$40,000 HOA CREDIT FROM SELLER AT CLOSING WITH ACCEPTABLE OFFER! Welcome to a rare and architecturally intriguing residence perched on the edge of St. Andrews Bay—a double-unit offering the kind of space, light, and views you simply don't find in condominium living. Positioned high above the water in the coveted Cove Condominiums, Units 604 and 605 have been seamlessly combined to create a 2,701-square-foot midcentury-inspired haven—graced with sweeping vistas of Shell Island, shimmering sailboats gliding by, and the quiet elegance of waterfront life just minutes from Panama City's revitalized Historic Downtown. From the moment you enter, it's clear this is no ordinary condo. Wrapped in natural light and framed by full-height sliding doors, the residence opens to two expansive balconies—each commanding front-row views of the bay. One balcony has just been updated with a new surface finish; the other remains in pristine condition. Automated hurricane shutters and remote-controlled sunshades provide effortless protection and privacy while preserving the serene panorama. Inside, this thoughtfully curated home boasts refreshed parquet flooring, all-new designer lighting throughout, and a fresh coat of paint that highlights the crisp, clean lines of its original design. The kitchen is both beautifully updated and functionally exceptional, featuring a Wolf cooktop, top-of-the-line Maytag oven, and built-in Jenn-Air microwave—a rare combination of performance and sophistication that elevates the culinary experience. Additionally, three full bathrooms—each attached to a private bedroom suite—deliver comfort and privacy for family or guests. The owner's suite is a true sanctuary, featuring private balcony access, panoramic water views, and a pair of walk-in closets—his and hers—each appointed with custom built-ins for effortless organization and elevated living. A secondary bedroom also enjoys direct balcony access, while the third suite offers quiet separation and its own en-suite bath, making it perfect for guests or multigenerational living. One of the most compelling spaces is the bay-facing office, adorned with wall-to-wall built-in bookshelves and balcony access—a statement-making space equally suited for productivity or quiet reflection. Dual HVAC systems have been recently replaced, ensuring the residence remains energy efficient and climate controlled year-round. Two private storage units are included, along with two parking spaces just steps from the elevator—a rarity in most communities of this scale. The Cove Condominium lifestyle is equally refined, offering residents access to a waterfront pool, a generous community clubhouse, and a dock for fishing or tying up your boat after a leisurely sail on the bay. Just beyond the gates, you're walking distance from the restaurants, boutiques, and galleries of Historic Downtown Panama City—where the charm of the past meets the energy of the present. Unit 604/605 at 100 Cherry Street is a truly unique opportunity to own one of the largest and most beautifully appointed waterfront homes in the area, marrying timeless design with everyday livability in an unbeatable location.
Welcome to this brand‑new, thoughtfully designed single‑family home in the heart of Panama City. This modern residence offers a perfect blend of comfort, efficiency, and charm—featuring a beautifully crafted exterior with clean lines, board‑and‑batten siding, and a welcoming covered front porch that sets the tone for relaxed Florida living. The home sits on an extended deep lot providing ample outdoor space for gardening, pets, or future additions. Step inside to an open‑concept layout that maximizes natural light and functionality. The spacious living area flows seamlessly into the dining space and contemporary kitchen, equipped with modern solid wood cabinetry, generous quartz counter space, and a practical layout ideal for everyday living and entertaining. This home includes multiple bedrooms and well‑planned bathrooms, offering privacy and comfort for family members or guests. A dedicated laundry area and smart interior layout ensure every inch of space is optimized. The attached garage with private driveway adds convenience and storage options, while the deep lot provides room for outdoor recreation with an amazing porch a future pool, or additional landscaping. With its clean architectural style, efficient footprint, and fresh new construction, this home is an exceptional opportunity for buyers seeking affordability, quality, and modern living in a growing Panama City neighborhood. Estimate completion 03/31/2026. Come and select some finishes while you can.
