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4109 Ocean Street, Panama City Beach, FL 32408

Panama City Beach
Local realty services provided by:CENTURY 21 AllPoints Realty
4109 Ocean Street,Panama City Beach, FL 32408
$847,000
  • 3 Beds
  • 2 Baths
  • 1,600 sq. ft.
  • Single family
  • Active
Listed by: james d payton
Office: coastal living realty & associates llc.
MLS#:990993
Source:FL_ECAR

Price summary

  • Price:$847,000
  • Price per sq. ft.:$529.38

About this home

Welcome to your slice of coastal paradise just steps from sugar-white sand and emerald waters—no roads to cross, no HOA, and your own PRIVATE POOL. This beach home offers walkable Gulf access, beach views, and resort-style living, perfect as a full-time residence, second home, or income-producing retreat. Enjoy dining, entertainment, and the heart of beach life. Highlights include a private backyard oasis with pool and outdoor shower, hardwood floors, Silver Pearl granite, stainless appliances, touch faucet, and electric fireplace. Outdoor living shines with two balconies, a porch flowing to the pool, and a converted garage game room. With no HOA, walkability, and peak season near, this rare coastal gem won't last.

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Home facts

  • Year built:2003
  • Listing ID #:990993
  • Added:185 day(s) ago
  • Updated:June 12, 2026 at 08:03 AM

Rooms and interior

  • Bedrooms:3
  • Total bathrooms:2
  • Full bathrooms:2
  • Rooms Total:5
  • Kitchen Description:Dishwasher, Disposal, Microwave, Refrigerator, Stove Top
  • Living area:1,600 sq. ft.

Heating and cooling

  • Central air:Yes

Structure and exterior

  • Year built:2003
  • Building area:1,600 sq. ft.
  • Lot area:0.07 Acres
  • Architectural Style:Florida Cottage
  • Exterior Features:BBQ Pit/Grill, Balcony, Fenced Area, Shower

Schools

  • High school:Arnold
  • Middle school:Surfside
  • Elementary school:Patronis

Utilities

  • Water:Public Water

Finances and disclosures

  • Price:$847,000
  • Price per sq. ft.:$529.38
  • Tax amount:$5,446 (2024)

Features and amenities

  • Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Smooth Stovetop Rnge, Washer
  • Laundry features:Dryer, Washer
  • Amenities:Breakfast Bar, Ceiling Cathedral
The information being provided by Emerald Coast Association Of REALTORS® is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Emerald Coast Association Of REALTORS®. CENTURY 21 AllPoints Realty is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of CENTURY 21 AllPoints Realty, a broker participant of Emerald Coast Association Of REALTORS®. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. The accuracy of all information, regardless of source, including but not limited to open house information, square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Emerald Coast Association Of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Properties in listings may have been sold or may no longer be available. Copyright 2026 Emerald Coast Association Of REALTORS®. All rights reserved. FL_ECAR Member Broker: Ron Jones

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