109 Palm Bay Boulevard, Panama City, FL 32408 (MLS# 796747)

109 Palm Bay Boulevard, Panama City, FL 32408

New Listing

$649,900

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,515 Lot Size (sq. ft.): 10,454 Status: Active

Current Price: $649,900 List Date: 10/19/2026 Last Modified: 10/20/2026

Overview

Description

Welcome to this beautiful, spacious home in the highly desirable Palm Bay subdivision! Offering an abundance of natural light, generous living spaces, a private pool, and numerous recent upgrades, this home has so much to offer! Step inside and enjoy soaring 11-foot ceilings, expansive windows, updated skylights (2026), and a stunning sunken living room featuring one of two wood-burning fireplaces. The thoughtfully designed floor plan offers a spacious family room, formal dining room with a charming bay window, built-in bookcases, and an entertainment center, providing plenty of room for everyday living and entertaining. The spacious kitchen features custom wood cabinetry, a breakfast bar, and a separate breakfast area. All-new kitchen appliances were installed in January 2025, including an induction cooktop and an oven with convection and air-frying capabilities! The primary suite offers a private entrance to the covered, tiled lanai overlooking the pool, creating the perfec … (Read more) Welcome to this beautiful, spacious home in the highly desirable Palm Bay subdivision! Offering an abundance of natural light, generous living spaces, a private pool, and numerous recent upgrades, this home has so much to offer! Step inside and enjoy soaring 11-foot ceilings, expansive windows, updated skylights (2026), and a stunning sunken living room featuring one of two wood-burning fireplaces. The thoughtfully designed floor plan offers a spacious family room, formal dining room with a charming bay window, built-in bookcases, and an entertainment center, providing plenty of room for everyday living and entertaining. The spacious kitchen features custom wood cabinetry, a breakfast bar, and a separate breakfast area. All-new kitchen appliances were installed in January 2025, including an induction cooktop and an oven with convection and air-frying capabilities! The primary suite offers a private entrance to the covered, tiled lanai overlooking the pool, creating the perfect retreat. The primary bathroom features double vanities, a whirlpool garden tub, separate shower, and a large walk-in closet. The fourth bedroom, conveniently located just off the primary suite, has its own closet and bathroom, making it an ideal home office, guest suite, or flex space! Step outside to your private pool and covered lanai, perfect for relaxing or entertaining. Additional highlights include an oversized garage with air-conditioning ductwork and an extended driveway with room for up to six vehicles, providing exceptional parking convenience. Major improvements offer added peace of mind, including: – All-new windows and sliding glass doors (2020) – Roof replacement (January 2019) – American Standard HVAC system (December 2018) – New skylights (2026) – Irrigation pump replacement (2023) – New kitchen appliances (January 2025) – Terminix termite bond The sellers also report reasonable electric bills, ranging from approximately $88 to $336 per month during the referenced months, depending on seasonal usage. With its spacious layout, impressive upgrades, abundant natural light, private pool, and convenient location in Palm Bay, this home offers a wonderful combination of comfort, functionality, and Florida living. Don’t miss the opportunity to make this exceptional property your own!

Listing Details MLS# 796747

Contract Info

List Price/SqFt: 258.41

Location

Area: 03 – Bay County – Beach
Street #: 109
Street Name: Palm Bay
Street Suffix: Boulevard
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Palm Bay Unit 1
Community/Resort: Palm Bay
Waterfront: No
Parcel ID: 30188-995-010
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: North Lagoon and turn North into Palm Bay. Home will be on the left.
Legal Description: PALM BAY UNIT #1 LOT 5 BLK A ORB 3584 P 1874

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 2515
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
Accessory Dwelling Unit: No
Year Built: 1990
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 80.0 ft x 134.0 ft
Acreage: 0.25
Lot Size (SqFt): 10454
Pool: Yes
Pool Type: Private
Half Baths: 0

