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Highlights

  • Rent Special

Location

3625 Frankford Ave, Panama City, FL 32405, USA
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Tour Exchange at North Bay

Contact

Management

Evolve Property Management

Leasing office

(850) 605-3565

Open today 

1:00 pm–5:00 pm CT

Property Overview

Exchange at North Bay receives a strong overall Zumper expert rating of 8.4 out of 10, highlighting its competitive pricing and excellent value for amenities. The property features a remarkable array of amenities with an 8 out of 10 rating and is situated in a prime location, earning a 9 out of 10 for its convenience to various points of interest. Additionally, a nearby grocery store just 0.3 miles away adds to its accessibility and appeal for potential renters.

This summary uses Zumper’s proprietary data. “Zumper Expert Ratings” and “Things you’ll love” are based on our internal analyses of market trends and renter insights.

Zumper Expert Rating

8.4
Very Good
With a solid 8.4 out of 10 overall, Exchange at North Bay is a great option for renters. While some aspects, like Quality, might not be as distinguished as other properties nearby, Exchange at North Bay has a number of attractive features—namely its Price— so you can be assured your rent will come with a high standard of living.

Things you’ll love

  • Less expensive

Floor plans

A-11 bed1 bath598 sqft$1,274–$1,948 /mo7 units available
A-21 bed1 bath598+ sqft$1,284–$1,927 /mo7 units available
B-12 bed2 bath974 sqft$1,464–$1,806 /mo7 units available
B-22 bed2 bath1,053 sqft$1,525–$1,778 /mo7 units available
B-52 bed2 bath1,208 sqft$1,892–$2,161 /mo1 unit available
C-13 bed2 bath1,288 sqft$1,873–$2,506 /mo5 units available

Let's explore this property.

Policies and fees

Applicants

Applicants

One-time.

Contact Property

REQUIRED FEES

Deposit

One-time. Refundable: 100%. Security Deposit

Contact Property

Base Rent

Monthly rent payment

$1,309–$1,892

Questions about this property’s policies and fees?

Building details

Property details

Units256
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About Exchange at North Bay

HomeApartments in Panama City Exchange at North Bay

Exchange at North Bay cost $1,274–$2,506 per month. Located at 3625 Frankford Ave, Panama City, FL 32405, USA, Exchange at North Bay has 1 — 3 bedroom units available. Based on the average rent price of 3 bedrooms in Panama City, renting an apartment at Exchange at North Bay is 35% more expensive per month.Other apartment buildings in or around Panama City include but are not limited to: 617 Gardenia St


Zumper Expert Rating

Our expert rating is based on a weighted average score of property attributes that renters care about most: price, amenities, location, quality, and trust.
8.4
/10
Very Good
With a solid 8.4 out of 10 overall, Exchange at North Bay is a great option for renters. While some aspects, like Quality, might not be as distinguished as other properties nearby, Exchange at North Bay has a number of attractive features—namely its Price— so you can be assured your rent will come with a high standard of living.
How we rated Exchange at North Bay
Price·10A score that weighs the cost and location of the property, which we calculate by comparing rent prices of recent units to the median price of nearby rentals, adjusting for overall quality and features.
Exchange at North Bay offers an excellent balance between price and value. It's priced competitively for its amenities, location, and other key features. Compared to the median price per bedroom in the area, this property is less than, or about the same as, nearby rentals, so residents can expect great value without too many compromises on their desired standard of living.
Amenities·8A score based on the amenities offered at this property compared to other rentals in the area. We consider the quantity, quality, and popularity of features both on site and within the units.
With multiple in-demand amenities, Exchange at North Bay is committed to enhancing the renting experience. And while it may have fewer total conveniences and features than similar rentals nearby, it remains a top choice for renters wanting an specific standard of living.
Location·9A score based on proximity and ease of access to shops, restaurants, schools, and public transportation while considering the desirability of the area.
Exchange at North Bay is exceptional when it comes to location and conveniences. Communication with management or leasing staff is usually quick and easy and they often use advanced scheduling and communication tools to streamline the process. The location of this property offers easy access to popular points of interest in the area and options for getting around.
Quality·6A score based on what makes the property stand out, such as luxury features, unique offerings, age of the building, and our ability to verify the accuracy of these details.
While Exchange at North Bay does not have many hallmark characteristics to highlight, it has some qualities and features that will resonate with a broad range of renters.
Trustworthiness·8A score based on the accuracy, completeness, recency, and usefulness of the information provided by this property, so you can trust that what you see is what you get.
The level of transparency this property provides distinguishes it as a great rental. With a high attention to detail and desirable features, renters can be sure they will get an accurate picture of their potential new home.