Duplex for Sale - Cash Buyers Only. More Pictures coming soon. Calling ALL Investors!!!! One side is vacant, featuring a 2-bedroom, 1-bath layout with living room and kitchen, and is ready for a little TLC and your personal touches. The other side is tenant-occupied with a wonderful long-term tenant in place, providing immediate income. Situated on a very large lot with multiple future opportunities for expansion or redevelopment. Prime location just minutes from the marina and downtown.
$10,000 seller credit at closing! This one is a MUST SEE. Tons of updates, meticulously maintained and full of character. With 4 spacious bedrooms, 2 bathrooms and a fenced back yard offer plenty of space to settle in. Modern comforts meets the timeless charm of a classic Cove home. Located in one of the most established neighborhoods in Panama City. Step inside to an inviting and open floor plan, thoughtfully designed to maximize space and light. The spacious primary suite offers a peaceful retreat with a large walk-in closet and a spa-inspired ensuite bathroom. Three additional bedrooms provide flexibility for family, guests, or a home office. Enjoy year-round outdoor living with beautifully landscaped grounds and ample yard space—perfect for entertaining or relaxing in a serene setting. Major upgrades include the roof and A/C (2020), fully updated electrical and plumbing, and new flooring throughout. In 2023, the subfloor was replaced with durable metal beams backed by a lifetime warranty, adding long-term structural peace of mind. The crawlspace is equipped with a permanent dehumidifier and moisture barrier for added energy efficiency. Additional highlights include a brand new LG washer, dryer, and stainless steel appliances, making this home truly move-in ready. Modern finishes, clean lines, and a warm, welcoming ambiance make this home ideal for quiet evenings or hosting guests. Conveniently located near top-rated schools, shopping, dining, and entertainment, this stunning bungalow offers the perfect blend of comfort, style, and location.
This versatile home features 2 bedrooms plus an attached mother-in-law suite, offering 3 bedrooms, 3 bathrooms & flexible living options for extended family, guests, or rental potential. The property provides ample space for camper or RV parking, making it ideal for those who need extra room for recreational vehicles or additional parking. Conveniently located on N Cove Blvd with easy access to Highway 77, shopping, and everyday amenities, this home combines functionality, space, and accessibility in a central Panama City location.
Updated, move in ready, and located in the heart of The Cove, this 4 bedroom, 2 bathroom home delivers the lifestyle buyers are chasing. Set on a spacious lot, the home features brand new white cabinetry, stone countertops, and fully remodeled kitchen and bathrooms with a clean, modern finish. Enjoy golf cart friendly living with easy access throughout The Cove and into Downtown Panama City, including the Panama City Marina and public boat ramp, waterfront dining, and local events. This location offers the perfect blend of neighborhood charm and coastal convenience. The property also qualifies for 100 percent financing for buyers who meet program requirements. Contact your agent today for additional details and to schedule a private showing.
