SingleFamilyResidence in Indian Bluff Estates Unit 1, Youngstown · No CDD on record · Built 2025
Indian Bluff Estates Unit 1 · Youngstown, FL 32466 · Bay County
Listing data checked against the MLS November 7, 2026 at 12:30 PM ET · rechecked hourly
Listed by Counts Real Estate Group Inc (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
2Bathrooms
2025Year Built
No CDD on record4 bedrooms
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.
Highlights
9135 Sunshine Drive in Indian Bluff Estates Unit 1, Youngstown is listed at $425,000. That is 49% above Indian Bluff Estates Unit 1's median closed sale of $285,000 over the last 12 months (3 recorded sales). It has been listed Sep 15, 2026, well inside the community's typical 140 days. Listing facts: built in 2025. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2025 · 1 yrs
listed Sep 15, 2026
Listing description
About this home
What a beautiful home! The home was rebuilt after tornado damage in 2025. The curb appeal is awesome.
The washed brick finish and immaculate landscaped yard make for a very attractive first impression. The lot is over a half-acre & waterfront to include a dock allowing for boating access to Deer Point Lake. Across from the dock is a non-developed property leaving you plenty of privacy.
The inside of the home is covered in beautiful oak like waterproof luxury vinyl flooring throughout. All the walls finished in light white finishings keeping the home bright and easy on the eyes. The color and design choice of the matching Granite Counter tops in the kitchen, bathrooms and pantry are the perfect blend between the colors of the floors and walls.
The entire home is equipped with a complete water softening system This home is a true pleasure to view. The rooms are spacious and the 4th room offers an office or additional bedroom given the new owners need. The home was built by Guyson Construction.
He is rapidly becoming known as one of the premier builders in our area with his excellent designs and quality of construction. Outside in the well-manicured grounds the home sits up high and dry as the home being rebuilt in 2025 raises the home out of any previous flood areas. Of course, we all enjoy the pleasure of an outside shower after a hard day's work in the yard.
All these quality characteristics and it's priced right, too! If you are in the market for a new home, we encourage you to view this beautiful house today.
All 90 photos
Description provided by Counts Real Estate Group Inc and reproduced from the MLS; not independently verified.
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 Indian Bluff Estates Unit 1. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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$425,000
Bed / bath4 / 2
Year built2025
Property typeSingleFamilyResidence
MLS #795103
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~17 ft
CountyBay
Area listings1 active · 0 under contract
Estimated first-year tax~$4,462/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Estimated monthly payment$2,803
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$285,000
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
$2,803/mo
Principal & interest $2,317/mo83%
Taxes $372/mo13%
Insurance $114/mo4%
$2,803/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
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.)
~$4,462/yr
Estimate: a typical Bay effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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)
$1k–$2k/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 not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~17 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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
Internet & broadband — how to check availability for this address
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.
Property timeline
This home’s history
2025BuiltPer public record
Sep 7, 2026First seen on movewithmomentum.comObserved at $425,000
NowPendingSale pending
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 $425,000Counts Real Estate Group Inc · listed Sep 15, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
36/100
Strongest on: Pricing power (88), Market liquidity (20)
0 limited50100 exceptional
36/100 is limited 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 $425,000 vs the community median $285,000. Not a measure of personal affordability.
Market liquidity20
Community median 140 days on market (12-month record).
Pricing power88
Recent sales closed at about 90.5% of original asking (~9.5% below). More room below asking generally favors buyers.
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.
Momentum Research
The Momentum read
80% of homes in Indian Bluff Estates are owner-occupied. An estimated 20% are non-owner-occupied, including 2% 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), 41 homes matched. Community-level context.
Recent Indian Bluff Estates sales closed near 90.5% 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 1 active listings in Indian Bluff Estates, no CDD assessment.
Checked against the MLS November 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 9135 Sunshine Drive?
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 Counts Real Estate Group Inc · MLS # 795103
Request a showing
Keep looking
Similar homes for sale near Indian Bluff Estates Unit 1
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.
Oct 2026 · Parks Amenities
Zollie Young Park off Mill Bayou Road nears completion after $300K+ county investment
Bay County is finishing Zollie Young Park with a walking trail, two pavilions, a playground, a kayak launch on Mill Bayou and an enclosed dog park, paid from the general fund. No firm finish date was given. A commissioner also said $1.2 million of grant-funded work at High Point Landing should wrap up in December.
Why it matters: A new water-access park adds walking, paddling and dog-park amenities for nearby residents of east Bay County. The project is about 9 miles northwest of Indian Bluff Estates, elsewhere in Bay County.
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
Why it matters: Continued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 10 miles southwest of Indian Bluff Estates.
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
Why it matters: Reuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The project is about 11 miles west of Indian Bluff Estates, elsewhere in Bay County.
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
Why it matters: Added filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 9 miles northwest of Indian Bluff Estates.
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 9135 Sunshine Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
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 $4,462/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.
Provenance
Data sources & freshness
Listing record
CPAR, checked against the MLS hourly (last: November 7, 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.
Answered before you ask
Frequently asked questions
How big is 9135 Sunshine Drive and when was it built?
Per the listing record, 9135 Sunshine Drive was built in 2025 and has 4 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 9135 Sunshine Drive in?
9135 Sunshine Drive is in Indian Bluff Estates Unit 1 in Youngstown, 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 9135 Sunshine Drive differ from the current owner's?
The estimate on this page (about $4,462 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 9135 Sunshine Drive 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.
Ready when you are
See 9135 Sunshine Drive 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.
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.
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.
Momentum Realty
Request a tour or info
Tell us how to reach you and a licensed Momentum Realty agent will follow up about 9135 Sunshine Drive.
1 / 1 photosListing courtesy of Counts Real Estate Group Inc
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.
