Skip to main content
Back to Search Results
|

21312 Hilltop Avenue, Panama City Beach, FL 32413

Show All 57 Photos
For Sale

$635,000

2 beds • 2 baths • 988 sqft

Estimated Payment

$      /mo. †

APR for 30 years

Change Loan Terms

  • Single Family Detached
    Property type

  • $642.71
    Price per square foot

  • 31-40 Years Old
    Age

Explore this Property

Modernized west-end coastal cottage with over $70K in lifestyle and structural improvements, private fenced yard, and golf-cart access to Beach 87. Welcome to 21312 Hilltop Avenue a turnkey Florida coastal retreat on a quiet corner lot offering privacy, convenience, and no HOA. Enjoy a Trex front porch, paver driveway, and backyard oasis featuring a putting green, turf lawn with drainage, and an outdoor kitchen with grill, sink, and refrigerator. Updates include a metal roof (2022), impact-rated windows and doors, new septic (2022), HVAC (2019), and water heater (2021) for complete peace of mind. Just minutes from 30A, Pier Park, and ECP Airport, this furnished home combines relaxed beach living with modern comfort and enduring coastal style. This Panama City Beach property has received over $100K in improvements designed for comfort, privacy, and long-term value. A Trex privacy fence, custom gates, and a stuccoed concrete wall with decorative columns fully enclose the home, accented by black wrought-iron fencing and gates that enhance curb appeal. The 26' x 7' Trex front porch (2022), covered carport with double gates, and paver-extended driveway (2024-2025) create versatile outdoor living and easy parking for guests or a golf cart. The backyard is a true lifestyle retreat, featuring a private putting green, turf lawn with engineered drainage, mature landscaping, and large planters. An east-side outdoor shower adds coastal convenience, while the west-side entertaining area includes a working sink, refrigerator, and grill. Multiple gated entry points including a golf-cart garage with drive-through access make beach days effortless and highlight the property's flexibility. Premium updates deliver long-term peace of mind: raised-seam metal roof (2022) with new gutters, PGT hurricane-rated impact windows, Therma-Tru doors, and tinted storm doors. Core systems have been upgraded with a new septic system (2022), HVAC (2019, serviced biannually), and water heater (2021) offering reduced insurance costs and fewer future expenses. Inside, the home's bright, open layout features quartz kitchen countertops, durable finishes, and two full bathrooms. Buyers will find a move-in-ready coastal retreat with the opportunity to personalize interiors while all major structural investments are complete. Completely enclosed and crafted for both privacy and lifestyle, this west-end Panama City Beach home in the golf-cart-friendly Riviera Beach community is ideal as a primary residence, second home, or vacation rental. Just minutes from Beach Access 87, 30A, Pier Park, and ECP Airport, 21312 Hilltop Avenue represents an exceptional coastal real estate opportunity with every major upgrade already in place.
MLS# 987618

Courtesy Of Compass Florida, LLC

(850) 296-9769

Property Features

  • Age
    31-40 Years Old
  • Amenities
    Deck, Porch, Patio, Ceiling Fan
  • Appliances
    Cooktop, Dishwasher, Garbage Disposer, Refrigerator, Washer
  • Architecture Style
    Other
  • Cooling System
    Ceiling Fan(s)
  • Exterior Type
    Concrete
  • Floor Covering
    Vinyl
  • Lot Size
    0.11 Acres
  • Rooms
    Dining Room, Kitchen, Living Room

Map and Directions

Directions to 21312 Hilltop Avenue, Panama City Beach, FL 32413

Home seller CENTURY 21 Connect Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Connect Realty

(770) 640-6800
Learn More About Us

Mortgage Calculator

$
$ %
Loan Term
%
Invalid number

$ /year
$ /year
$ /month

Monthly Payment Breakdown

  • Principle and Interest
    $0
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $0

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

An Equal Opportunity Company

Copyright © 2025 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is 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. Information being provided is 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.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.