Great home for a first time home owner. Conveniently located to shopping, dining, schools, and Tyndall Airforce Base. Room to grow with 4 bedrooms. Kitchen and bathroom have been remodeled. New flooring in most of the house. Living room with a fireplace. All appliances are included. Covered back patio, firepit and a good size fenced backyard. Seller request 24 hour notice for showings,
Renovated 3-bedroom, 2-bath Florida cottage. Recently updated and truly move-in ready, all appliances convey, this home blends classic Florida charm with modern comfort, making it an ideal option for first-time buyers, investors, or anyone looking for a low-maintenance lifestyle. Inside, you'll find a clean, functional layout filled with natural light and fresh finishes throughout. The renovations allow you to move right in without a to-do list. Simply unpack and enjoy. The home's simple, old-Florida cottage style offers warmth and character while remaining practical and easy to maintain. Conveniently located near Callaway, you'll enjoy quick access to shopping, dining, parks, and everyday amenities, with Tyndall Air Force Base just a short drive away. Whether you're commuting, investing, or looking for a centrally located primary residence, this property delivers comfort, convenience, and value. AS-IS, CASH Only Sale
Rare opportunity in the COVE, Panama City, FL — two-dwelling properties like this are extremely hard to find! This unique income-producing property features three separate structures, two dwelling units, separate utilities, and brand-new roofs on all buildings, making it an ideal option for investors, house hackers, multi-generational living, or short-term/long-term rental strategies. This home is only 0.5 miles from Harrison Avenue and downtown Panama City, an area that blends historic charm with modern energy. Situated on the shores of St. Andrews Bay, downtown has experienced a resurgence in recent years, with new shops, restaurants, breweries, galleries, and community events revitalizing its historic core. The front home is vacant and fully remodeled (2023) and offers 2 bedrooms, 1 bathroom, and 859 sq. ft. of living space. Updates include a new A/C (2025, under warranty), impact skylight, new appliances, washer & dryer, new plumbing, new flooring, new blinds, and a fully fenced private yard with off-street parking and storage. Previous rent: $1,900/mo. Unit B features 1 bedroom, 1 bathroom, and 470 sq. ft., with a new split A/C (2026), covered patio, private fenced yard, and separate driveway with private alley access — perfect for rental income, guest suite, or entertainment space. Rented: $900/mo. A third structure provides dedicated laundry for Unit B and additional storage for both homes, increasing functionality and tenant appeal. Each unit has separate electric and water meters, allowing for a true income-producing operation that offers privacy for each unit and simplified property management. Located in the highly desirable Cove area of Panama City, this property offers charm, convenience, and long-term value just minutes from downtown shopping, dining, schools, and the water. This is a unique investment opportunity in one of the city's most established neighborhoods! Measurements provided by last appraisal. Buyer to verify.
This brand-new, thoughtfully designed home delivers modern style, comfort, and convenience in one of Panama City's most accessible locations. Nestled on a quiet street yet minutes from downtown, dining, shopping, parks, schools, and waterfront attractions, this home offers everyday ease without sacrificing privacy or peace. The moment you walk in, the home makes a statement. The custom-built entertainment wall anchors the living space with a sleek, modern fireplace and a 55'' TV that complements the home, creating an instant focal point. Built-in shelving with color-changing LED accent lighting allows you to set the tone—bright and energetic for entertaining or warm and relaxed for quiet nights in. This is a space designed to impress and unwind. Every detail reflects new construction quality and intentional design, making the home truly move-in ready. Whether you're looking for a primary residence, a stylish second home, or a smart investment, this property delivers functionality, atmosphere, and long-term value. This isn't just a place to live—it's a space to come home to. Schedule your showing and experience it in person!
Welcome to 2906 Nadine Ct., this wonderfully updated home boast new paint, new flooring, new appliances, new quartz counter tops, lighting fixtures and garage door. The floor plan flows great for a primary home, retirement or starter home or an excellent rental. This home is centrally located and short distance to schools, shopping and minutes to 23rd st. All offers/contracts will be negotiated by owner, please do not email any documents to the email on MLS it is not???????????????????????????????? monitored.
Spacious all-brick, three bedroom, two and a half bath home just minutes from downtown Panama City. The home has a 2019 roof and a 2016 HVAC The home also has a large living room/dining room combination in addition to a family room. The master bedroom has double closets and the master bath is tiled with double vanities. There is a single car garage and large storage area with a half bath off of the garage and a large driveway for extra parking. The home needs some work after being a rental for some time so bring your vision for this spacious home on a large lot.
Perfect first home or investment property. The home is in excellent construction condition just needs the new buyers personal touch to make the property SHINE. Excellent location with nice surrounding homes and a nice large lot in St Andrews. Newer A/C and roof and Electric has all been upgraded. 3 bedrooms and 2 full baths with extra room for office or additional kids' bedroom. The property has two sheds outside, a covered patio outback that would make for a perfect outdoor kitchen! There's an area perfect for lounging around and entertaining friends or family! This property is priced right and won't last long. Way less expensive than renting in today's market! There is an adjoining lot that can be purchased to make for a bigger parcel or to build a new home. The home could use updated windows as they current windows are original. The home has the original Hardwood floors throughout parts of the home. The lot also has an Easement area between this home and the one that adjoins it to the north.
