100 Cherry Street 604, Panama City, FL 32401 (MLS# 784711)

100 Cherry Street 604, Panama City, FL 32401

$399,000

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,701 Status: Active

Current Price: $399,000 List Date: 2/04/2026 Last Modified: 6/01/2026

Overview

Description

A rare double-unit waterfront residence at The Cove, now offered with a $96K price reduction. This 2,701 sq ft bayfront home combines Units 604/605 into an expansive, mid-century-inspired layout framed by sweeping views of St. Andrews Bay and Shell Island. Full-height sliders span the entire length of the residence, opening to two generous balconies and creating a seamless connection to the water. Automated hurricane shutters and remote sunshades add effortless comfort and protection. Refined updates include refreshed parquet flooring, new designer lighting, and freshly painted interiors. The chef's kitchen features a Wolf cooktop, Maytag oven, and built-in JennAir microwave. Three private bedroom suites each offer their own full bath, with the owner's suite showcasing balcony access, panoramic bay views, and dual custom walk-in closets. A bay-facing office with built-ins provides an elevated workspace. Additional features include two recently replaced HVAC systems, two private stora … (Read more)

Open Houses

Wednesday, June 3, 11:00 am – 3:00 pm

Listing Details MLS# 784711

Contract Info

List Price/SqFt: 147.72

Location

Area: 02 – Bay County – Central
Street #: 100
Street Name: Cherry
Street Suffix: Street
Unit #: 604
State: FL
Zip Code: 32401
County: Bay
Sub Area: 0203 – Bay – Central SW
Subdivision: Cove Condominium
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 25678-604-000
Elementary School: Cherry Street
Middle School: Jinks
High School: Bay
Directions: From Downtown Panama City, head east on E 3rd Street, which turns into Cherry Street. Continue straight, following Cherry Street as it curves left around the Massalina Bayou. 100 Cherry Street will be on your left, located just before the waterfront in the heart of the Cove neighborhood.
Legal Description: COVE CONDOMINIUMS UNIT 604 TYPE B & 605 TYPE C 4BR 3B 2701 H&C ORB 3616 P 1967

General Property Info

Sub-Type: Condominium
Floor Number: 6
Design: Mid-Rise (4-7 floors)
Apx SqFt(Htd/Cooled): 2701
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
# of Stories in Building: 7
# of Units in Bldg: 50
Units Above Ground: 50
Year Built: 1975
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Assigned Spaces: 2
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 4930
HOA Frequency: Quarterly
HOA Annual Amount: 19720
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 10267
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: A rare double-unit waterfront residence at The Cove, now offered with a $96K price reduction. This 2,701 sq ft bayfront home combines Units 604/605 into an expansive, mid-century-inspired layout framed by sweeping views of St. Andrews Bay and Shell Island. Full-height sliders span the entire length of the residence, opening to two generous balconies and creating a seamless connection to the water. Automated hurricane shutters and remote sunshades add effortless comfort and protection. Refined updates include refreshed parquet flooring, new designer lighting, and freshly painted interiors. The chef's kitchen features a Wolf cooktop, Maytag oven, and built-in JennAir microwave. Three private bedroom suites each offer their own full bath, with the owner's suite showcasing balcony access, panoramic bay views, and dual custom walk-in closets. A bay-facing office with built-ins provides an elevated workspace. Additional features include two recently replaced HVAC systems, two private storage units, and two dedicated parking spaces steps from the elevator. The Cove offers a waterfront pool, clubhouse, and dock, all minutes from Historic Downtown Panama City–now evolving into a growing arts and dining hub with galleries, studios, and chef-driven restaurants. A standout opportunity to own one of the largest and most distinctive luxury waterfront residences in the area.

Pool Features

Inground: Yes

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Convection: Yes
Oven – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Parquet: Yes
Floor – Tile: Yes
Lighting – Recessed: Yes

Construction/Siding

Concrete: Yes
Roof – Clay/Concrete: Yes

Exterior

Balcony: Yes

Waterfront Feature

Dock: Yes
Shore – Seawall: Yes

Other Structures

Pool House: Yes

Association Fees Include

Community Room: Yes
Conference Center: Yes
Dock: Yes
Dumpster: Yes
Ground Keeping: Yes
Picnic Area: Yes
Pool: Yes
Recreational Faclty: Yes
Repairs/Maintenance: Yes
Separate Storage: Yes
Trash Disposal: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Lot Access

Paved Road: Yes

Parking Features

Additional Parking: Yes
Assigned: Yes
Parking Lot: Yes
Paved: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBed Balcony: Yes
MBed Walk-in Closet: Yes
MBath Shower/Tub Combo: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

Conference Center: Yes
Dock: Yes
Dumpster: Yes
Elevators: Yes
Picnic Area: Yes
Pool: Yes
Separate Storage: Yes
Waterfront: Yes
Dog Park: Yes
Recreation Facilities: Yes
Sidewalks: Yes

Rooms

Bedroom: Yes
Master Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Phone – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Bay: Yes

Sale Type

As Is: Yes

Waterfront Type

Bay/Harbor: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Multi Units: Yes

Heating

Central: Yes

Security Features

Carbon Monoxide Detector: Yes
Fire Alarm: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Microwave; Oven – Convection; Oven – Electric; Refrigerator; Water Heater – Electric Master Bedroom: First Bedroom: First Cooling: Central Air; Multi Units Heating: Central Exterior: Balcony Association Fees Include: Community Room; Dock; Dumpster; Ground Keeping; Repairs/Maintenance; Conference Center; Picnic Area; Pool; Recreational Faclty; Separate Storage; Trash Disposal Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Lot Access: Paved Road Pool Features: Inground Security Features: Carbon Monoxide Detector; Fire Alarm; Smoke Detector(s) Parking Features: Additional Parking; Assigned; Parking Lot; Paved Other Structures: Pool House Association Amenities: Dock; Dog Park; Dumpster; Elevators; Conference Center; Picnic Area; Pool; Recreation Facilities; Separate Storage; Sidewalks; Waterfront Rooms: Bedroom; Master Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Phone – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Bay/Harbor Waterfront Feature: Dock; Shore – Seawall Waterview: Bay Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	16 x 12	16.00	12.00
Bedroom	First	14 x 12	14.00	12.00
Bedroom	First	12 x 11	12.00	11.00

Listing Office: Corcoran Reverie

Last Updated: June – 01 – 2026

Information deemed reliable but not guaranteed.