Making an Offer

Before the offer to purchase is created, it is very important that you have been at least pre-qualified or better yet pre-approved by a lender.

This is one of the best negotiating tools a buyer can have. It shows the seller that you are financially able to purchase the home. After you have found the right home, it is time to prepare the offer.

When you are buying a home, there are many problems that the seller is obligated to disclose. For example, in most states, it is illegal to withhold information about major physical defects on the property, but these disclosures don't always paint the entire picture of the home. Here are six questions you may want to ask that can offer additional insight about the prospective home before you make a final decision.

1) Why is the seller selling the house? This question may help you evaluate the "real value" of the property. Is there something about the house the seller does not like? If so, you may be able to adjust the purchase offer accordingly.

2) How much did the seller pay for the home? This question can, in some instances, help the buyer negotiate a better deal-maybe even get the seller to carry part of the loan. However, it is important to remember that the purchase price is influenced by several factors, like the current market value and any improvements the seller may have made to the home. The original purchase price might not have anything to do with the current value of the house.

3) What does the seller like most and least about the property? By asking the seller what he or she likes most and least about the property, you might get some interesting information. In a few cases, what a seller likes the most about a home might actually be something the buyer is looking to avoid. For example, if the seller describes his house as being in a "happening community," the buyer might consider this a negative factor because the area may be too noisy or busy for his or her taste.

4) Has the seller had any problems with the home in the past? It is also a good idea to ask the seller if he or she has had any problems with the home while living there. Has the seller had problems with a leakage from the upstairs bathroom in the past? If so, even if the leak has been corrected, the floor and walls around the bathroom might have been damaged. You should also check that these items were repaired properly.

5) Are there any nuisances or problem neighbors? Use this answer to find out about any noisy neighbors, barking dogs, heavy airplane traffic or even planned changes to the community, such as a planned street widening. This may give you insight on why the seller is really moving.

6) How are the public schools in the area? Because the value of a community is usually greatly influenced by the public schools in the area, finding out the buyer's perception can give you some insight about the quality of the area's schools.

Knowing all you can about a prospective home, not only helps you decide if it's the home of your dreams, but what offer to make as well. Your real estate professional can help you get your key questions answered and give you advice on how to evaluate your findings.

