1111 Clay Avenue, Panama City, FL 32401 (MLS# 795106)

1111 Clay Avenue, Panama City, FL 32401

New Listing

$288,000

This 2 bed, 2 bath house near St. Andrews Bay is ready to move in.

The front is brick and has a 1-car garage.

This is a view of the covered and screened back patio.

This is a view of the back yard looking from the patio.

This is a good area to relax and maybe throw something on the grill.

The back yard has a lot of possibilities.

It looks like a good place for a garden.

There is room for outside storage or a workshop.

The gate to the back yard is on the right side of the house.

The large eat-in kitchen is open for cooking.

This is a view looking from the kitchen toward the front of the house.

This is a view from the kitchen looking toward the utility room.

There is a double well stainless steel sink.

This is a view of the kitchen as you walk in from the living room.

Look out over the fenced yard while you eat.

The Kitchen Aid refrigerator has a bottom freezer, 3 doors, and ice and water through the door.

The Kitchen Aid dishwasher has a stainless steel interior.

There is a wall oven on the bottom and a microwave on the top.

This is the view upon entering through the front door.

Luxury vinyl plank flooring was recently installed in the living room, hallway and hall bathroom.

There are double windows to let in more natural sunlight.

This is the view looking from the living room toward the back of the home.

The light colored LVP adds a nice touch.

There are double windows in one of the bedrooms.

In both bedrooms there are double closets for storage.

This is a view of the hallway bathroom that has a tall cabinet for storage.

The hallway bathroom features a tub/shower combo.

From the back main bedroom there is a nice view of the backyard via the double windows.

This a view of looking toward the master bathroom.

The master bathroom suite has a frosted glass window for more light.

There is also a seat in the master bath shower.

The one piece sink and counter top is easy to clean.

Just off the kitchen is a utility room that can also serve as a pantry.

The sink is convenient to wash up after yard work or coming home from the beach. The cabinets provide extra storage as well as the shelving.

The garage is a good place to store a golf cart, jet ski or other items.

The garage floor has been painted, sealed and has sprinkles mixed in.

The work bench comes in handy when working on small projects.

Just 3 blocks away is a small neighborhood rest area overlooking St. Andrews Bay.

These are the 2 most popular spots in the neighborhood rest area to watch the sun go down over the water.

Less than a quarter of a mile is a beautiful park close to the marina.

There are walking paths at the park and some good spots for a picnic.

Most all of the trees in the park are oaks.

Right beside the park is St. Andrews Marina.

The wide concrete boat launch is free along with parking.

Launching from the marina you can be at Shell Island is just a few minutes.

Watching the sunset from here is a great way to end the evening. There are plenty of restaurants in the 3 block area.

From the house it is only a couple of minutes away via a golf cart.

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,064 Lot Size (sq. ft.): 9,148 Status: Active

Current Price: $288,000 List Date: 9/07/2026 Last Modified: 9/07/2026

Overview

Description

This home in the St. Andrews area is ready to move in. This 2 bedroom, 2 bath house features an attached garage, covered front porch, screened in back porch, and the back yard has a privacy fence. It was built in 2000 and been well maintained. It is flat, no steps, new roof in 2018 and leaf guards on the gutters, and the hot water heater was replaced in 2024. The big eat-in kitchen has a ton of cabinets, plenty of counter space, recessed lighting, stainless steel double sink, a wall oven, wall microwave, dishwasher and a refrigerator with ice and water through the door. All the appliances are Kitchen Aid. The garage has a sealed concrete floor painted gray with sprinkles for a neat appearance. Both bedrooms have carpet, and the living room and hall bathroom has new luxury vinyl plank flooring. There are 2 windows in the kitchen that overlook the privacy fenced back yard. The 12×12 screened back porch is a quiet place to relax. About 4 blocks is a cute park on St. Andrews Bay to watch t … (Read more)

Listing Details MLS# 795106

Contract Info

List Price/SqFt: 270.68

Location

Area: 02 – Bay County – Central
Street #: 1111
Street Name: Clay
Street Suffix: Avenue
State: FL
Zip Code: 32401
County: Bay
Sub Area: 0203 – Bay – Central SW
Subdivision: [No Recorded Subdiv]
Community/Resort: None
Waterfront: No
Parcel ID: 29881-000-000
Elementary School: Lucille Moore
Middle School: Jinks
High School: Bay
Directions: From St. Andrews Marina, go east on 11th Street to left on Clay Avenue, house on left.
Legal Description: 1 4S 15W NE1/4 LOT 3 BLK 31 ORB 1884 P 964

General Property Info

Sub-Type: Detached Single Family
Design: Ranch
Apx SqFt(Htd/Cooled): 1064
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
# of Stories in Building: Yes
Accessory Dwelling Unit: No
Year Built: 2000
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Driveway Spaces: 2
Lot Dimensions: 66.0 ft x 140.0 ft
Acreage: 0.21
Lot Size (SqFt): 9148
Pool: No

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 586.6
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: This home in the St. Andrews area is ready to move in. This 2 bedroom, 2 bath house features an attached garage, covered front porch, screened in back porch, and the back yard has a privacy fence. It was built in 2000 and been well maintained. It is flat, no steps, new roof in 2018 and leaf guards on the gutters, and the hot water heater was replaced in 2024. The big eat-in kitchen has a ton of cabinets, plenty of counter space, recessed lighting, stainless steel double sink, a wall oven, wall microwave, dishwasher and a refrigerator with ice and water through the door. All the appliances are Kitchen Aid. The garage has a sealed concrete floor painted gray with sprinkles for a neat appearance. Both bedrooms have carpet, and the living room and hall bathroom has new luxury vinyl plank flooring. There are 2 windows in the kitchen that overlook the privacy fenced back yard. The 12×12 screened back porch is a quiet place to relax. About 4 blocks is a cute park on St. Andrews Bay to watch the sun go down. Less than a quarter mile is St. Andrews Marina that has a variety of restaurants, shopping, free boat launch and parking. Come check it out!

Garage

First: Yes

More Information

Screened Porch

First: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Oven – Electric: Yes
Range Hood: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Vinyl Plank: Yes
Lighting – Recessed: Yes

Construction/Siding

Brick: Yes
Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Roof – Gutters: Yes
Siding – Vinyl: Yes
Trim – Vinyl: Yes

Exterior

Deck Covered: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Porch Covered: Yes
Porch Screened: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes

Lot Features

Near Beach Access: Yes
Near Public Boat Ramp: Yes

Lot Access

City Street: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Garage: Yes
Screened Porch: Yes

Utilities

Electric 220/240: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Sale Type

As Is: Yes

Cooling

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

Heating

Electric: Yes
Heat Pump: Yes

Primary Bdrm/Primary Bath

MBath Shower Only: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Oven – Electric; Range Hood; Refrigerator; Water Heater – Electric Cooling: Ceiling Fan(s); Central Air; Electric; Heat Pump Heating: Electric; Heat Pump Exterior: Deck Covered; Double Pane Windows; Fenced Back Yard; Fenced Privacy; Porch Covered; Porch Screened Financing: Cash; Conventional Furnished: Unfurnished Interior: Floor – Carpet Lot Features: Near Beach Access; Near Public Boat Ramp Lot Access: City Street; Paved Road Garage: First Screened Porch: First Parking Features: Driveway; Garage Attached Rooms: Garage; Screened Porch Sale Type: As Is Utilities: Electric 220/240; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Garage	First	20 x 12	20.00	12.00
Screened Porch	First	12 x 12	12.00	12.00

Listing Office: Counts Real Estate Group

Last Updated: September – 07 – 2026

Information deemed reliable but not guaranteed.