Kelly Flanagan, Realtor

Kelly Flanagan, Realtor Real estate professional and military wife with MRP/GRI/RSPS certifications. Serving the FL Panhandle
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Kelly is committed to helping all clients buy, sell, or invest in real estate and has the knowledge to help first time home buyers to the experienced investor. Kelly can give you a personal experience and walk you through the process each step of the way.

If you’ve been looking for an updated home with SPACE and no HOA, take a look at this one!📍 2811 W 21st Court, Panama Ci...
09/22/2026

If you’ve been looking for an updated home with SPACE and no HOA, take a look at this one!

📍 2811 W 21st Court, Panama City
3 bedrooms | 2 bathrooms | 1,673 sq ft | .28 acre

The kitchen has been fully renovated with gorgeous waterfall countertops, a large island and tons of storage, plus the open floor plan makes this home perfect for entertaining.

And there’s more 👀

• Bonus room that could be a game room, office or playroom
• Private screened-in patio off the primary suite
• Fully fenced backyard
• 2-car garage
• Extended driveway with room for boats, RVs or trailers
• Metal roof
• NO HOA

And yes, the hot tub, washer, dryer AND garage refrigerator stay!

Want to see it? Send me a message and let’s schedule a showing!

🚨 PRICE REDUCTION + VA ASSUMABLE LOAN AT 5.375%! 🚨$645,000Looking for a beautiful home AND an opportunity to take advant...
09/21/2026

🚨 PRICE REDUCTION + VA ASSUMABLE LOAN AT 5.375%! 🚨

$645,000

Looking for a beautiful home AND an opportunity to take advantage of a 5.375% interest rate? This one deserves a look!

Located in the gated community of Sanctuary Beach, this gorgeous home has so much to offer!

📲 Message me for more details or to schedule your private showing!
Kelly Flanagan | Keller Williams Success Realty

A little Monday motivation to start the week strong. New week, fresh mindset, let’s make it a good one.
09/21/2026

A little Monday motivation to start the week strong. New week, fresh mindset, let’s make it a good one.

Just Cancelled.And sometimes, that’s actually the right move.Being a Realtor isn’t just about getting a home sold. It’s ...
09/18/2026

Just Cancelled.

And sometimes, that’s actually the right move.

Being a Realtor isn’t just about getting a home sold. It’s about helping clients make the decision that makes the most sense for them, even when that means changing the plan.

Markets change. Priorities change. Life changes.

Sometimes selling is the best option. Sometimes renting makes more sense. And sometimes the smartest advice I can give is, “This may not be the right time to sell.”

At the end of the day, it’s not about forcing a transaction. It’s about doing what’s best for my client.

That’s what being a Realtor means to me.

This is why it’s worth exploring ALL of your options when buying a home.Some DR Horton new builds are currently offering...
09/17/2026

This is why it’s worth exploring ALL of your options when buying a home.

Some DR Horton new builds are currently offering interest rate buy-down incentives, and that lower rate can make a BIG difference in your monthly payment.

For example:

$335,000 home at 6.25% = about $2,063/month
$419,000 home at 4.99% = about $2,247/month

That’s an $84,000 difference in price, but only about a $184 difference in the monthly principal and interest payment.

Sometimes the higher-priced home can make more sense when the builder is offering the right incentives.

Don’t just shop by purchase price. Shop the payment, the rate, the incentives, and the overall deal.

There are a lot of moving pieces in this market, which is why it’s so important to explore every option before deciding what fits your budget best.

Message me if you want to see what new construction incentives are available right now.

5.375% INTEREST RATE… in this market?! 👀Yep! This Panama City Beach home has a VA assumable loan at 5.375% with an appro...
09/16/2026

5.375% INTEREST RATE… in this market?! 👀

Yep! This Panama City Beach home has a VA assumable loan at 5.375% with an approximate remaining balance of $609,000.

📍 3522 Cottage Cove Lane
Panama City Beach, FL 32408
Located in Sanctuary Beach

For the right buyer, assuming the seller’s existing VA loan could mean getting a significantly lower interest rate than what they may qualify for on a new loan and potentially a lower monthly payment because of it.

If Sanctuary Beach has been on your radar, this one is definitely worth exploring.

Message me for the details, showing availability, or to see what the numbers could look like for you.

Nothing means more to me than hearing from happy clients after we’ve made it to the closing table.Buying or selling a ho...
09/15/2026

Nothing means more to me than hearing from happy clients after we’ve made it to the closing table.

Buying or selling a home can come with a lot of moving pieces, and I’m always grateful when someone trusts me to help guide them through it.

Thank you so much for the kind words and for allowing me to be part of such an important chapter!

VA homeowners, this is important!The VA recently launched a new Partial Claim Program designed to help eligible Veterans...
09/14/2026

VA homeowners, this is important!

The VA recently launched a new Partial Claim Program designed to help eligible Veterans with VA-backed home loans who have fallen behind on their mortgage payments.

Basically, if you qualify and you're able to start making your regular mortgage payment again, you may be able to complete a 3-month trial payment plan and have eligible missed payments moved into a VA partial claim, meaning you may not have to come up with all of those missed payments at once.

The partial claim is generally paid back later when you sell the home, refinance, or pay off the mortgage.

I know there are Veterans and military families struggling right now who may not even know this option exists, so please SHARE this with someone who could use the information.

Every situation is different, so contact your mortgage servicer or the VA directly to see if you qualify.

Foreclosure may not be your only option. Know what resources are available to you. 🇺🇸

-Kelly Flanagan, REALTOR® | Military Spouse

Today we remember the lives lost on September 11, 2001, and honor the bravery of the first responders, service members, ...
09/11/2026

Today we remember the lives lost on September 11, 2001, and honor the bravery of the first responders, service members, and everyday Americans who stepped up in the face of unimaginable tragedy.

May we never forget the lives, the sacrifice, and the unity our country showed that day.

Everything happens for a reason.Sometimes the house you thought was *the one* doesn’t work out, and in the moment it can...
09/10/2026

Everything happens for a reason.

Sometimes the house you thought was *the one* doesn’t work out, and in the moment it can feel so disappointing. But sometimes it’s just making room for the home that’s actually meant for you.

There will be another one. Keep looking. 🤍

Address

Panama City Beach, FL

Opening Hours

Monday 7am - 9pm
Tuesday 7am - 9pm
Wednesday 7am - 9pm
Thursday 7am - 9pm
Friday 7am - 9pm
Saturday 7am - 9pm
Sunday 7am - 9pm

Telephone

+17049096017

Website

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