About Me
Welcome to Sarah Bailey Realtor.com

Buying a home is not easy; some say it is one of the most difficult decisions one will ever make. Please if you have any questions feel free to contact me by using any of the various means below. I will be more than happy to assist you in any way I can. I want to make your home buying experience a pleasant one. I look forward to hearing from you in the near future.......

Office Phone
FL Main: (850) 249-3882
KY and FL Fax: (888) 958-6801
Service Area Information:

Office areas of service include Louisville, St. Matthews, Middletown, Jeffersontown, Fern Creek, Pleasure Ridge Park, Valley Station, Okolona, Hi-View, Mt. Washington, Shepherdsville.

Additional service areas include:  Jefferson, Oldham, Bullitt, Spencer, Shelby Counties.

Professional & Personal Distinctions:

Designations include
Accredited Buyer Representative,
Certified Residential Specialist, and
Graduate Realtor Institute.

Awards/Clubs include 3 straight years of Executive Club.

Hobbies include Gardening, Photography, Walking / Running.

Civic Activities: Coach Volunteer

What is the difference between a real estate agent and a real estate broker?


Most states require real estate sales professionals to be licensed by the state, so that they can control education and experience requirements and have a central authority to resolve consumer problems.

The terminology used to identify real estate professionals varies a little from state to state.  Brokers are generally required to have more education and experience than real estate salespersons or agents.

The person you normally deal with is a real estate agent or salesperson.  The salesperson is licensed by the state, but must work for a broker.  All listings are placed in the broker's name, not the salesperson's.

A broker can deal directly with home buyers and sellers, or can have a staff of salespersons or agents working for him or her. 

I have to make a choice between an updated home in an older neighborhood or a newer home in a more modern neighborhood. The home in the older neighborhood has almost everything I want and is much larger, but which makes the most sense as an investment?

If your goal is to buy a home for it's resale value and the one you are thinking of buying in the older neighborhood is at the upper end of values for that neighborhood, then it may not be the wisest choice. If it is similar or lower in price to the others, then there should be no problem, because pricing should be considered in relation to the local neighborhood and not compared to homes in other neighborhoods (for the most part)

Plus, is it a neighborhood on the decline, or are others going to be fixing things up, too, so that it is a neighborhood that is improving? It could turn out to be a very good deal as long as you don't "overpay" because of the recent improvements.

Remember that you also buy a home for it's value to you as a "home," and that is something else you should consider. Which neighborhood would you AND your family feel most comfortable in?

Can you negotiate the price of a bank owned home?

Everything in real estate is negotiable. However, banks are more sophisticated about pricing than they were years ago. So those "Get a great deal on a foreclosure!" days aren't what they used to be. Lowball offers generally don't go very far.


