5-Bedroom SingleFamilyResidence in Preserve On The Bay Ph I
3714 Preserve Bay Boulevard, Panama City, FL 32408
SingleFamilyResidence in Preserve On The Bay Ph I, Panama City · No CDD
Preserve On The Bay Ph I · Panama City, FL 32408 · Bay
Listing data updated September 12, 2026 · refreshed twice daily
5Bedrooms
5Bathrooms
1997Year Built
No CDD5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
Buyer leverage
Seller-leaning
7 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~7 ft elevation
$9k–$18k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 3714 Preserve Bay Boulevard in Preserve On The Bay Ph I, Panama City is listed at $2,274,000. That is 314% above Preserve On The Bay Ph I's median closed sale of $549,000 over the last 12 months (5 recorded sales). It came to market within the past week. Listing facts: built in 1997. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1997 · 29 yrs
New to market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Preserve On The Bay
Pricing & the Preserve On The Bay market
How this home is priced against recent nearby sales, and where Preserve On The Bay has been over 25 years. Momentum Research analysis of CPAR MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 18 (cold).
Property timeline
This home’s history
1997BuiltPer public record
Aug 17, 2026First trackedObserved at $2,274,000
NowUnder contractCurrently pending
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
$14,910/mo
Principal & interest $11,811/mo79%
Taxes $1,990/mo13%
Insurance $1,059/mo7%
HOA $50/mo0%
$14,910/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
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 $9,775/yr ($815/mo)
+$17,525 more each year
(+179%)
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 price
$715,882
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
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
43/100
Strongest on: Market timing (82), Pricing power (80)
0 limited50100 exceptional
43/100 is below average 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 $2,274,000 vs the community median $549,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~7 ft elevation. Verify the parcel with FEMA.
Insurance cost32
From FEMA Zone AE and a 1997 build. Obtain a property-specific quote.
Market liquidity20
Community median 124 days on market (12-month record).
Pricing power80
Recent sales closed at about 92.0% of original asking (~8.0% below). More room below asking generally favors buyers.
Market timing82
Momentum Market Heat is 18/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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 Preserve On The Bay sales closed near 92.0% 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 3 active listings in Preserve On The Bay, no CDD assessment.
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$2,274,000
Bed / bath5 / 5
Year built1997
Property typeSingleFamilyResidence
MLS #793825
Listing statusNew — 7 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~7 ft
Windstorm exposureLow
CountyBay
Area listings3 active · 2 under contract
Estimated first-year tax~$23,877/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$14,910
Insurance (illustrative)$9k–$18k/yr
Comparable-sales median$549,000
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
Similar homes for sale near Preserve On The Bay Ph I
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.
Listed for $2,274,000Momentum Realty · on market 7 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.)
~$23,877/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)
$9k–$18k/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 zone AE — confirm flood coverage. 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 AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~7 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 3714 Preserve Bay 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 CENTURY 21 Ryan Realty Inc · MLS # 793825
Request a showing
Market data · public records
Recent sales activity in Preserve On The Bay Ph I
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 Preserve On The Bay Ph I neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$549,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$0
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Preserve On The Bay Ph I
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.
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 east of Preserve On The Bay.
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 17 miles northwest of Preserve On The Bay, elsewhere in Bay County.
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 Preserve On The Bay, elsewhere in Bay County.
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 southeast of Preserve On The Bay.
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.
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$10,422 – $15,160/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$4,792 – −$528At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 3714 Preserve Bay Boulevard, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1997 (29 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 AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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 $23,877/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.
City
Panama City
Groceries, dining, and parks for this city — see the city guide.
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 3714 Preserve Bay Boulevard and when was it built?
Per the listing record, 3714 Preserve Bay Boulevard was built in 1997 and has 5 bedrooms and 5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3714 Preserve Bay Boulevard in?
3714 Preserve Bay Boulevard is in Preserve On The Bay Ph I in Panama City, Bay County. The community section on this page shows recent closed sales, days on market, and active inventory for Preserve On The Bay Ph I from the same MLS data.
Why might property taxes on 3714 Preserve Bay Boulevard differ from the current owner's?
The estimate on this page (about $23,877 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 3714 Preserve Bay Boulevard in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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.
Ready when you are
See 3714 Preserve Bay Boulevard in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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 a typical county millage rate to the list price 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.
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 and we will review and correct or remove it promptly.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
