# 105 Osprey Lake Road, Panama City, FL 32404 > **TL;DR:** 4bd/2ba single family, $298,900 ($167/sqft), built 2020, 1,787 sqft. > A/C, 2-car garage. Est. $2,658/mo. Listed 8 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $298,900 | | Price/sqft | $167 | | Bedrooms | 4 | | Bathrooms | 2 full | | Square Feet | 1,787 | | Year Built | 2020 | | Lot Size | 5,227 sqft (0.12 acres) | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 8 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,511 | | Estimated Insurance | $87 | | HOA | $1,060 | | **Total** | **$2,658** | ## Nearby Schools - **Elementary:** Parker - **Middle:** Rutherford Middle - **High:** Rutherford ## Key Amenities - A/C - 2-car garage ## Property Highlights - Built in 2020 - 0.12 acre lot ## Description ### Agent Description ASSUMABLE LOAN AT 2.9% . Monthly payments at around $1800 monthly. One of the lowest priced home near Tyndall A.F.B and Callaway area. Built in 2020, this home is located in the new Bridge Harbor Subdivision.. This Subdivision has an exclusive pool, Outdoor grilling and sidewalks with lighting. Home has 4 bedrooms where one room can be converted to an office. An open floor plan with kitchen overlooking the living room. Stainless steel appliances with breakfast bar and walk-in pantry. Master bedroom features an en-suite bathroom with a soaking tub and separate shower. You have a split bedroom concept for additional privacy. Large laundry room for your convenience. Fully fenced in back yard and attached two car garage. Like new home in a great location and within your budget. All measurements and information are deemed reliable but should be verified by the buyer or buyers agent. ## Location - **Address:** 105 Osprey Lake Road, Panama City, FL 32404 - **County:** Bay - **Neighborhood:** Bridge Harbor - **Coordinates:** 30.130442, -85.569094 - **Google Maps:** https://www.google.com/maps?q=30.130442,-85.569094 ## Listing Agent - **Name:** Marco Cooper · **License:** 3154198 - **Brokerage:** Coastal Sun Realty LLC - **Broker Phone:** (850) 249-2050 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/105-Osprey-Lake-Rd_Panama-City_FL_32404_M96590-02838?f=listhub&s=BCARFL&m=796777&c=propsimple) ## Photos ![105 Osprey Lake Road - Photo 1](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3776806127r.jpg) ![105 Osprey Lake Road - Photo 2](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f624350730r.jpg) ![105 Osprey Lake Road - Photo 3](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2398467762r.jpg) ![105 Osprey Lake Road - Photo 4](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2739988073r.jpg) ![105 Osprey Lake Road - Photo 5](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1988878848r.jpg) ![105 Osprey Lake Road - Photo 6](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1875970554r.jpg) ![105 Osprey Lake Road - Photo 7](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3665609233r.jpg) ![105 Osprey Lake Road - Photo 8](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1546088552r.jpg) ![105 Osprey Lake Road - Photo 9](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2525964266r.jpg) ![105 Osprey Lake Road - Photo 10](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3291196723r.jpg) ![105 Osprey Lake Road - Photo 11](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1445417162r.jpg) ![105 Osprey Lake Road - Photo 12](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3914559103r.jpg) ![105 Osprey Lake Road - Photo 13](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3346726985r.jpg) ![105 Osprey Lake Road - Photo 14](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1667213334r.jpg) ![105 Osprey Lake Road - Photo 15](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3864053424r.jpg) ![105 Osprey Lake Road - Photo 16](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1100590457r.jpg) ![105 Osprey Lake Road - Photo 17](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2529005616r.jpg) ![105 Osprey Lake Road - Photo 18](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1874872664r.jpg) ![105 Osprey Lake Road - Photo 19](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3096049584r.jpg) ![105 Osprey Lake Road - Photo 20](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f708567750r.jpg) ![105 Osprey Lake Road - Photo 21](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3095162749r.jpg) ![105 Osprey Lake Road - Photo 22](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f132890278r.jpg) ![105 Osprey Lake Road - Photo 23](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f4009730815r.jpg) ![105 Osprey Lake Road - Photo 24](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1065649241r.jpg) ![105 Osprey Lake Road - Photo 25](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1353112594r.jpg) ![105 Osprey Lake Road - Photo 26](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f484630668r.jpg) ![105 Osprey Lake Road - Photo 27](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3348039481r.jpg) ![105 Osprey Lake Road - Photo 28](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1446450162r.jpg) ![105 Osprey Lake Road - Photo 29](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f227856119r.jpg) ![105 Osprey Lake Road - Photo 30](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1925329681r.jpg) ![105 Osprey Lake Road - Photo 31](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2632566428r.jpg) ![105 Osprey Lake Road - Photo 32](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1849519618r.jpg) ![105 Osprey Lake Road - Photo 33](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1196719961r.jpg) ![105 Osprey Lake Road - Photo 34](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2118835450r.jpg) ![105 Osprey Lake Road - Photo 35](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3849595933r.jpg) ![105 Osprey Lake Road - Photo 36](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f437476185r.jpg) ![105 Osprey Lake Road - Photo 37](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f29635531r.jpg) ![105 Osprey Lake Road - Photo 38](http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1480542155r.jpg) --- **MLS#:** 796777 | **Updated:** 2026-10-25 **Source:** listhub *Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102#listing", "url": "https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102", "name": "105 Osprey Lake Road, Panama City, FL 32404", "description": "ASSUMABLE LOAN AT 2.9% . Monthly payments at around $1800 monthly. One of the lowest priced home near Tyndall A.F.B and Callaway area. Built in 2020, this home is located in the new Bridge Harbor Subdivision.. This Subdivision has an exclusive pool, Outdoor grilling and sidewalks with lighting. Home has 4 bedrooms where one room can be converted to an office. An open floor plan with kitchen overlooking the living room. Stainless steel appliances with breakfast bar and walk-in pantry. Master bedroom features an en-suite bathroom with a soaking tub and separate shower. You have a split bedroom concept for additional privacy. Large laundry room for your convenience. Fully fenced in back yard and attached two car garage. Like new home in a great location and within your budget. All measurements and information are deemed reliable but should be verified by the buyer or buyers agent.", "image": [ "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3776806127r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f624350730r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2398467762r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2739988073r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1988878848r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1875970554r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3665609233r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1546088552r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2525964266r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3291196723r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1445417162r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3914559103r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3346726985r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1667213334r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3864053424r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1100590457r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2529005616r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1874872664r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3096049584r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f708567750r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3095162749r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f132890278r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f4009730815r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1065649241r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1353112594r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f484630668r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3348039481r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1446450162r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f227856119r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1925329681r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2632566428r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1849519618r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1196719961r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2118835450r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3849595933r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f437476185r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f29635531r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1480542155r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3776806127r.jpg", "caption": "105 Osprey Lake Road - Panama City, FL" }, "datePosted": "2026-10-20", "dateModified": "2026-10-25T22:22:05.642Z", "mainEntity": { "@type": "Accommodation", "@id": "https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102#property", "name": "105 Osprey Lake Road, Panama City, FL 32404", "address": { "@type": "PostalAddress", "streetAddress": "105 Osprey Lake Road", "addressLocality": "Panama City", "addressRegion": "FL", "postalCode": "32404", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 30.130442, "longitude": -85.569094 }, "image": [ "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3776806127r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f624350730r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2398467762r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2739988073r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1988878848r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1875970554r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3665609233r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1546088552r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2525964266r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3291196723r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1445417162r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3914559103r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3346726985r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1667213334r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3864053424r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1100590457r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2529005616r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1874872664r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3096049584r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f708567750r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3095162749r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f132890278r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f4009730815r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1065649241r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1353112594r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f484630668r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3348039481r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1446450162r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f227856119r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1925329681r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2632566428r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1849519618r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1196719961r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f2118835450r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f3849595933r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f437476185r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f29635531r.jpg", "http://lh.rdcpix.com/3f464656dffd874afc307619d138eaael-f1480542155r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "796777" }, "accommodationCategory": "Single Family Residence", "numberOfBedrooms": 4, "numberOfBathroomsTotal": 2, "numberOfFullBathrooms": 2, "floorSize": { "@type": "QuantitativeValue", "value": 1787, "unitCode": "FTK", "unitText": "square feet" }, "yearBuilt": 2020, "amenityFeature": [ { "@type": "LocationFeatureSpecification", "name": "Heating", "value": "Central, Electric (Heating)" }, { "@type": "LocationFeatureSpecification", "name": "Cooling", "value": "Central Air, Ceiling Fan(s)" }, { "@type": "LocationFeatureSpecification", "name": "Appliances", "value": "ElectricCooktop, ElectricOven, ElectricRange, ElectricWaterHeater, PlumbedForIceMaker" }, { "@type": "LocationFeatureSpecification", "name": "Pool Features", "value": "Patio" }, { "@type": "LocationFeatureSpecification", "name": "Air Conditioning", "value": true } ], "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "0.12 acres" }, { "@type": "PropertyValue", "name": "Garage Spaces", "value": 2 }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Single Family Residence" } ] }, "offers": { "@type": "Offer", "@id": "https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102#offer", "url": "https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102", "price": 298900, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102#agent" } }, "provider": { "@type": "Person", "@id": "https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102#agent", "name": "Marco Cooper", "worksFor": { "@type": "Organization", "@id": "https://staging.propertysimple.ai/listing/105-osprey-lake-road-panama-city-fl-32404-5d72a1279e4c489d84a0ce367a6de102#brokerage", "name": "Coastal Sun Realty LLC", "telephone": "(850) 249-2050", "logo": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/97e3829171b011e4b7a48a0c8244b9b1k-c4014132402r.png" } } } } ```