109 Sand Oak Boulevard 109, Panama City Beach, FL 32413 (MLS# 795518)

109 Sand Oak Boulevard 109, Panama City Beach, FL 32413

New Listing

$319,000

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,560 Status: Active

Current Price: $319,000 List Date: 9/17/2026 Last Modified: 9/17/2026

Overview

Description

Located in Whisper Dunes on the desirable west end of the beach. This condo has it all. Vaulted ceilings. Brand new stainless appliances. New luxury lvp flooring. New paint throughout. Attached garage. Walk in closet. Full laundry room. Large linen closet. Porch with green area. Large pool with cabana for entertaining. Beautifully maintained very quiet neighborhood. Close to beach, grocery, and shopping. All new furnishings are included! (All room measurements are appropriate)

Listing Details MLS# 795518

Contract Info

List Price/SqFt: 204.49

Location

Area: 03 – Bay County – Beach
Street #: 109
Street Name: Sand Oak
Street Suffix: Boulevard
Unit #: 109
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0322 – Beach – North West
Subdivision: Whisper Dunes
Community/Resort: Whisper Dunes
Waterfront: No
Parcel ID: 35350105000
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: Drive northwest on Front Beach Road/CR 30. Bear right. Bear right onto Arnold Road/SR 79. Left to US 98/Panama City Beach Parkway. Right to Sand Oak Bld.
Legal Description: WHISPER DUNES, PHASE 1-A LOT 5 ORB 4051 P 1879

General Property Info

Sub-Type: Condominium
Floor Number: Yes
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1560
SqFt Source: Owner Measured
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 2008
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: 200 x 1270
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 830
HOA Frequency: Quarterly
HOA Annual Amount: 3320
Senior Community: No
New Buyer Fee: No
Last Taxes: 2501
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Located in Whisper Dunes on the desirable west end of the beach. This condo has it all. Vaulted ceilings. Brand new stainless appliances. New luxury lvp flooring. New paint throughout. Attached garage. Walk in closet. Full laundry room. Large linen closet. Porch with green area. Large pool with cabana for entertaining. Beautifully maintained very quiet neighborhood. Close to beach, grocery, and shopping. All new furnishings are included! (All room measurements are appropriate)

Garage

First: Yes

More Information

Pool Features

Gunite Concrete: Yes
Inground: Yes
Pool House: Yes

Interior Features

Floor – Laminate: Yes
Floor – Tile: Yes
Pantry: Yes

Construction/Siding

Block: Yes
Foundation – Slab on Grade: Yes
Roof – Asphalt: Yes
Siding – Stucco: Yes

Exterior

Patio Open: Yes
Porch Covered: Yes
Sprinkler System: Yes

Association Fees Include

Management: Yes
Master Association: Yes
Pavilion/Gazebo: Yes
Pool: Yes
Irrigation: Yes

Financing

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

Furnished

Negotiable: Yes

Kitchen

First: Yes

Living Room

First: Yes

Rooms

Bedroom: Yes
Full Bathroom: Yes
Garage: Yes
Half Bathroom: Yes
Kitchen: Yes
Living Room: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Public Sewer – Connected: Yes
Underground Utilities: Yes

Full Bathroom

Second: Yes

Half Bathroom

First: Yes

Primary Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Central Air: Yes

Heating

Forced Air: Yes

Primary Bathroom

Second: Yes

Property Features

Full Bathroom: Second Half Bathroom: First Primary Bedroom: Second Bedroom: Second Cooling: Central Air Heating: Forced Air Exterior: Patio Open; Porch Covered; Sprinkler System Association Fees Include: Irrigation; Management; Master Association; Pavilion/Gazebo; Pool Financing: Cash; Conventional; FHA; VA; Other Furnished: Negotiable Kitchen: First Living Room: First Primary Bathroom: Second Garage: First Pool Features: Gunite Concrete; Inground; Pool House Rooms: Bedroom; Full Bathroom; Garage; Half Bathroom; Kitchen; Living Room; Primary Bathroom; Primary Bedroom Showing: ShowingTime Utilities: Public Sewer – Connected; Underground Utilities

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	Second	20 x 20	20.00	20.00
Bedroom	Second	14 x 12	14.00	12.00
Bedroom	Second	12 x 12	12.00	12.00
Primary Bathroom	Second	12 x 8	12.00	8.00
Full Bathroom	Second	12 x 8	12.00	8.00
Half Bathroom	First	10 x 6	10.00	6.00
Living Room	First	18 x 25	18.00	25.00
Kitchen	First	15 x 10	15.00	10.00
Garage	First	20 x 12	20.00	12.00

Listing Office: Beycome of Florida LLC

Last Updated: September – 17 – 2026

Information deemed reliable but not guaranteed.