109 Sand Oak Boulevard, Panama City Beach, FL 32413
$295,000
Property Type:
Residential
Bedrooms:
3
Baths:
3
Square Footage:
1,560
Status:
Active
Current Price:
$295,000
List Date:
6/10/2026
Last Modified:
7/09/2026
Listing Details MLS# 790203
Contract Info
- List Price/SqFt
- 189.1
Location
- Area
- 03 – Bay County – Beach
- Street #
- 109
- Street Name
- Sand Oak
- Street Suffix
- Boulevard
- State
- FL
- Zip Code
- 32413
- County
- Bay
- Sub Area
- 0322 – Beach – North West
- Subdivision
- Whisper Dunes
- Community/Resort
- Whisper Dunes
- Waterfront
- No
- Parcel ID
- 35350-105-000
- Elementary School
- West Bay
- Middle School
- Surfside
- High School
- Arnold
- Directions
- From Hwy 79 and Panama City Beach Pkwy. -West on Panama City Beach Parkway 3.3 miles to right into Whisper Dunes – travel straight thru the roundabout remaining on Sand Oak Blvd to left on Sand Oak Blvd. – Home is on the left.
- Legal Description
- WHISPER DUNES, PHASE 1-A LOT 5 ORB 4051 P 1879
General Property Info
- Sub-Type
- Attached Single Unit
- Design
- Townhome
- Apx SqFt(Htd/Cooled)
- 1560
- SqFt Source
- Prop App Site
- Full Baths
- 2
- Half Baths
- Yes
- Total Baths
- 3
- Year Built
- 2008
- Immediate Occupancy
- Yes
- Construction Status
- Construction Complete
- New Construction
- No
- Garage Y/N
- Yes
- Garage Spaces
- Yes
- Driveway Spaces
- 2
- Lot Dimensions
- 20X127
- Pool
- Yes
- Pool Type
- Community
Listing Info, Tax and Legal
- Homestead
- No
- HOA Fee
- Yes
- HOA Amount
- 831.3
- HOA Frequency
- Quarterly
- HOA Annual Amount
- 3325.2
- New Buyer Fee
- Yes
- New Buyer Fee Amt
- 0.25
- New Buyer Fee Paid
- %
- Last Taxes
- 2977
- Last Tax Year
- 2025
- Brokerage Interest
- No Interest
- As Is
- Yes
- Township
- PANAMA CITY BEA
Remarks & Misc
- Remarks
- Welcome to 109 Sand Oak Boulevard located in the desirable Whisper Dunes community on the west end of Panama City Beach! This 3-bedroom, 2.5-bath townhome offers a fantastic opportunity for buyers looking to add their own personal touches and build instant value. Priced to sell AS IS, this property is ready for a little TLC including fresh paint and new carpet — making it an excellent option for primary residence buyers, investors, or anyone seeking an affordable beach-area property with great potential. The functional floor plan features a spacious living area, covered front porch, and a 1-car garage with two additional driveway parking spaces. Additional features include a new roof in 2024. Out back, enjoy a private patio area ready to be transformed into your own outdoor living retreat — perfect for relaxing or entertaining. Residents of Whisper Dunes enjoy a pet-friendly community with beautiful landscaping and mature trees throughout, along with a community pool and pavilion/gazebo. Conveniently located near the beaches, Pier Park, dining, shopping, and local attractions, this home offers value, location, and opportunity all in one. With a little TLC, this property has the potential to truly shine.
Appliances
- Dishwasher
- Yes
- Disposal
- Yes
- Microwave
- Yes
- Oven – Electric
- Yes
- Range – Electric
- Yes
- Refrigerator
- Yes
- Water Heater – Electric
- Yes
More Information
Interior Features
- Floor – Tile
- Yes
- Stairs
- Yes
- Window – Treatment All
- Yes
Construction/Siding
- Foundation – Slab on Grade
- Yes
- Roof – Composite Shngl
- Yes
- Siding – Stucco
- Yes
Exterior
- Patio Open
- Yes
- Porch Covered
- Yes
- Sprinkler System
- Yes
Association Fees Include
- Accounting
- Yes
- Ground Keeping
- Yes
- Legal
- Yes
- Management
- Yes
- Pavilion/Gazebo
- Yes
- Pest Control
- Yes
- Picnic Area
- Yes
- Pool
- Yes
Financing
- Cash
- Yes
- Conventional
- Yes
- FHA
- Yes
- VA
- Yes
Furnished
- Unfurnished
- Yes
Interior
- Floor – Carpet
- Yes
Kitchen
- First
- Yes
Living Room
- First
- Yes
Lot Access
- Paved Road
- Yes
Parking Features
- Driveway
- Yes
- Garage Attached
- Yes
- Paved
- Yes
Association Amenities
- Pavilion/Gazebo
- Yes
- Picnic Area
- Yes
- Pool
- Yes
Rooms
- Bedroom
- Yes
- Kitchen
- Yes
- Living Room
- Yes
- Primary Bedroom
- Yes
Utilities
- Electricity – Connected
- Yes
- Public Sewer – Connected
- Yes
- Public Water – Connected
- Yes
- Underground Utilities
- Yes
Sale Type
- As Is
- Yes
Primary Bedroom
- Second
- Yes
Bedroom
- Second
- Yes
Cooling
- Ceiling Fan(s)
- Yes
- Central Air
- Yes
- Electric
- Yes
Heating
- Central
- Yes
- Electric
- Yes
Primary Bdrm/Primary Bath
- MBath Shower Only
- Yes
- MBed Walk-in Closet
- Yes
Property Features
Appliances:
Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric
Primary Bedroom:
Second
Bedroom:
Second
Cooling:
Ceiling Fan(s); Central Air; Electric
Heating:
Central; Electric
Exterior:
Patio Open; Porch Covered; Sprinkler System
Association Fees Include:
Accounting; Legal; Ground Keeping; Management; Pavilion/Gazebo; Pest Control; Picnic Area; Pool
Financing:
Cash; Conventional; FHA; VA
Furnished:
Unfurnished
Interior:
Floor – Carpet
Kitchen:
First
Living Room:
First
Lot Access:
Paved Road
Parking Features:
Driveway; Garage Attached; Paved
Association Amenities:
Pavilion/Gazebo; Picnic Area; Pool
Rooms:
Bedroom; Kitchen; Living Room; Primary Bedroom
Sale Type:
As Is
Utilities:
Electricity – Connected; Public Sewer – Connected; Public Water – Connected; Underground Utilities
Room Information
| Room Name | Level | Dimensions | Length | Width | Remarks |
|---|---|---|---|---|---|
| Primary Bedroom | Second | 16 x 11 | 16.00 | 11.00 | |
| Bedroom | Second | 10 x 9 | 10.00 | 9.00 | |
| Bedroom | Second | 12 x 9 | 12.00 | 9.00 | |
| Kitchen | First | 11 x 9 | 11.00 | 9.00 | |
| Living Room | First | 18 x 14 | 18.00 | 14.00 | Living/Dining Combo |
Listing Office:
Realty One Group Emerald Coast
Last Updated: July – 09 – 2026
Information deemed reliable but not guaranteed.