109 Blue Sage Road, Panama City Beach, FL 32413 (MLS# 785506)

109 Blue Sage Road, Panama City Beach, FL 32413

$465,000

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Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,924 Lot Size (sq. ft.): 6,708 Status: Active

Current Price: $465,000 List Date: 2/19/2026 Last Modified: 6/30/2026

Overview

Description

Experience low-maintenance coastal living in this 3BR/2BA home in Whisper Dunes, located just a half-mile from dedicated beach access. Whisper Dunes remains one of the West End's most desirable primary-residence communities, known for its pet-friendly atmosphere, consistent upkeep, and HOA-covered lawn care that simplifies everyday living. Designed with both durability and comfort in mind, this home features 2×6 construction, Hardie board siding, 6-inch exterior walls, and a 30-year architectural shingle rated for 130 mph winds — details that matter in today's insurance and long-term ownership landscape. A 5-star energy rating, high-efficiency Low E2 windows, and a 14-SEER heat pump further enhance efficiency and livability. Inside, the open floor plan offers large designer tile throughout, 8-foot doors with craftsman-style trim, and abundant natural light from oversized windows. The kitchen is thoughtfully appointed with stainless appliances, granite countertops, under-cabinet … (Read more) Experience low-maintenance coastal living in this 3BR/2BA home in Whisper Dunes, located just a half-mile from dedicated beach access. Whisper Dunes remains one of the West End’s most desirable primary-residence communities, known for its pet-friendly atmosphere, consistent upkeep, and HOA-covered lawn care that simplifies everyday living. Designed with both durability and comfort in mind, this home features 2×6 construction, Hardie board siding, 6-inch exterior walls, and a 30-year architectural shingle rated for 130 mph winds — details that matter in today’s insurance and long-term ownership landscape. A 5-star energy rating, high-efficiency Low E2 windows, and a 14-SEER heat pump further enhance efficiency and livability. Inside, the open floor plan offers large designer tile throughout, 8-foot doors with craftsman-style trim, and abundant natural light from oversized windows. The kitchen is thoughtfully appointed with stainless appliances, granite countertops, under-cabinet lighting, and generous storage — creating a functional gathering space that connects seamlessly to the main living area. The primary suite features tray ceilings and an ensuite bath with double vanities and matching granite surfaces. Two additional bedrooms and a full bath provide flexibility for guests, home office needs, or family living. French doors open to a covered porch with a remote-controlled electric screen, extending your living space outdoors. The fenced backyard offers privacy for pets or entertaining, while the garage includes a newly epoxy-coated floor completed in 2025 for a clean, durable finish. Residents of Whisper Dunes enjoy a community pool, cabana, landscaped walking paths, and sidewalks throughout the neighborhood — all just minutes from Pier Park, 30A, Camp Helen State Park, Lake Powell, and the conveniences of Publix, ALDI, and local dining. For buyers seeking a well-built, low-maintenance home near the beach within a primarily full-time residential setting, this Whisper Dunes property represents a strong opportunity on Panama City Beach’s West End.

Listing Details MLS# 785506

Contract Info

List Price/SqFt: 241.68

Location

Area: 03 – Bay County – Beach
Street #: 109
Street Name: Blue Sage
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0322 – Beach – North West
Subdivision: Whisper Dunes
Community/Resort: Whisper Dunes
Waterfront: No
Parcel ID: 35350-250-050
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From Hwy 79 Take Panama City Beach Parkway ( US98) Drive approximately 5.5 miles west and Turn Right onto Sand Oak Blvd and go approximately .1 miles and turn right in the traffic Circle and the home is .1 miles on the right.
Legal Description: WHISPER DUNES, PH 2A LOT 5 ORB 3732 P 1393

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 1924
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 2014
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 110X60
Acreage: 0.15
Lot Size (SqFt): 6708
Pool: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 785.47
HOA Frequency: Quarterly
HOA Annual Amount: 3141.88
New Buyer Fee: Yes
New Buyer Fee Amt: 0.5
New Buyer Fee Paid: %
Last Taxes: 5360
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Experience low-maintenance coastal living in this 3BR/2BA home in Whisper Dunes, located just a half-mile from dedicated beach access. Whisper Dunes remains one of the West End's most desirable primary-residence communities, known for its pet-friendly atmosphere, consistent upkeep, and HOA-covered lawn care that simplifies everyday living. Designed with both durability and comfort in mind, this home features 2×6 construction, Hardie board siding, 6-inch exterior walls, and a 30-year architectural shingle rated for 130 mph winds — details that matter in today's insurance and long-term ownership landscape. A 5-star energy rating, high-efficiency Low E2 windows, and a 14-SEER heat pump further enhance efficiency and livability. Inside, the open floor plan offers large designer tile throughout, 8-foot doors with craftsman-style trim, and abundant natural light from oversized windows. The kitchen is thoughtfully appointed with stainless appliances, granite countertops, under-cabinet lighting, and generous storage — creating a functional gathering space that connects seamlessly to the main living area. The primary suite features tray ceilings and an ensuite bath with double vanities and matching granite surfaces. Two additional bedrooms and a full bath provide flexibility for guests, home office needs, or family living. French doors open to a covered porch with a remote-controlled electric screen, extending your living space outdoors. The fenced backyard offers privacy for pets or entertaining, while the garage includes a newly epoxy-coated floor completed in 2025 for a clean, durable finish. Residents of Whisper Dunes enjoy a community pool, cabana, landscaped walking paths, and sidewalks throughout the neighborhood — all just minutes from Pier Park, 30A, Camp Helen State Park, Lake Powell, and the conveniences of Publix, ALDI, and local dining. For buyers seeking a well-built, low-maintenance home near the beach within a primarily full-time residential setting, this Whisper Dunes property represents a strong opportunity on Panama City Beach's West End.

Appliances

Dishwasher: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

More Information

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Composite Shngl: Yes

Exterior

Fenced Back Yard: Yes
Patio Covered: Yes
Sprinkler System: Yes

Association Fees Include

Ground Keeping: Yes
Master Association: Yes
Trash Disposal: Yes

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes

Lot Features

Within 1/2 Mile to Water: Yes

Association Amenities

Pavilion/Gazebo: Yes
Pool: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Electricity – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBath Walk-In Closet: Yes

Property Features

Appliances: Dishwasher; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Electric Exterior: Fenced Back Yard; Patio Covered; Sprinkler System Association Fees Include: Ground Keeping; Master Association; Trash Disposal Furnished: Unfurnished Interior: Floor – Carpet Lot Features: Within 1/2 Mile to Water Association Amenities: Pavilion/Gazebo; Pool Rooms: Bedroom; Primary Bedroom Showing: ShowingTime Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	13.8 x 16	13.80	16.00
Bedroom	First	12.5 x 10	12.50	10.00
Bedroom	First	11.8 x 12.6	11.80	12.60

Listing Office: Berkshire Hathaway HomeServices Beach Properties of Florida

Last Updated: June – 30 – 2026

Information deemed reliable but not guaranteed.