 18 miles northwest of White Oaks Bay, elsewhere in Bay County.
WJHG News Channel 7
Jun 2026 · Retail Dining
New retailers open at Watersound Town Center as construction continues
Watersound Town Center in the Panama City Beach area reported new store openings including FP Movement, Hemline, Monkee's, and Sunset Shoes and Lifestyles, with Johnnie-O expected later in the summer. St. Joe said two additional buildings are planned to break ground this year at the center.
Why it matters: Growing retail and dining space plus additional buildings expand the commercial center along the State Road 79 corridor. The project is about 24 miles northwest of White Oaks Bay, elsewhere in Bay County.
The St. Joe Company
Jun 2026 · Infrastructure
Panama City moves downtown marina slip construction to bid, ends City Marina Partners deal
Panama City put the first 50 boat slips at the Downtown Marina out for contractor bids, with construction expected to begin shortly after a contract is awarded and the bid window closing June 16. Commissioners also ended their working relationship with City Marina Partners and budgeted payment for work already completed.
Why it matters: Progress on downtown marina slip construction advances waterfront infrastructure in the Panama City core. The site is less than a mile southwest of White Oaks Bay.
WJHG News Channel 7
Assigned schools
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.
School zoningThis address is in the Bay County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
See schools in the White Oaks guide → · Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$4,010 – $5,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,820 – −$179At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 221 White Oaks Boulevard, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2006 (20 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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 $9,188/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Provenance
Data sources & freshness
| Listing record | CPAR, refreshed twice daily (last: September 12, 2026) |
| Community market stats | CPAR closed sales, as of September 12, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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.
Answered before you ask
Frequently asked questions
How big is 221 White Oaks Boulevard and when was it built?
Per the listing record, 221 White Oaks Boulevard was built in 2006 and has 5 bedrooms and 3 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 221 White Oaks Boulevard in?
221 White Oaks Boulevard is in White Oaks in Southport, Bay County. The community section on this page shows recent closed sales, days on market, and active inventory for White Oaks from the same MLS data.
Why might property taxes on 221 White Oaks Boulevard differ from the current owner's?
The estimate on this page (about $9,188 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 221 White Oaks Boulevard in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.
