# 4904 Christy Lane, Panama City, FL 32404

> **TL;DR:** 5bd/3ba single family, $535,000 ($177/sqft), built 2014, 3,018 sqft.
> A/C, 2-car garage. Est. $3,221/mo. Listed 153 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $535,000 |
| Price/sqft | $177 |
| Bedrooms | 5 |
| Bathrooms | 3 full |
| Square Feet | 3,018 |
| Year Built | 2014 |
| Lot Size | 13,939 sqft (0.32 acres) |
| Stories | 1 |
| Garage | 2-car |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 153 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,705 |
| Estimated Insurance | $156 |
| HOA | $360 |
| **Total** | **$3,221** |

## Nearby Schools

- **Elementary:** Tommy Smith
- **Middle:** Merritt Brown
- **High:** Bay

## Key Amenities

- A/C
- 2-car garage

## Property Highlights

- Built in 2014
- 0.32 acre lot

## Description

### Agent Description
This beautiful, well maintained 3018 square foot home in Cedar Branch has 5 bedrooms and 3 bathrooms. Beautiful stone arches greet you in the main hall. The home has high ceilings, creating a much more open feeling to the home. This home has only had 2 owners and has been immaculately maintained by both. This house even has a bonus room which can be used as an office, private study, or even converted into a 6th bedroom. The home is also situated on a cul-de-sac, making it a perfect location for families of all sizes. Schedule a showing today!

## Location

- **Address:** 4904 Christy Lane, Panama City, FL 32404
- **County:** Bay
- **Neighborhood:** Cedar Branch
- **Coordinates:** 30.237548, -85.560136
- **Google Maps:** https://www.google.com/maps?q=30.237548,-85.560136

## Listing Agent

- **Name:** Matthew J Gainer · **License:** SL3505318
- **Brokerage:** Horsley Real Estate Group
- **Broker Phone:** (850) 832-3503
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4904-Christy-Ln_Panama-City_FL_32404_M64390-90713?f=listhub&s=BCARFL&m=790552&c=propsimple)

## Photos

![4904 Christy Lane - Photo 1](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f3487876469r.jpg)

![4904 Christy Lane - Photo 2](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1671635379r.jpg)

![4904 Christy Lane - Photo 3](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f169058457r.jpg)

![4904 Christy Lane - Photo 4](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f851393032r.jpg)

![4904 Christy Lane - Photo 5](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1313852762r.jpg)

![4904 Christy Lane - Photo 6](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f416313143r.jpg)

![4904 Christy Lane - Photo 7](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1695434798r.jpg)

![4904 Christy Lane - Photo 8](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f3540983274r.jpg)

![4904 Christy Lane - Photo 9](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f3487876469r.jpg)

![4904 Christy Lane - Photo 10](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1311848771r.jpg)

![4904 Christy Lane - Photo 11](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1356644699r.jpg)

![4904 Christy Lane - Photo 12](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1715955861r.jpg)

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![4904 Christy Lane - Photo 23](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f797484251r.jpg)

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![4904 Christy Lane - Photo 25](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f875164438r.jpg)

![4904 Christy Lane - Photo 26](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1325255645r.jpg)

![4904 Christy Lane - Photo 27](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1851537720r.jpg)

![4904 Christy Lane - Photo 28](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2225283416r.jpg)

![4904 Christy Lane - Photo 29](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f3947447448r.jpg)

![4904 Christy Lane - Photo 30](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2363289523r.jpg)

![4904 Christy Lane - Photo 31](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f125652434r.jpg)

![4904 Christy Lane - Photo 32](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1048703576r.jpg)

![4904 Christy Lane - Photo 33](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f4129751356r.jpg)

![4904 Christy Lane - Photo 34](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1364555113r.jpg)

![4904 Christy Lane - Photo 35](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2796552668r.jpg)

![4904 Christy Lane - Photo 36](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2431835124r.jpg)

![4904 Christy Lane - Photo 37](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1945229547r.jpg)

![4904 Christy Lane - Photo 38](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2225620684r.jpg)

![4904 Christy Lane - Photo 39](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1066665272r.jpg)

![4904 Christy Lane - Photo 40](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2328421891r.jpg)

![4904 Christy Lane - Photo 41](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2338201500r.jpg)

![4904 Christy Lane - Photo 42](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2414726698r.jpg)

![4904 Christy Lane - Photo 43](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f4206591841r.jpg)

![4904 Christy Lane - Photo 44](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1241458651r.jpg)

![4904 Christy Lane - Photo 45](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1331921136r.jpg)

![4904 Christy Lane - Photo 46](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1271462111r.jpg)

![4904 Christy Lane - Photo 47](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2969892819r.jpg)

![4904 Christy Lane - Photo 48](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f1615814142r.jpg)

![4904 Christy Lane - Photo 49](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f2414351516r.jpg)

![4904 Christy Lane - Photo 50](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f83562590r.jpg)

![4904 Christy Lane - Photo 51](http://lh.rdcpix.com/adabaa6ce9bbf6a0e6978a24e08596d7l-f4231089984r.jpg)

---

**MLS#:** 790552 | **Updated:** 2026-10-20
**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/4904-christy-lane-panama-city-fl-32404-0ccbb6cd75424e36b424351b5ba2fdc1)

---

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