171 Ryder Lane, Panama City

$395,000

5 Beds
3 Baths
2,552 Sqft
.2 Acre
2 Garages

Assumable VA Loan available with a 4.25% interest rate and an approximate balance of $350,000. Better than new and full of charm! This Sawyer plan by DR Horton is tucked inside the welcoming, poolside community of Bridge Harbor. The current owners have added thoughtful upgrades you'll love—stylish lighting, ceiling fans, hardware, a whole-home air purifying system, and a fully fenced backyard ready for kids, pets, or backyard barbecues.

Step inside to a spacious open layout with a split bedroom floor plan, giving everyone the privacy they need. The all-vinyl flooring keeps life simple with easy cleaning and a modern, fresh look that can match any style. The kitchen is the heart of the home, featuring stainless steel appliances, granite counters with plenty of prep space, a pantry, an eat-in nook, and even a formal dining area for when you feel like hosting.

The oversized lot gives you room to stretch out and enjoy the outdoors, while Bridge Harbor offers even more with a neighborhood pool, gazebo, and convenient beach access on Carriage Road.

And here's the real bonus: an assumable VA loan with an approximate balance of $350,000 at 4.25%.

Essential Information
MLS® #983693
Price$395,000
Sold Price$395,000
Date Sold$2026-05-01
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,552
Acres0.20
Year Built2022
TypeResidential
Sub-TypeDetached Single Family
StyleCraftsman
StatusSold
Community Information
Address171 Ryder Lane
Area27 - Bay County
SubdivisionBridge Harbor
CityPanama City
CountyBay
StateFL
Zip Code32404
Amenities
ParkingGarage Door Opener, Garage
# of Garages2
Utilities

Electric, Public Sewer, Public Water

Interior
HeatingCentral
CoolingCentral Air, Ceiling Fan(s)
# of Stories1
Interior Features

Breakfast Bar, Vaulted Ceiling(s), Kitchen Island, Pantry, Washer/Dryer Hookup

Appliances

Microwave, Refrigerator, Electric Water Heater

Exterior
Exterior FeaturesPrivate Yard
RoofShingle
FoundationSlab
Lot Description

Cleared, Interior Lot, Irregular Lot, Level

Construction

Trim Vinyl, Siding CmntFbrHrdBrd

School Information
ElementaryParker
HighRutherford
Additional Information
Days on Website429
ZoningResid Single Family
Listing Details
OfficeRealty ONE Group Emerald Coast
Property History
Price Reduced from $400,000 to $395,000
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All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2026, All rights reserved.

Listing information last updated on October 25th, 2026 at 6:22am CDT.