109 Moonraker Circle, Panama City Beach, FL 32407

New Listing
$469,900
Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 1,835 Lot Size (sq. ft.): 5,227 Status: Active
Current Price: $469,900 List Date: 7/25/2026 Last Modified: 7/25/2026

Overview

Description

Welcome to Moonraker, one of Panama City Beach's most desirable communities including an HOA with a clubhouse and pool. This home is the Rhett plan and is loaded with high end premium upgrades. It is a 4-bedroom, 2-bath home offers 1,768 sq. ft. of stylish single-level living just minutes from the beach, M.B. Miller Pier, Shipwreck Island, dining, shopping, and entertainment. This home is situated on a neighborhood pond lot with views of a fountain and only a 2 block walk to the Gulf of America. Amazing price: The house has a 3 percent assumable VA loan! The house has over $35,000 of luxury upgrades to original home. This beach house features 9' ceilings, elegant tray ceilings, window coverings, and luxury LVP flooring in every room. The gourmet kitchen showcases granite countertops, stainless steel appliances, white cabinetry, a laundry room with a pantry, and extensive landscaping for an entertainers paradise. The private primary suite offers a tray ceiling, double vanities, so

Listing Details MLS# 793118

Contract Info

List Price/SqFt
256.08

Location

Area
03 – Bay County – Beach
Street #
109
Street Name
Moonraker
Street Suffix
Circle
State
FL
Zip Code
32407
County
Bay
Sub Area
0320 – Beach – Middle Central
Subdivision
Moonraker
Community/Resort
None
Waterfront
Yes
Gulf Access
No
Parcel ID
34039-850-560
Elementary School
Hutchison Beach
Middle School
Surfside
High School
Arnold
Directions
Head East On Back Beach Rd From Pier Park Then Turn Right Onto Alf Coleman. Turn Left Onto Moonraker Cir Just Before The First Traffic Light. Close to Shipwreck Island waterpark Panama City beach off of Richard Jackson and Alf Coleman Road
Legal Description
MOONRAKER LOT 56 ORB 4229 P 516

General Property Info

Sub-Type
Detached Single Family
Design
Craftsman Style
Apx SqFt(Htd/Cooled)
1835
SqFt Source
Owner Measured
Full Baths
2
Total Baths
2
Accessory Dwelling Unit
No
Year Built
2020
Construction Status
Construction Complete
New Construction
No
Garage Y/N
Yes
Garage Spaces
2
Lot Dimensions
55×100
Acreage
0.12
Lot Size (SqFt)
5227
Pool
No

Listing Info, Tax and Legal

HOA Fee
Yes
HOA Amount
1600
HOA Frequency
Annually
HOA Annual Amount
1600
New Buyer Fee
No
Brokerage Interest
No Interest

Remarks & Misc

Remarks
Welcome to Moonraker, one of Panama City Beach's most desirable communities including an HOA with a clubhouse and pool. This home is the Rhett plan and is loaded with high end premium upgrades. It is a 4-bedroom, 2-bath home offers 1,768 sq. ft. of stylish single-level living just minutes from the beach, M.B. Miller Pier, Shipwreck Island, dining, shopping, and entertainment. This home is situated on a neighborhood pond lot with views of a fountain and only a 2 block walk to the Gulf of America. Amazing price: The house has a 3 percent assumable VA loan! The house has over $35,000 of luxury upgrades to original home. This beach house features 9' ceilings, elegant tray ceilings, window coverings, and luxury LVP flooring in every room. The gourmet kitchen showcases granite countertops, stainless steel appliances, white cabinetry, a laundry room with a pantry, and extensive landscaping for an entertainers paradise. The private primary suite offers a tray ceiling, double vanities, soaking tub, and separate walk-in shower. This house has a mother-in-law suite where there is a private kitchen and bedroom sectioned off in its own space in the home. The house has a third driveway for that suite. High End Upgrades Include: • Luxury LVP flooring throughout the house in every room • Two kitchens in the house with main kitchen and a Mother-in-law kitchenette suite • Two laundry rooms • Upgraded lighting fixtures and door hardware • Ceiling fans in every bedroom • Professionally landscaped yard • Sidewalk surrounding the home for added convenience • Custom stone paver walkway • Tray ceilings and premium finishes throughout * Three car driveway This beach coastal home has all the modern luxury upgrades at an amazing price with a price you can't beat – Offering an assumable 3 percent VA rate loan! Save thousands and live close to the beach in this home with all the upgrades!

Family Room

First
Yes

More Information

Appliances

Dishwasher
Yes
Disposal
Yes
Range – Electric
Yes
Refrigerator
Yes
Water Heater – Electric
Yes

Interior Features

Floor – Vinyl Plank
Yes
Pantry
Yes

Construction/Siding

Roof – Composite Shngl
Yes
Siding – Hardie Board
Yes
Siding – Vinyl
Yes

Exterior

Patio Covered
Yes

Association Fees Include

Pool
Yes
Trash Disposal
Yes

Financing

Cash
Yes
Conventional
Yes
FHA
Yes
VA
Yes

Furnished

Unfurnished
Yes

Kitchen

First
Yes

Lot Features

Waterfront
Yes

Lot Access

Paved Road
Yes

Parking Features

Driveway
Yes
Garage Attached
Yes

Present Zoning

Resid Single Family
Yes

Association Amenities

BBQ Pit/Grill
Yes
Pool
Yes

Rooms

Bedroom
Yes
Family Room
Yes
Kitchen
Yes

Utilities

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

Waterview

Lake
Yes

Waterfront Type

Lakefront
Yes

Bedroom

First
Yes

Cooling

Central Air
Yes

Heating

Central
Yes

Property Features

Appliances: Dishwasher; Disposal; Range – Electric; Refrigerator; Water Heater – Electric Bedroom: First Cooling: Central Air Heating: Central Exterior: Patio Covered Association Fees Include: Pool; Trash Disposal Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Kitchen: First Lot Features: Waterfront Lot Access: Paved Road Family Room: First Parking Features: Driveway; Garage Attached Association Amenities: BBQ Pit/Grill; Pool Rooms: Bedroom; Family Room; Kitchen Utilities: TV Cable; Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Lakefront Waterview: Lake Present Zoning: Resid Single Family

Room Information

Room Name Level Dimensions Length Width
Bedroom First 14 x 12 14.00 12.00
Bedroom First 13 x 12 13.00 12.00
Bedroom First 11 x 10 11.00 10.00
Bedroom First 10 x 12 10.00 12.00
Family Room First 16 x 15 16.00 15.00
Kitchen First 18 x 10 18.00 10.00
Listing Office: FLATFEE.COM
Last Updated: July – 25 – 2026
Information deemed reliable but not guaranteed.