Bay County School District
School Grades Population Address - click for map Phone
Bay Senior High School 9-12 1397 1200 Harrison Ave, Panama City, FL 32401 (850) 872–4600
Hutchison Beach Elementary School K-5 709 12900 Middle Beach Rd, Panama City Beach, FL 32407 (850) 233–5118
Cedar Grove Elementary School K-5 605 2826 E 15th St, Panama City, FL 32405 (850) 872–4550
Callaway Elementary School K-5 683 7115 E Hwy 22, Panama City, FL 32404 (850) 871–2645
Merriam Cherry Street Elementary School K-5 311 1125 Cherry St, Panama City, FL 32401 (850) 872–4780
Lucille Moore Elementary School K-5 568 1900 Michigan Ave, Panama City, FL 32405 (850) 872–4770
Everitt Middle School 6-8 943 608 School Ave, Panama City, FL 32401 (850) 872–4790
Hiland Park Elementary School K-5 803 2507 Baldwin Rd, Panama City, FL 32405 (850) 872–4685
Jinks Middle School 6-8 901 600 W 11th St, Panama City, FL 32401 (850) 872–4695
Lynn Haven Elementary School K-5 841 301 W 9th St, Lynn Haven, FL 32444 (850) 265–2131
Millville Elementary School K-5 394 203 N East Ave, Panama City, FL 32401 (850) 872–4765
Oakland Terrace Elementary School K-5 453 2010 W 12th St, Panama City, FL 32401 (850) 872–4565
Parker Elementary School K-5 741 640 S Hwy 22 - A, Panama City, FL 32404 (850) 872–4570
Southport Elementary School K-5 392 1835 Bridge St, Southport, FL 32409 (850) 265–2810
Springfield Elementary School K-5 464 520 School Ave, Panama City, FL 32401 (850) 872–4575
St. Andrew School K-12 64 3001 W 15th St, Panama City, FL 32401 (850) 872–4595
Waller Elementary School K-5 607 11332 Hwy 388, Youngstown, FL 32466 (850) 722–4341
West Bay Elementary School K-5 311 14813 School Dr, Panama City Beach, FL 32413 (850) 234–5135
A. D. Harris High School 6-12 358 819 E 11th St, Panama City, FL 32401 (850) 872–4590
Smith Elementary School K-5 830 5044 Tommy Smith Dr, Panama City, FL 32404 (850) 872–7540
Patterson Elementary School K-5 402 1025 Redwood Ave, Panama City, FL 32401 (850) 872–4675
Rosenwald Middle School 6-8 862 1310 E 11th St, Panama City, FL 32401 (850) 872–4580
Mowat Middle School 6-8 958 1903 W Hwy 390, Lynn Haven, FL 32444 (850) 265–2172
Rutherford High School 9-12 1863 1000 School Avenue, Panama City, FL 32401 (850) 872–4500
Northside Elementary School K-5 715 2001 Northside Dr, Panama City, FL 32405 (850) 872–4760
A. Crawford Mosley High School 9-12 2277 501 Mosley Dr, Lynn Haven, FL 32444 (850) 872–4400
Tyndall Elementary School K-5 788 7800 Tyndall Parkway, Tyndall Afb, FL 32403 (850) 286–6481
Exceptional Student Education (formerly Exception N/A 13 1311 Balboa Ave, Panama City, FL 32401 (850) 872–4100
Margaret K. Lewis Exceptional School K-12 173 1527 Lincoln Ave, Panama City, FL 32405 (850) 872–4775
Tom P. Haney Vocational-technical Center 9-12 0 3016 Hwy 77, Panama City, FL 32405 (850) 747–5500
Merritt Brown Middle School 6-8 971 5044 Merritt Brown Way, Panama City, FL 32404 (850) 872–4740
Surfside Middle School 6-8 1107 300 Nautilus St, Panama City Beach, FL 32407 (850) 233–5180
Patronis Elementary School (temporary Addres K-6 883 7400 Patronis Dr, Panama City Beach, FL 32408 (850) 233–5075
New Horizons Learning Center 6-12 138 3100 Minnesota Avenue, Panama City, FL 32405 (850) 873–7170
Bay Boot Camp 7-12 15 456 East 11th Street, Panama City, FL 32401 (850) 872–7330
Bay Detention Center 4-12 48 450 East 1th Street, Panama City, FL 32401 (850) 872–4706
Panama City Marine Institute 6-12 99 200 E. Beach Drive, Panama City, FL 32401 (850) 872–4715
Shaw Adult Center K-12 0 162 Detroit Ave, Panama City, FL 32401 (850) 872–4555
Bay Haven Academy K-6 564 922 Harrison Avenue, Panama City, FL 32401 (850) 913–3463
Bozeman Learning Center K-8 768 13410 Highway 77, Panama City, FL 32409 (850) 265–9887
Arnold High School 9-12 1218 550 Alf Coleman Road, Panama City Beach, FL 32408 (850) 236–3070
Haney Technical High School 9-12 123 3016 Highway 77, Panama City, FL 32405 (850) 747–5500
Bay County Behavioral Health Center/h.o.p.e. 6-11 33 P. O. Box 616, Fountain, FL 32438 (850) 747–8447

Welcome to Possibility City! 

There's plenty to do in a town like Louisville. Plenty of work (did you hear the Greater Louisville economy has grown almost 4% in recent years?); plenty of play (you've got to see our new downtown entertainment district); and plenty of room to grow (homebuilder.com called us one of the Top-20 places in America to raise a family).

This information and more can be found at LiveInLou.com. This is a favorite site of mine for information about our area. If you have never been to Louisville before you may have heard of some of the wonderful oppertunities that we have here. From lifestyle to employment to home ownership to entertainment to dining, you aren't going to believe it's all here! In fact, even if you have lived here all your life, this site may still have a few surprises about your hometown.

Keene Company Realtors
Louisville, KY



Sarah Bailey
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Florida Realty Experts LLC
415 Richard Jackson Blvd 206 C
Panama City Beach, FL 32407