Discover an exceptional opportunity to own a large waterfront estate on over 1.1 acres, just a short distance from the sugar-white sands and emerald waters of the Gulf of America. Offering 4,419 square feet, this expansive 5-bedroom, 5-bath ranch-style home sits on a rare oversized waterfront lot—providing the space, privacy, and potential that are increasingly hard to find along the coast. The home features a circular driveway, generous living areas, and a spacious deck overlooking the water, creating an ideal foundation for a stunning waterfront retreat or custom renovation. While the property does require updating and renovation, it presents a remarkable value-add opportunity for buyers looking to personalize a large coastal residence or create a one-of-a-kind luxury estate. With its prime waterfront setting, massive lot size, and proximity to the Gulf, this property is perfectly positioned for full-time living, a second home, or an investment project. Priced under $1 million, this is a rare chance to acquire a large waterfront home and over an acre of coastal land at an outstanding price point. Bring your vision and unlock the potential of this unique waterfront offering.
This home offers a rare opportunity to own a like-new 3-bedroom, 2-bath home priced BELOW APPRAISED VALUE. This thoughtfully designed open floor plan features durable flooring throughout, creating a seamless, modern feel from room to room. The kitchen is the heart of the home, showcasing a center island, stainless steel appliances, and ample space for both everyday living and entertaining. The open layout flows effortlessly into the living and dining areas, making the home feel bright, spacious, and functional. Conveniently located and move-in ready, this home delivers modern finishes, smart design, and exceptional value — a perfect option for buyers looking for quality construction without the new-build price tag. 10x12 storage shed, conveys. All info and measurements are approximate, to be verified by buyer if important.
Don't miss your chance to own this beautiful rebuilt home in the desirable St. Andrews community! Experience peace of mind and modern comfort in this fully renovated home, thoughtfully upgraded from top to bottom. Every detail has been updated for worry-free livingâ”including a brand-new metal roof, new windows, plumbing, electrical, drywall, and insulation. Step inside to find new flooring throughout, creating a fresh, cohesive look. The heart of the home is the stunning chef's kitchen, featuring granite countertops, abundant cabinetry, and a spacious walk-in pantryâ”perfect for entertaining or everyday cooking. Both the guest and master bathrooms offer luxurious, fully tiled showers with sleek glass doors, while the master bath also includes a double vanity for added convenience. The master suite is a true retreat, complete with a large walk-in closet, private balcony, and its own private entry, offering a peaceful escape at the end of the day. Schedule your tour today!
Welcome to your ''Like new'' home, Seller is offering up to 3% ($8550) Seller Concessions of sale price. * rate subject to change without notice ASK US ABOUT Affordable Housing loan - oers 100% financing with no MI for a sales price up to $350,000. Perfectly situated on a spacious corner lot! This beautifully designed 3-bedroom, 2-bathroom residence offers 1,349 square feet of comfortable living space with thoughtful upgrades throughout. Highlights Include: Durable Hardi Board siding Stylish LVP flooring throughout Elegant granite countertops Designer subway tile shower in the master suite Spacious walk-in closet and large pantry Energy-saving spray foam roof insulation Low-E windows and glazing for improved efficiency Long-lasting Galvalume metal roofing Step inside to find 9-foot ceilings, luxury vinyl plank flooring, and gorgeous granite countertops that elevate the home's modern style. The open-concept layout makes entertaining easy, while natural light enhances every room. Built for both style and durability, the exterior features Hardie Board siding and a metal roof, delivering a sleek, low-maintenance finish that will last for years to come. Located just a short drive from Mexico Beach, Panama City Beach, and Tyndall Air Force Base (TAFB), you'll love the convenience of nearby shopping, dining, and coastal recreation. Whether you're settling down or looking for a low-maintenance investment, this home combines quality construction with everyday comfort in an convenient location. 301 Detroit Ave is also listed for sale and vacant for $284,900.