1266 Properties
Page 1 of 36
Open 1/28
5022 Hagin Dr Panama City,  FL 32404
$350,000
Neighborhood: Callaway Heights
4
Beds
2
Baths
1,835
Sq.Ft.
2023
Year Built
1
Day on Site
736847
MLS
Welcome to the Azalea**Proudly brought to you by Coastal Classic Homes where you are given a modern, beautifully built custom home. This New Construction home offers an open floor plan with plenty of...
$355,900
Neighborhood: Whisper Dunes
3
Beds
2F11/2
Baths
1,496
Sq.Ft.
2017
Year Built
1
Day on Site
736848
MLS
Great opportunity to own a nice townhome about a mile away from the white sandy beaches & 5 minutes to Pier Park. You'll love the spacious floor plan & the amenities of the community. Downstairs...
Open 1/28
1869 Pointe Dr Panama City Beach,  FL 32407
$335,000
Neighborhood: Hathaway Townhomes
3
Beds
2F11/2
Baths
1,542
Sq.Ft.
2019
Year Built
1
Day on Site
736841
MLS
Welcome to Hathaway Townhomes! This is an incredible opportunity to own a townhome in Panama City Beach. When you enter you'll find gorgeous luxury vinyl plank flooring, granite countertops in...
$475,000
Neighborhood: No Named Subdivision
5
Beds
2F11/2
Baths
2,627
Sq.Ft.
2023
Year Built
1
Day on Site
736852
MLS
This Home is built by one of Bay Counties most sought after builders, Brick home with spacious floor plan, custom solid wood cabinets, Quartz counter tops, Upgraded light fixtures, doors, Insulation,...
$325,000
Neighborhood: Edgewater Golf Villas 3A
2
Beds
2
Baths
1,137
Sq.Ft.
1985
Year Built
1
Day on Site
736857
MLS
Ground floor unit with beautiful views of the 7th fairway. This spacious condo offers two bedrooms with two full baths and has been partially updated. The master bedroom has sliding glass doors that...
$369,500
Neighborhood: Magnolia Bay Club
3
Beds
3
Baths
1,485
Sq.Ft.
2008
Year Built
1
Day on Site
736858
MLS
Waterfront 3bed/3bath condo in gated community of Magnolia Bay club. Has beautiful views of St. Andrews Bay from the master bedroom, the living room, the kitchen ,and the large balcony. Only a short...
$199,900
Neighborhood: Fontainebleau Terrace
1
Baths
330
Sq.Ft.
1965
Year Built
1
Day on Site
736861
MLS
Enjoy Panama City Beach at the Fontainebleau Terrace! This is a great vacation rental, or personal use family getaway. Rental income yields around $30k, depending on your personal use. On site...
$349,000
Neighborhood: Carillon Beach Inn
1
Beds
1
Baths
530
Sq.Ft.
2007
Year Built
1
Day on Site
736865
MLS
UPDATED and BEAUTIFULLY FINISHED! Must see, 3rd floor with great views overlooking Lake Carillon. Beach access and pools available in Carillon. Shops and restaurants within easy distance. Panama...
$199,900
Neighborhood: Fontainebleau Terrace
1
Baths
330
Sq.Ft.
1965
Year Built
1
Day on Site
736869
MLS
Enjoy Panama City Beach at the Fontainebleau Terrace! This is a great vacation rental, or personal use family getaway. Rental income yields around $30k, depending on your personal use. On site...
$599,000
Neighborhood: Pinnacle Port
2
Beds
2F11/2
Baths
983
Sq.Ft.
1970
Year Built
1
Day on Site
736871
MLS
This recently renovated 2 bedroom 2.5 bath condo is perfectly located in the private, gated community of Carillon Beach. This unit has incredible views of the gulf and Lake Powell. You can see the...
Open 1/28
125 Tierra Verde Way #Lot 12 Panama City Beach,  FL 32407
5
Beds
3
Baths
3,113
Sq.Ft.
2023
Year Built
1
Day on Site
736873
MLS
Price reduced for a limited time. The McKenzie plan is an exquisite 5 bed, 3 bath home located in the TierraVerde III community! Conveniently located to nearby schools, restaurants, 5 minutes to the...
$435,000
Neighborhood: Tidewater Beach Phase II
1
Beds
1
Baths
787
Sq.Ft.
2007
Year Built
1
Day on Site
736875
MLS
Tidewater Beach Resort is in the heart of the vacation rental tourism district. The resort is within walking distance of Russell-Fields Pier, the shopping, dining & entertainment amenities of Pier...
$280,000
Neighborhood: [No Recorded Subdiv]