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 580
HOA Frequency: Annually
HOA Annual Amount: 580
New Buyer Fee: No
Last Taxes: 3205.85
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Welcome to this beautiful, spacious home in the highly desirable Palm Bay subdivision! Offering an abundance of natural light, generous living spaces, a private pool, and numerous recent upgrades, this home has so much to offer! Step inside and enjoy soaring 11-foot ceilings, expansive windows, updated skylights (2026), and a stunning sunken living room featuring one of two wood-burning fireplaces. The thoughtfully designed floor plan offers a spacious family room, formal dining room with a charming bay window, built-in bookcases, and an entertainment center, providing plenty of room for everyday living and entertaining. The spacious kitchen features custom wood cabinetry, a breakfast bar, and a separate breakfast area. All-new kitchen appliances were installed in January 2025, including an induction cooktop and an oven with convection and air-frying capabilities! The primary suite offers a private entrance to the covered, tiled lanai overlooking the pool, creating the perfect retreat. The primary bathroom features double vanities, a whirlpool garden tub, separate shower, and a large walk-in closet. The fourth bedroom, conveniently located just off the primary suite, has its own closet and bathroom, making it an ideal home office, guest suite, or flex space! Step outside to your private pool and covered lanai, perfect for relaxing or entertaining. Additional highlights include an oversized garage with air-conditioning ductwork and an extended driveway with room for up to six vehicles, providing exceptional parking convenience. Major improvements offer added peace of mind, including: – All-new windows and sliding glass doors (2020) – Roof replacement (January 2019) – American Standard HVAC system (December 2018) – New skylights (2026) – Irrigation pump replacement (2023) – New kitchen appliances (January 2025) – Terminix termite bond The sellers also report reasonable electric bills, ranging from approximately $88 to $336 per month during the referenced months, depending on seasonal usage. With its spacious layout, impressive upgrades, abundant natural light, private pool, and convenient location in Palm Bay, this home offers a wonderful combination of comfort, functionality, and Florida living. Don't miss the opportunity to make this exceptional property your own!

Pool Features

Gunite Concrete: Yes
Inground: Yes

More Information

Appliances

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

Interior Features

Bookcases: Yes
Breakfast Bar: Yes
Ceiling – Crwn Molding: Yes
Ceiling – Raised: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Lighting – Recessed: Yes
Pantry: Yes
Skylight(s): Yes
Split Bedroom: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Dimensional Shg: Yes
Siding – Stucco: Yes

Exterior

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

Association Fees Include

Master Association: Yes

Financing

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

Furnished

Unfurnished: Yes

Lot Features

Subdivision – Recorded: Yes
Within 1/2 Mile to Water: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes
Oversized: Yes

Rooms

Bedroom: Yes
Family Room: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes
Office: Yes

Utilities

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

Cooling

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

Heating

Central: Yes
Electric: Yes
Fireplace – Wood Burning: Yes
Fireplace(s): Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Jetted: Yes
MBed First Floor: Yes
MBed Walk-in Closet: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Range – Electric; Refrigerator; Water Heater – Electric Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric; Fireplace – Wood Burning; Fireplace(s) Exterior: Fenced Back Yard; Patio Covered; Sprinkler System Association Fees Include: Master Association Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Lot Features: Subdivision – Recorded; Within 1/2 Mile to Water Pool Features: Gunite Concrete; Inground Parking Features: Driveway; Garage Attached; Garage Door Opener; Oversized Rooms: Bedroom; Family Room; Kitchen; Living Room; Primary Bedroom; Office Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected

Room Information

Room Name	Dimensions	Length	Width
Living Room	18 x 12	18.00	12.00
Family Room	25 x 16	25.00	16.00
Kitchen	13 x 9	13.00	9.00
Primary Bedroom	19 x 13	19.00	13.00
Bedroom	12 x 12	12.00	12.00
Bedroom	12 x 12	12.00	12.00
Office	12 x 12	12.00	12.00

Listing Office: Counts Real Estate Group Inc

Last Updated: October – 20 – 2026

Information deemed reliable but not guaranteed.