Front elevation4728 Firefly Lane, Panama City, FL 32404
Sources: CPAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 30, 2026, 4728 Firefly Lane in Titus Park, Panama City is listed at $405,000. That is 16% above Titus Park's median closed sale of $349,900 over the last 12 months (86 recorded sales). It came to market within the past week. Listing facts: built in 2022, HOA dues of $50/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2022 · 4 yrs
- Active listing
- HOA $50/mo (per listing)
This home’s history
- 2022BuiltPer public record
- Sep 30, 2026First seen on movewithmomentum.comObserved at $405,000
- 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.
Estimated monthly payment
- Principal & interest $2,162/mo 81%
- Taxes $354/mo 13%
- Insurance $118/mo 4%
- HOA $50/mo 2%
$2,684/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
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.
Momentum Property Score
45/100 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.
Coverage: 3 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
31% of homes in Titus Park are owner-occupied. An estimated 69% are non-owner-occupied, including 51% held in a company or trust and 2% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 172 homes matched. Community-level context.
Recent Titus Park sales closed near 97.4% 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 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 32 active listings in Titus Park, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Listing descriptions are screened for fair-housing and accuracy compliance before display.
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
Similar homes for sale near Titus Park
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 Titus Park
- 5222 Hastings Drive, Panama City, FL 32404 · $349,900 · 4 bd / 2 ba · listed September 30, 2026 (courtesy of DR Horton Realty of Emerald Coast, LLC)
- 4805 Windrow Way, Panama City, FL 32404 · $435,000 · 4 bd / 3 ba · listed September 18, 2026 (courtesy of Home Prime Realty)
- 4833 Windrow Way, Panama City, FL 32404 · $439,900 · 4 bd / 3 ba · listed September 11, 2026 (courtesy of DR Horton Realty of Emerald Coast, LLC)
- 4849 Windrow Way, Panama City, FL 32404 · $414,900 · 4 bd / 3 ba · listed September 11, 2026 (courtesy of DR Horton Realty of Emerald Coast, LLC)
- 4829 Windrow Way, Panama City, FL 32404 · $414,900 · 4 bd / 3 ba · listed September 11, 2026 (courtesy of DR Horton Realty of Emerald Coast, LLC)
- 5214 Hastings Drive, Panama City, FL 32404 · $389,900 · 5 bd / 3 ba · listed September 11, 2026 (courtesy of DR Horton Realty of Emerald Coast, LLC)
Recently off market in Titus Park
- 5206 Hastings Drive · last listed $459,900 · 2026-09-25
- 5194 Hastings Drive · last listed $389,900 · 2026-09-25
- 5182 Hastings Drive · last listed $399,900 · 2026-09-25
- 4900 Rosemary Street · last listed $309,900 · 2026-09-25
- 4865 Windrow Way · last listed $409,900 · 2026-09-25
- 5202 Hastings Drive · last listed $349,900 · 2026-09-16
Price & listing history
Building permits
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.
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.
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Listed by People 1st Real Estate, LLC · MLS # 796042
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More on Titus Park
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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.
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.
See schools in the Titus Park guide → · Browse school-zone pages →
Comparable recent sales
No closed sales of a similar home within about 10 miles in Bay County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Titus Park. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Buyer research checklist
Items worth confirming for 4728 Firefly Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $50/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- 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 $4,252/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.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Data sources & freshness
| Listing record | CPAR, refreshed twice daily (last: September 30, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Bay County — 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 4728 Firefly Lane and when was it built?
Per the listing record, 4728 Firefly Lane was built in 2022 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 4728 Firefly Lane in?
4728 Firefly Lane is in Titus Park 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.
Does 4728 Firefly Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $50 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4728 Firefly Lane differ from the current owner's?
The estimate on this page (about $4,252 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 4728 Firefly Lane 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 4728 Firefly Lane in person
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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.
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.
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. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.