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Single Family ResidenceResidential
$686,297$290 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 75How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

3810 ROBERTSON LN

PANAMA CITY BEACH, FL 32408
4
Beds
3
Baths
2,368 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.51 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$686K
$512K low$861K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$430,812
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$344,650
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.37%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$255,485
WELLS FARGO BANK NA · recorded Apr 10, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,086 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$287,025 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$278,665
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$427,656

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.59%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBay
Lot (acres)The size of the land the home sits on, from county records.0.51
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 904 ft²Porch · 904 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Patronis Elementary SchoolA
Elementary · Grades KG–5 · 3.4 mi
H
J.R. Arnold High SchoolC-
High · Grades 9–12 · 7.2 mi
M
Surfside Middle SchoolB+
Middle · Grades 6–8 · 9.3 mi

District: Bay County School District

Neighborhood · ZIP 32408These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.53%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.17,449
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,522 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,360
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$101,355
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.66 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3810 Robertson Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 90% of homes in Bay County
  • Costs more per square foot than 67% of homes in Bay County
  • Bigger than 90% of homes in Panama City 32408
  • Has a bigger lot than 96% of homes in Panama City 32408
  • Newer than 71% of homes in Panama City 32408

What homes are worth in Panama City 32408

Each bar is how many homes fall in that price range. The marker is this home.

This home
$179K$1.3M

This home is worth more than 85% of homes in Panama City 32408.

How it measures up in Panama City 32408

The dot is this home. The mark in the middle is the typical home in Panama City 32408.

Estimated value$686,297
CheaperTypical $404,304Pricier

Pricier than 85% of homes nearby

Price per ft²$290
CheaperTypical $336Pricier

Pricier than 38% of homes nearby

Living area2,368 ft²
SmallerTypical 1,300 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.51 ac
SmallerTypical 0.13 acBigger

Bigger than 96% of homes nearby

Year built2004
OlderTypical 1990Newer

Newer than 71% of homes nearby

How 3810 Robertson Ln ranks against every home in each area.
MeasureThis homePanama City 32408Bay County
Estimated valuepricier than$686,29785% of homes90% of homes
Price per ft²pricier than$29038% of homes67% of homes
Living areabigger than2,368 ft²90% of homes89% of homes
Lot sizebigger than0.51 ac96% of homes82% of homes
Year builtnewer than200471% of homes67% of homes

About 3810 Robertson Ln

How much is 3810 Robertson Ln, Panama City Beach, FL worth?

The TopHap Estimate for 3810 Robertson Ln, Panama City Beach, FL is $686,297 as of Jul 14, 2026. The likely range is $511,840 to $860,754. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3810 Robertson Ln, Panama City Beach, FL last sell?

3810 Robertson Ln, Panama City Beach, FL last sold on Oct 13, 2005, according to the county's recorded deed.

How big is 3810 Robertson Ln, Panama City Beach, FL?

3810 Robertson Ln, Panama City Beach, FL has 4 bedrooms, 3 bathrooms, 2,368 square feet of living space and a 0.51-acre lot.

When was 3810 Robertson Ln, Panama City Beach, FL built?

3810 Robertson Ln, Panama City Beach, FL was built in 2004, making it 22 years old. The building has 2 stories.

What schools serve 3810 Robertson Ln, Panama City Beach, FL?

3810 Robertson Ln, Panama City Beach, FL is assigned to Patronis Elementary School (elementary), rated A; J.R. Arnold High School (high), rated C-; Surfside Middle School (middle), rated B+. All sit in Bay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3810 Robertson Ln, Panama City Beach, FL compare to other homes in Panama City 32408?

Among the 16,230 homes in Panama City 32408, it is worth more than 85% of them ($686,297 against a typical $404,304), its price per square foot is higher than 38% of them ($290 against a typical $336), it is bigger than 90% of them (2,368 ft² against a typical 1,300 ft²), its lot is bigger than 96% of them (0.51 ac against a typical 0.13 ac) and it is newer than 71% of them (2004 against a typical 1990). Measured against all of Bay County, it is worth more than 90% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3810 Robertson Ln, Panama City Beach, FL?

The 2024 property tax bill for 3810 Robertson Ln, Panama City Beach, FL was $3,086. The county assessed it at $287,025.

Closest homes

More homes in Panama City Beach 32408

Assigned schools

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