3
Beds
2
Baths
1,416
Sq.Ft.
1991
Year Built
1
Day on Site
736876
MLS
This home could be the perfect place for you! Location Location Location, centrally located in desirable community of Lynn Haven. Conveniently located near stores, restaurants, schools, and a quick...
$559,000
Neighborhood: Sunnyside
2
Beds
1
Baths
624
Sq.Ft.
1952
Year Built
1
Day on Site
736879
MLS
THE INTERIOR OF THE HOME HAS BEEN GUTTED.
Open 1/28
1220 New York Ave Lynn Haven,  FL 32444
$245,000
Neighborhood: Lynn Haven
3
Beds
2
Baths
1,440
Sq.Ft.
1945
Year Built
2
Days on Site
736541
MLS
New to the Market! Nestled on a large corner lot in the heart of Lynn Haven this 3 Bed 2 Bath home is perfect for anyone looking to live in Bay County! This home is centrally located in Lynn Haven...
Open 1/28
292 Hugh Thomas Dr Panama City,  FL 32404
$315,000
Neighborhood: Grimes Callaway Bayou Est U-1
3
Beds
2
Baths
1,540
Sq.Ft.
2020
Year Built
2
Days on Site
736798
MLS
This adorable home is situated in a wonderful neighborhood on a large lot in an X flood zone. Sit on your front porch and watch the mullet jump in Callaway Bayou. The home's open floor plan features...
$250,000
Neighborhood: Grand Lagoon Cove Condominium
2
Beds
2F11/2
Baths
1,080
Sq.Ft.
1979
Year Built
2
Days on Site
736801
MLS
***UPDATED PHOTOS Jan. 19th***Beautiful 2 bed 2 1/2 bath unit at Grand Lagoon Cove. Unit is directly across from the tennis courts and next to the community pool. All new vinyl plank flooring,...
$449,000
Neighborhood: College Station Phase 3
5
Beds
2F11/2
Baths
2,627
Sq.Ft.
2023
Year Built
2
Days on Site
736802
MLS
Bay Counties newest community has come to life, These homes are built by one of Bay Counties most sought after builders, Brick homes with spacious floor plans, custom solid wood cabinets, Quartz...
$465,000
Neighborhood: Gulf Highlands Beach Resort
2
Beds
2F11/2
Baths
1,512
Sq.Ft.
1996
Year Built
2
Days on Site
736806
MLS
Wonderful opportunity to own this Extra-Large, Fully Furnished, Fully Updated, Rental Ready End Unit on the Canal. This beautiful townhome is located on the island, only a 3 min short walk to the...
$290,000
Neighborhood: Mill Point
3
Beds
2
Baths
1,319
Sq.Ft.
2022
Year Built
2
Days on Site
736808
MLS
Zillow is Wrong. address is 3508 Mill Point Cove, panama city Fl 32404...Bay Counties newest community has come to life, These homes are built by one of Bay Counties most sought after builders, Brick...
$750,000
Neighborhood: Sweetbay
5
Beds
3F11/2
Baths
3,368
Sq.Ft.
2019
Year Built
2
Days on Site
736809
MLS
Rare opportunity to purchase the largest floor plan in waterfront SweetBay! This home was originally built by Samuel Taylor Homes and features 5 bedrooms plus bonus room. A front bedroom can also...
$259,900
Neighborhood: St And Bay Dev Co
3
Beds
2
Baths
1,375
Sq.Ft.
2023
Year Built
2
Days on Site
736816
MLS
2023 NEW CONSTRUCTION NEAR TYNDALL AFB - This brand-new affordable home will feature 3 bedrooms, 2 baths, an open floor plan (great for entertaining), an interior laundry room, and luxury vinyl plank...
$189,900
Neighborhood: Pine Forest Est Ph 1
3
Beds
2
Baths
1,352
Sq.Ft.
1979
Year Built
2
Days on Site
736826
MLS
Great price on nice 3 bedroom home in Lynn Haven. Home features large lot, detached storage and carport, fireplace, quartz counter tops. Home needs flooring and some minor repairs and cosmetic...
3
Beds
2F11/2
Baths
1,750
Sq.Ft.
2019
Year Built
2
Days on Site
736827
MLS
New Short-term approved listing on Panama City Beach. This 3-bedroom, 2.5-bathroom home is located just a few blocks from the beach! Walking into the home, you will notice the large open concept...
$539,400
Neighborhood: Palmetto Trace Phase III
4
Beds
2
Baths
2,361
Sq.Ft.
2005
Year Built
2
Days on Site
736829
MLS
Welcome to 208 Bainbridge St, well-maintained, 4Bed / 2 Bath, Palmetto Trace beauty! Neighborhood amenities include 2 pools, sidewalks, street lamps, golf cart friendly, walk to Pier Park, Frank...