Welcome home! This inviting new construction 3-bedroom, 2-bathroom home is truly move-in ready and waiting for its new owner. Located just a 15-minute drive from Tyndall Air Force Base, it offers the perfect balance of comfort, quality, and convenience. This beautiful Craftsman-style home showcases raised ceilings, durable vinyl plank flooring, and well-placed recessed lighting throughout, creating a bright and welcoming atmosphere. The primary suite features abundant natural light, a spacious walk-in closet, and a luxurious tiled shower designed for relaxation. Enjoy added privacy with fencing on both sides of the home, along with the long-lasting quality of a metal roof and Hardie board siding—details that speak to the craftsmanship of this build. Ideally situated near work and recreation, St. Andrews State Park is just a 30-minute drive away with its legendary white sand beaches. While Mexico Beach, currently undergoing an exciting rebuild, is only 26 minutes away. This home is easy to show and ready to impress. 1 year warranty included with acceptable offer. Contact your favorite agent today to schedule your private showing!
Absolutely Charming condo unit located in the heart of the Historic Saint Andrews. Saint Andrews Harbour is a small cozy & vintage complex fitting right in with the atmosphere of Saint Andrews lifestyle. Great location to the quaint shops, restaurants, Bay & Marina. There are so many other great attributes to this complex such as the low association fees, community pool, grills & clubhouse and of course the location! This two bedroom condo is the perfect place for a get-a-way or full time residence. Come and check out the condo and the St Andrews area you will fall in love!
You truly need to tour this home to see all that has been completed to make this such a beautiful home. It is going to be difficult to truly explain the depth of the complete rebuild that has been completed on this absolutely gorgeous home {Check out the pictures}. The list is so extensive that the home has been fully documented with a new effective build date in 2019. This home so much detailed finish work and extra special touch that you can only appreciate upon viewing! Each and every room displays beautiful trim, doors, floors, cabinets that spare no detail. The home has 2 Master suites and two beautiful master baths to match. The large kitchen is defined with granite counters and top of the line stainless appliances and unique fixtures throughout the entire house to match the unique character of the home. A breakfast dining area of the kitchen is perfect for the morning hustle. A separate large formal dining area with all the room for the family or a group of friends. The living room is comfortable and cozy with a brick fireplace for the peaceful relaxing evenings. A Nautical flavor accents the entire home with special little extra touches throughout. The entire attic system is foam insulated and has standup storage area room that runs almost the entire length of the home. The home has a newly installed solar paneled system that is PAID IN FULL and operational. The list of specific improvement documents is filed in the document pull down menu of the listing. THERE IS NO POOL however the large lot makes for the perfect spot to handle a massive pool! Along with an existing large concrete pad to create the perfect outdoor Kitchen and entertaining gathering area. Come see this beautiful property to truly appreciate all that it has to offer. The sellers have even built a new Pole barn- shed. The home is in the CRA program which allows for short term rentals and your only minutes from all the new shops restaurants and the Downtown Marina.
