# S Fork Loop, Panama City, FL 32404 > **TL;DR:** land, $49,900. Est. $267/mo. Listed 68 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $49,900 | | Lot Size | 34,848 sqft (0.80 acres) | | Property Type | Land (Other) | | Status | Active | | Days on Market | 68 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $252 | | Estimated Insurance | $15 | | **Total** | **$267** | ## Nearby Schools - **Elementary:** Waller - **Middle:** Merritt Brown - **High:** Rutherford ## Property Highlights - 0.80 acre lot ## Description ### Agent Description Discover an excellent opportunity to own approximately 0.80 acres in the Bear Creek area of Bay County, Florida. Parcel 03805-326-010 offers a peaceful setting with convenient access from a paved road, making this property an appealing option for those looking to build, invest, or secure additional land in a growing area. The property has been recently cleared, providing a clean starting point for future plans and allowing buyers to more easily evaluate the land and its potential. Whether you are looking to construct a new home, establish a private retreat, or add acreage to your investment portfolio, this parcel offers flexibility and plenty of room to explore your possibilities. Located in the Bear Creek community, the property provides a more rural atmosphere while remaining within reasonable driving distance of the amenities and services found throughout Bay County. Outdoor enthusiasts will appreciate the area's natural surroundings and proximity to the recreational opportunities that make Northwest Florida such a desirable place to live. With approximately 0.80 acres, paved-road access, and recent clearing already completed, this parcel is ready for its next owner. Opportunities to purchase affordable land in Bay County are increasingly attractive for buyers seeking space, privacy, and long-term potential. ## Location - **Address:** S Fork Loop, Panama City, FL 32404 - **County:** Bay - **Neighborhood:** [No Recorded Subdiv] - **Coordinates:** 30.308194, -85.449321 - **Google Maps:** https://www.google.com/maps?q=30.308194,-85.449321 ## Virtual Tour & Media - **Video Tour:** https://canva.link/pil3ii8ji54cgwq ## Listing Agent - **Name:** James Gray · **License:** 3312827 - **Brokerage:** Counts Real Estate Group Inc - **Broker Phone:** (850) 249-3615 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/S-Fork-Loop_Panama-City_FL_32404_M94785-05713?f=listhub&s=BCARFL&m=794768&c=propsimple) ## Photos ![S Fork Loop - Photo 1](http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f2113450498r.jpg) ![S Fork Loop - Photo 2](http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f3302324004r.jpg) ![S Fork Loop - Photo 3](http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f1471826163r.jpg) ![S Fork Loop - Photo 4](http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f4154534893r.jpg) --- **MLS#:** 794768 | **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/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e#listing", "url": "https://staging.propertysimple.ai/listing/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e", "name": "S Fork Loop, Panama City, FL 32404", "description": "Discover an excellent opportunity to own approximately 0.80 acres in the Bear Creek area of Bay County, Florida. Parcel 03805-326-010 offers a peaceful setting with convenient access from a paved road, making this property an appealing option for those looking to build, invest, or secure additional land in a growing area. The property has been recently cleared, providing a clean starting point for future plans and allowing buyers to more easily evaluate the land and its potential. Whether you are looking to construct a new home, establish a private retreat, or add acreage to your investment portfolio, this parcel offers flexibility and plenty of room to explore your possibilities. Located in the Bear Creek community, the property provides a more rural atmosphere while remaining within reasonable driving distance of the amenities and services found throughout Bay County. Outdoor enthusiasts will appreciate the area's natural surroundings and proximity to the recreational opportunities that make Northwest Florida such a desirable place to live. With approximately 0.80 acres, paved-road access, and recent clearing already completed, this parcel is ready for its next owner. Opportunities to purchase affordable land in Bay County are increasingly attractive for buyers seeking space, privacy, and long-term potential.", "image": [ "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f2113450498r.jpg", "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f3302324004r.jpg", "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f1471826163r.jpg", "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f4154534893r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f2113450498r.jpg", "caption": "S Fork Loop - Panama City, FL" }, "datePosted": "2026-08-21", "dateModified": "2026-10-20T17:36:54.715Z", "mainEntity": { "@type": "Place", "@id": "https://staging.propertysimple.ai/listing/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e#property", "name": "S Fork Loop, Panama City, FL 32404", "address": { "@type": "PostalAddress", "streetAddress": "S Fork Loop", "addressLocality": "Panama City", "addressRegion": "FL", "postalCode": "32404", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 30.308194, "longitude": -85.449321 }, "image": [ "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f2113450498r.jpg", "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f3302324004r.jpg", "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f1471826163r.jpg", "http://lh.rdcpix.com/425014d2dcfd1dbc582224d0ae657c5fl-f4154534893r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "794768" }, "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "0.80 acres" }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Other" }, { "@type": "PropertyValue", "name": "Property Type", "value": "Land" } ] }, "offers": { "@type": "Offer", "@id": "https://staging.propertysimple.ai/listing/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e#offer", "url": "https://staging.propertysimple.ai/listing/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e", "price": 49900, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://staging.propertysimple.ai/listing/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e#agent" } }, "provider": { "@type": "Person", "@id": "https://staging.propertysimple.ai/listing/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e#agent", "name": "James Gray", "worksFor": { "@type": "Organization", "@id": "https://staging.propertysimple.ai/listing/s-fork-loop-panama-city-fl-32404-20892a7eb4b94fc894d7777fbfad726e#brokerage", "name": "Counts Real Estate Group Inc", "telephone": "(850) 249-3615" } } } ```