$367,000
Neighborhood: Point Royal Homes Unit 2
4
Beds
2
Baths
2,229
Sq.Ft.
1976
Year Built
2
Days on Site
736831
MLS
Fantastic location for your busy family! This one owner home with large living spaces both indoor and out give many options for enjoyment. The quiet street is minutes away from the beach,...
$239,000
Neighborhood: Fontainebleau Terrace
1
Baths
330
Sq.Ft.
1965
Year Built
2
Days on Site
736832
MLS
Fontainebleau Terrace, iconic landmark in Panama City Beach, located on the Gulf of Mexico, enormous pool, sun deck, private beach and just a few steps before your toes are in the sugar white sand...
$340,000
Neighborhood: Lakeside By The Gulf
4
Beds
3
Baths
2,194
Sq.Ft.
1968
Year Built
2
Days on Site
736833
MLS
Take advantage of this extremely rare opportunity to own a property nestled in one of the most unique locations on Panama City Beach. Just a short walk or golf cart ride to shopping at Pier Park, or...
$319,000
Neighborhood: Nowell Court
3
Beds
2
Baths
1,290
Sq.Ft.
2005
Year Built
2
Days on Site
736834
MLS
Beautiful updated pool home with all the modern touches. You will love walking through the front door into this totally renovated contemporary home. Fresh paint gives that new home feel. The kitchen...
$625,000
Neighborhood: Seaclusion Beach
2
Beds
2
Baths
1,898
Sq.Ft.
1990
Year Built
2
Days on Site
736835
MLS
WELCOME TO PANAMA CITY BEACH LIVING!! This fully furnished home sits in the Seclusion Beach Subdivision and has a private gated deeded beach access. You are just a short distance to the Gulf of...
Open 1/28
6505 Minneola St Callaway,  FL 32404
$274,500
Neighborhood: C A Taylor's 2nd Addition Calaway
4
Beds
2
Baths
1,566
Sq.Ft.
1976
Year Built
2
Days on Site
736838
MLS
OPEN HOUSE 28 JAN FROM 11:00AM TO 5:00PM. ENTIRELY RENOVATED 4/2 BRICK HOME WITHIN 5 MILES OF TYNDALL AFB. TILE FLOOR THROUGHOUT, BRAND NEW STOVE AND ALL OTHER APPLIANCES 3 YEARS OLD. HVAC SYSTEM...
Open 1/28
1128 Hickory Ave Panama City,  FL 32401
$449,000
Neighborhood: No Named Subdivision
3
Beds
2F11/2
Baths
2,176
Sq.Ft.
2007
Year Built
2
Days on Site
736843
MLS
Don't miss out on this one of a kind find in the heart of the Charming Historic St Andrews.This incredible home has 3br/2.5ba, an office that could easily be used as a 4th bedroom, and a bonus room...
$249,000
Neighborhood: Southport
3
Beds
2
Baths
1,236
Sq.Ft.
1962
Year Built
3
Days on Site
736380
MLS
Newly updated home located on just over half an acre corner lot and new pole barn, so lots of space to add outdoor living and entertainment or whatever you may need, or divide the back portion to...
$199,000
Neighborhood: Fontainebleau Terrace
1
Baths
330
Sq.Ft.
1965
Year Built
3
Days on Site
736763
MLS
Top Floor at Fontainebleau Terrace overlooking the protected pristine Bee-da-wee beach. From your room enjoy the fabulous emerald coast white sandy beach. This unit is perfect for a second home or...
Open 1/28
7516 Chipewa St Panama City,  FL 32404
$429,000
Neighborhood: Baxter Subdivision
3
Beds
2
Baths
2,099
Sq.Ft.
1984
Year Built
3
Days on Site
736765
MLS
Waterfront home with Gulf access! Sitting on a large lot with 104ft of waterfront. This home is a must see. Completely remodeled. Items include energy efficient A/C unit, Water heater, Garage doors,...
$249,900
Neighborhood: Callaway Forest U-2
3
Beds
2
Baths
1,120
Sq.Ft.
1987
Year Built
3
Days on Site
736767
MLS
Great opportunity to own this adorable home in the quiet neighborhood of Callaway Forest. This home features 2 bedrooms, 2 full bathrooms and a bonus room that could be used for an office, playroom...

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From Our Blog - Buying a Home
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Phone(850) 814-6999

Email[email protected]

Address Virga Realty, Inc.
2524 Pelican Bay Ct
Panama City Beach, FL 32408

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