116 Smugglers Cove Court, Panama City Beach, FL 32413 (MLS# 777615)

116 Smugglers Cove Court, Panama City Beach, FL 32413

$949,000

Bedroom Downstairs that is a Mother In Law Suite

Property Type: Residential Bedrooms: 5 Baths: 4 Square Footage: 2,822 Lot Size (sq. ft.): 37,462 Status: Active

Current Price: $949,000 List Date: 2/17/2026 Last Modified: 2/17/2026

Overview

Description

Significant Price Improvement. Experience coastal living at exceptional value. This is a great opportunity! Your One-of-a-Kind Beach Retreat-Steps from the Gulf. Welcome to this stunning, fully furnished beach house just few steps from the Gulf of America. Designed with comfort, elegance and durability in mind, this home offers a rare combination of coastal charm and high end features. Relax on any of the multiple balconies where you can feel the ocean breeze and soak in views of the Gulf and nearby lake. The third floor balcony offers the best of both worlds-gorgeous water views in every direction. Inside, the owner's impeccable taste is evident in every detail. Hurricane proof windows rated to withstand up to 155 mph provide peace of mind, while front-facing windows and transoms are tinted for added privacy and comfort. A private elevator accommodates up to 4 people (1000 lbs), making every level of the home easily accessible. The open-concept living areas feature crown m … (Read more)

Listing Details MLS# 777615

Contract Info

List Price/SqFt: 336.29

Location

Area: 03 – Bay County – Beach
Street #: 116
Street Name: Smugglers Cove
Street Suffix: Court
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0324 – Beach – West Central
Subdivision: Lakes At Summer Breeze
Community/Resort: None
Waterfront: No
Parcel ID: 38333-050-554
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From Front Beach Rd E to N Carribean Way, pass Mcguires Restaurant, right and left onto Smugglers Cove Ct. House is on the right near the cul de sac.
Legal Description: LAKES AT SUMMER BREEZE 21A1 LOT 4 BLK E ORB 4423 P 620

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2822
SqFt Source: An Appraiser
Full Baths: 4
Total Baths: 4
# of Stories in Building: 3
Year Built: 2004
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 60×63
Acreage: 0.86
Lot Size (SqFt): 37462
Pool: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 400
HOA Frequency: Annually
HOA Annual Amount: 400
New Buyer Fee: No
Last Taxes: 4245
Last Tax Year: 2024
Brokerage Interest: No Interest
Section: 13
Township: 3S
Range: 17W
Condo Doc: No

Remarks & Misc

Remarks: Significant Price Improvement. Experience coastal living at exceptional value. This is a great opportunity! Your One-of-a-Kind Beach Retreat-Steps from the Gulf. Welcome to this stunning, fully furnished beach house just few steps from the Gulf of America. Designed with comfort, elegance and durability in mind, this home offers a rare combination of coastal charm and high end features. Relax on any of the multiple balconies where you can feel the ocean breeze and soak in views of the Gulf and nearby lake. The third floor balcony offers the best of both worlds-gorgeous water views in every direction. Inside, the owner's impeccable taste is evident in every detail. Hurricane proof windows rated to withstand up to 155 mph provide peace of mind, while front-facing windows and transoms are tinted for added privacy and comfort. A private elevator accommodates up to 4 people (1000 lbs), making every level of the home easily accessible. The open-concept living areas feature crown molding thoughout, rich bamboo wood floors, and tile in the kitchen and bathrooms. The gourmet kitchen boasts granite countertops, abundant cabinetry, and stainless steel appliances, while each bathroom also features elegant granite finishes. Special touches include a central vacuum system for convenience, a tankless water heater for energy savings, and a split garage with ample space for tools and storage. The inviting living room offers an electric fireplace-perfect for cozy nights in. The first floor bedroom serves beautifully as a private mother-in-law suite, providing flexibility for guests or extended family. This home is a perfect blend of style, comfort and strength, a true coastal gem ready for its next chapter. Please schedule your private showing on this one of a kind property now!

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Range Hood: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes
Water Heater – Tankless: Yes
Wine Refrigerator: Yes

More Information

Interior Features

Ceiling – Crwn Molding: Yes
Ceiling – Vaulted: Yes
Central Vacuum: Yes
Elevator: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Pantry: Yes
Security System: Yes
Stairs: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Metal: Yes
Siding – Hardie Board: Yes

Exterior

Balcony: Yes
Fenced Lot-Part: Yes
Fireplace: Yes
Tinted Windows: Yes

Association Fees Include

Accounting: Yes

Financing

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

Furnished

Furnished: Yes

Lot Features

Cul-De-Sac: Yes
Near Beach Access: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Garage Attached: Yes
Garage Door Opener: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed Sitting Area: Yes
MBed Waterfront: Yes
See Remarks: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Other – See Remarks: Yes

Rooms

Bedroom: Yes
Master Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Natural Gas – Connected: Yes
Internet – Broadband Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Gulf: Yes
Lake: Yes

Sale Type

As Is: Yes

Master Bedroom

Third: Yes

Bedroom

First: Yes
Second: Yes
Third: Yes

Cooling

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

Heating

Electric: Yes
Fireplace – Electric: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Dryer; Microwave; Oven – Electric; Range – Electric; Range Hood; Refrigerator; Washer; Water Heater – Electric; Water Heater – Tankless; Wine Refrigerator Master Bedroom: Third Bedroom: First; Second; Third Cooling: Ceiling Fan(s); Central Air; Electric Heating: Electric; Fireplace – Electric Exterior: Balcony; Fenced Lot-Part; Fireplace; Tinted Windows Association Fees Include: Accounting Financing: Cash; Conventional; FHA; VA Furnished: Furnished Lot Features: Cul-De-Sac; Near Beach Access; Within 1/2 Mile to Water Lot Access: Paved Road Parking Features: Garage Attached; Garage Door Opener Association Amenities: Other – See Remarks Rooms: Bedroom; Master Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Garbage; Internet – Broadband Available; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Waterview: Gulf; Lake Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Master Bedroom	Third	12 x 12	12.00	12.00	Spacious Master Bedroom with its own balcony over looking the gulf and the lakes.
Bedroom	Third	11 x 12	11.00	12.00
Bedroom	Third	11 x 12	11.00	12.00
Bedroom	First	11 x 10	11.00	10.00	Ground Floor bedroom that can be used as a mother in law room.
Bedroom	Second	11 x 10	11.00	10.00

Listing Office: Better Homes and Gardens Coast Properties

Last Updated: February – 17 – 2026

Information deemed reliable but not guaranteed.