65 days on market (MLS)Attached▼ Price cut: $20,000 (8/20)
$309,000
2-Bedroom Attached in Holiday Beach Unit 4
6404 Thomas Drive 6DR, Panama City, FL 32408
Attached in Holiday Beach Unit 4, Panama City · No CDD on record
Holiday Beach Unit 4 · Panama City, FL 32408 · Bay County
Listing data updated October 3, 2026 · refreshed twice daily
2Bedrooms
3Bathrooms
1982Year Built
No CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Balanced market
65 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~14 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 3, 2026, 6404 Thomas Drive 6DR in Holiday Beach Unit 4, Panama City is listed at $309,000. That is 36% below Holiday Beach Unit 4's median closed sale of $485,000 over the last 12 months (51 recorded sales). It has been 65 days on market. Listing facts: built in 1982, HOA dues of $300/mo. 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 1982 · 44 yrs
65 days on market
HOA $300/mo (per listing)
Listing description
About this home
No listing description is available for this property.
All 45 photos
Listing descriptions are screened for fair-housing and accuracy compliance before display.
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$309,000
Bed / bath2 / 3
Year built1982
Property typeAttached
MLS #791346
Listing status65 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~14 ft
CountyBay
Area listings24 active · 10 under contract
Estimated first-year tax~$3,175/yr
CDD assessmentNone on record
HOA$300/mo
Calculated estimates
Estimated monthly payment$2,424
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$485,000
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
Financing
Estimated monthly payment
$2,424/mo
Principal & interest $1,691/mo70%
Taxes $265/mo11%
Insurance $168/mo7%
HOA $300/mo12%
$2,424/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Bay County rate (12.28 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
Current owner’s estimated bill $3,325/yr ($277/mo) — taxable value $271,423 × 12.28 mills
$150 less each year
(−5%)
The current taxable value ($271,423) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$271,423
Market value
$271,423
Assessed
$271,423
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$3k/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
$300/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~14 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
Hazard risk
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.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Holiday Beach
Pricing & the Holiday Beach market
How this home is priced against recent nearby sales, and where Holiday Beach 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 30 (cold).
Property timeline
This home’s history
1982BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 65 cumulative days on market as of October 3, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $329,000
Aug 20, 2026Price cut$309,000 (-$20,000, -6.1%)
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.
Transparency
Price & listing history
Listed for $309,000Momentum Realty · on market 65 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
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 Holiday Beach Unit 4. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Scores
Momentum Property Score
74/100
Strongest on: Affordability (100), Flood safety (90)
0 limited50100 exceptional
74/100 is strong 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.
Affordability100
List price $309,000 vs the community median $485,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~14 ft elevation. Verify the parcel with FEMA.
Insurance cost56
From FEMA Zone X and a 1982 build. Obtain a property-specific quote.
Market liquidity46
Community median 67 days on market (12-month record).
Pricing power83
Recent sales closed at about 91.4% of original asking (~8.6% below). More room below asking generally favors buyers.
Market timing70
Momentum Market Heat is 30/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 6 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.
Momentum Research
The Momentum read
32% of homes in Holiday Beach are owner-occupied. An estimated 68% are non-owner-occupied, including 11% held in a company or trust and 31% 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), 1254 homes matched. Community-level context.
Recent Holiday Beach sales closed near 91.4% 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 24 active listings in Holiday Beach, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Think Real Estate · MLS # 791346
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Keep looking
Similar homes for sale near Holiday Beach Unit 4
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.
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 about 2 miles southeast of Holiday Beach.
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 16 miles northwest of Holiday Beach, 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 22 miles northwest of Holiday Beach, 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 project is about 2 miles south of Holiday Beach, elsewhere in Bay County.
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.
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.
Items worth confirming for 6404 Thomas Drive 6DR, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1982 (44 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $300/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 $3,175/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $150 less per year than the current owner’s estimated bill (−5%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
CPAR, refreshed twice daily (last: October 3, 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
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; 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.
Answered before you ask
Frequently asked questions
How big is 6404 Thomas Drive 6DR and when was it built?
Per the listing record, 6404 Thomas Drive 6DR was built in 1982 and has 2 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 6404 Thomas Drive 6DR in?
6404 Thomas Drive 6DR is in Holiday Beach Unit 4 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 6404 Thomas Drive 6DR have an HOA, and how much are the dues?
The listing reports HOA dues of $300 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 6404 Thomas Drive 6DR differ from the current owner's?
The estimate on this page (about $3,175 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $150 less per year than the current owner’s estimated bill (−5%). 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 6404 Thomas Drive 6DR 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.
Ready when you are
See 6404 Thomas Drive 6DR 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 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.
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.
