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3104 E Heartleaf Avenue, Panama City, FL 32405

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For Sale

$530,000

4 beds • 3 baths

Estimated Payment

$      /mo. †

APR for 30 years

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  • Single Family Detached
    Property type

  • 6-10 Years Old
    Age

Explore this Property

Discover this beautifully maintained 3 bedroom, 2 bath home with a versatile carriage house, ideally located on a desirable corner lot in the sought-after SweetBay community. Inside, the main home offers a bright, open concept living area that flows seamlessly into the kitchen featuring granite countertops, stainless steel appliances, a gas range, abundant cabinetry, and a spacious walk-in pantry. The primary suite at the front of the home is a true retreat, complete with a tray ceiling, double vanities, a large walk-in shower, linen closet, powder room, and generous walk-in closet. Two additional bedrooms provide flexibility for family, guests, or a home office. Above the detached garage, the fully equipped carriage house offers incredible versatility featuring a full bath, walk-in closet, refrigerator, ample cabinetry, its own water heater and dedicated AC unit. It's ideal for guests, a private studio, or even rental income potential. Enjoy the best of Florida living outdoors with a welcoming wraparound front porch perfect for morning coffee and a spacious back porch designed for dining and entertaining. The lush landscaping and additional guest parking enhance both convenience and curb appeal. Located in one of Bay County's most desirable neighborhoods, SweetBay offers a true sense of community. The evolving Town Center features Publix and Starbucks, with more dining, shopping, healthcare, and more on the horizon.
MLS# 781138

Courtesy Of Realty ONE Group Emerald Coast

(850) 238-8338

Property Features

  • Age
    6-10 Years Old
  • Amenities
    Porch, Patio, Ceiling Fan
  • Appliances
    Dishwasher, Refrigerator
  • Architecture Style
    Craftsman
  • Cooling System
    Ceiling Fan(s)
  • Floor Covering
    Carpet, Tile
  • Lot Size
    0.17 Acres
  • Rooms
    Dining Room

Map and Directions

Directions to 3104 E Heartleaf Avenue, Panama City, FL 32405

Home seller CENTURY 21 Commander Realty, Inc.

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 Commander Realty, Inc.

(850) 769-8326
Learn More About Us

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Monthly Payment Breakdown

  • Principle and Interest
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  • Hazard Insurance
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  • Private Mortgage Insurance
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Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

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Copyright © 2025 Central Panhandle 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.

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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.