NO HOA FEES, Affordable 2 bed , 1.5 bath End Unit with fenced back yard. The first floor offers Livingroom/dining area and half bath, kitchen with breakfast bar. Sliding doors off the dining area access the covered back porch, laundry room and fenced back yard. 2nd floor you have 2 nice size bedrooms and full bath. Call today to schedule an appointment for showing. Unit next door also available MLS 780830
Spectacular Views from this 3 Bed/3Bath Bayfront unit in Harbour Village! A one of a kind gated community in the heart of Historic St. Andrews. Condo boasts 11ft ceilings and breathtaking views of St. Andrews Bay, Shell Island, and the Intracoastal Waterway from the master suite, living area, dining room, and kitchen. The open layout features double front door, a gourmet kitchen with sleek stainless steel appliances, granite countertops, a spacious breakfast bar, and ample cabinetry, luxury vinyl plank (LVP) flooring, sliding glass doors from Living room & Master to the spacious Balcony. The Master Bathroom features a double vanity, a soaking garden tub, a tiled walk-in shower, and a generous walk-in closet. The second bedroom has a private bath. Elegant crown molding adorns the entire unit and modern lighting fixtures enhance the entire unit. Condo owner has 2 boat slips (1 with 16,000lb lift) and 2 climate controlled storage units, included in the sale. Harbour Village offers an array of premium amenities, including a heated waterfront pool with bay views, a state-of-the-art fitness center, a grand clubhouse, a private community park (dogs allowed) with a garden, a covered parking garage, an outdoor fireplace with a cozy seating area, a grilling gazebo with access to Oaks by the Bay Park. Just steps away, Historic St. Andrews beckons with its active marina (currently being upgraded), restaurants, scenic waterfront parks, and unique boutique shops. Seize this rare opportunity to own a slice of coastal elegance and modern sophistication in one of Bay County's most coveted communities. Schedule your private tour today! All info taken from appraiser and sizes approx., Buyer to verify all info.
Modern new construction just blocks from downtown Panama City, offering style, comfort, and room to grow. This two-story home features Impact rated exterior doors and windows, cement board siding with board and batten accents, 3 bedrooms, 2.5 baths, 1,582 square feet, and a 1-car garage.An irrigation system is already in place. Zoned MU-3, this deep 33' x 150' lot with alley access gives you the option to add an accessory dwelling unit (ADU). Great for rental income, a guest house, or future flexibility. Buyer to verify requirements. A fresh, thoughtfully designed home close to everything downtown has to offer. Don't miss out!
BEAUTIFUL 3. BEDROOM 1 BATHROOM PROPERTY COMPLETE REMODELED, FENCED PATIO. CLOSE TO SHOPS, EXCELLENT SCHOOLS. MAKE YOUR APPOINTMENT TODAY!!!
Charming & Centrally Located 3BR/2BA Home with Fenced Yard and Playground Welcome home to this charming 3-bedroom, 2-bath detached single-family residence, ideally located within 15 minutes of Tyndall Air Force Base and less than 30 minutes from the sugar-white sands of Panama City Beach at Rick Seltzer Park. The exterior offers a large, fully fenced backyard—perfect for pets, play, and entertaining—highlighted by an awesome playground that conveys endless fun. A spacious shed with additional covered storage provides plenty of room for tools, toys, and outdoor equipment. Inside, you'll find an updated kitchen and bathrooms designed for both style and functionality. The kitchen features granite countertops, stainless steel appliances, a breakfast bar, a generous pantry area, and a cozy eat-in dining space. The primary suite includes a private en suite bathroom with a walk-in shower, creating a comfortable retreat at the end of the day. Centrally located and move-in ready, this home offers the perfect combination of convenience, comfort, and outdoor enjoyment—schedule your showing today
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Copyright 2026 Central Panhandle Association of Realtors® Multiple Listing Service, Inc. – All Rights Reserved.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Copyright 2026 Emerald Coast Association of REALTORS® - All Rights Reserved. Vendor Member Number 28170
Panama City is located in Florida. Panama City, Florida 32401has a population of 34,521. Panama City 32401 is less family-centric than the surrounding county with 25.35% of the households containing married families with children. The county average for households married with children is 27.71%.
The median household income in Panama City, Florida 32401 is $51,569. The median household income for the surrounding county is $60,473 compared to the national median of $69,021. The median age of people living in Panama City 32401 is 39.2 years.
The average high temperature in July is 90 degrees, with an average low temperature in January of 42 degrees. The average rainfall is approximately 59.8 inches per year, with 0 inches of snow per year.