Property highlights

We compared every listing in the surrounding area to determine which amenities are most common. If a building lacks an amenity that most others in the area have, it is a con. If a building has an amenity most others in the area do not, it is a pro. Similarly, price, schools, and size are calculated relative to the size, price, and distance to schools of the other properties nearby.

How Exchange at North Bay compares to other nearby properties.

Positives

Less expensive
The 1-bedrooms are cheaper than other similar listings nearby

Considerations

No in-unit dishwasher
Dishwashers aren't available

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Rent trends in Panama City

1-bedroom apartments here are priced 7% higher than 1-bedrooms in Panama City.

If you decide to upgrade your space, you can expect 2-bedrooms at Exchange at North Bay to be 25% more than the average for similarly sized apartments in Panama City.

3-bedroom apartments at Exchange at North Bay cost about 1% more than the average rent price for 3-bedroom apartments in Panama City.

Median rents as of Oct 18 2025.
Panama City
A table of studio rental data trends in Panama City
MonthMedian Rent
June 2024$900
September 2024$900
October 2024$743
November 2024$725
December 2024$841
January 2025$875
February 2025$962
March 2025$990
April 2025$1,043
May 2025$1,135
June 2025$1,036
July 2025$1,147
August 2025$1,035
September 2025$915
October 2025$886

Affordability calculator

Can I afford to live at 3625 Frankford Ave?

Bedrooms

Rent-to-income ratio

30%

Slide to adjust the percentage of your monthly income you are willing to spend on rent.
The general rule of thumb is to spend around 30% or less of your income on rent.
Recommended income

$51,160/yr

With your selected rent-to-income ratio, you'd ideally want to make $51,160 annually to afford this 1-bedroom median monthly rent price of $1,279.
For more information on rent affordability, visit our rent calculator.

Schools near Exchange at North Bay

Northside Elementary School

2001 northside dr

panama city, FL, 32405

PK, K-5Public
B

Bay Virtual Franchise

1515 june ave

panama city, FL, 32405

K-12Public
C+

St. Andrew School

2010 w 12th st

panama city, FL, 32401

PK, K-5Public
C+

Rosenwald High School

924 bay ave

panama city, FL, 32401

PK, 6-12Public
C-

Margaret K. Leweis in Millville

203 n east ave

panama city, FL, 32401

PK, K-12Public
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Internet available near Exchange at North Bay

Neighborhood

NEIGHBORHOOD VIBE
Peaceful and quiet
Noise-canceling headphones not required in this mostly noise free area.

Getting around Panama City near 3625 Frankford Ave

Walking

3/10
Fewer daily needs are within walking distance (unless you’re up for a challenge).

Driving

8/10
Commuting is easy with multiple accessible routes and plenty of parking.

Cycling

4/10
More spots are within biking distance and some roads are cyclist-friendly.

Transit

0/10
FYI, there are little to no public transit options within walking distance.

Points of interest for 3625 Frankford Ave, Panama City

Groceries

1/10
No grocery stores within walking distance

Shopping

4/10
Some shops within walking distance

Cafes

2/10
Few or no cafés within walking distance

Restaurants

4/10
Some restaurants within walking distance

Primary schools

3/10
At least one elementary school within a 30-minute walk

High schools

1/10
No high schools within a 30-minute walk

Nightlife

1/10
Few or no bars within walking distance

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