116 Smugglers Cove Court, Panama City Beach, FL 32413

$949,000
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

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 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!

More Information MLS# 777615

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

Contract Info

List Price/SqFt: 336.29 Status: Active List Date: 2025-08-14 List Price: $949,000 Current Price: $949,000

Location

Sub Area: 0324 – Beach – West Central Community/Resort: None Waterfront: No 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. Area: 03 – Bay County – Beach Street #: 116 Street Name: Smugglers Cove Street Suffix: Court State: FL Zip Code: 32413 County: Bay Subdivision: Lakes At Summer Breeze Parcel ID: 38333-050-554 Legal Description: LAKES AT SUMMER BREEZE 21A1 LOT 4 BLK E ORB 4423 P 620

General Property Info

Acreage: 0.86 Design: Beach House Lot Size (SqFt): 37462 Apx SqFt(Htd/Cooled): 2822 Immediate Occupancy: Yes Construction Status: Construction Complete SqFt Source: An Appraiser # of Stories in Building: 3 Lot Dimensions: 60×63 New Construction: No Garage Y/N: Yes Garage Spaces: 2 Pool: No Sub-Type: Detached Single Family Bedrooms: 5 Full Baths: 4 Total Baths: 4 Year Built: 2004

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: 1 Dishwasher: 1 Disposal: 1 Dryer: 1 Microwave: 1 Oven – Electric: 1 Range – Electric: 1 Range Hood: 1 Refrigerator: 1 Washer: 1 Water Heater – Electric: 1 Water Heater – Tankless: 1 Wine Refrigerator: 1

Interior Features

Ceiling – Crwn Molding: 1 Ceiling – Vaulted: 1 Central Vacuum: 1 Elevator: 1 Fireplace: 1 Floor – Hardwood: 1 Floor – Tile: 1 Pantry: 1 Security System: 1 Stairs: 1 Window – Treatment All: 1

Construction/Siding

Foundation – Slab on Grade: 1 Wood/Frame: 1 Roof – Metal: 1 Siding – Hardie Board: 1

Exterior

Balcony: 1 Fenced Lot-Part: 1 Fireplace: 1 Tinted Windows: 1

Association Fees Include

Accounting: 1

Financing

Cash: 1 Conventional: 1 FHA: 1 VA: 1

Furnished

Furnished: 1

Lot Features

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

Lot Access

Paved Road: 1

Parking Features

Garage Attached: 1 Garage Door Opener: 1

Mstr Bath / Mstr Bdrm

MBath Double Vanity: 1 MBath Garden Tub: 1 MBath Separate Shwr: 1 MBath Walk-In Closet: 1 MBed Sitting Area: 1 MBed Waterfront: 1 See Remarks: 1

Present Zoning

Resid Single Family: 1

Association Amenities

Other – See Remarks: 1

Rooms

Bedroom: 1 Master Bedroom: 1

Utilities

TV Cable: 1 Electricity – Connected: 1 Garbage: 1 Natural Gas – Connected: 1 Internet – Broadband Available: 1 Public Sewer – Connected: 1 Public Water – Connected: 1

Waterview

Gulf: 1 Lake: 1

Sale Type

As Is: 1

Master Bedroom

Third: 1

Bedroom

First: 1 Second: 1 Third: 1

Cooling

Ceiling Fan(s): 1 Central Air: 1 Electric: 1

Heating

Electric: 1 Fireplace – Electric: 1

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

Master Bedroom Level: Third Dimensions: 12 x 12 Length: 12.00 Width: 12.00 Dimensions: 12 x 12 Remarks: Spacious Master Bedroom with its own balcony over looking the gulf and the lakes. Bedroom Level: Third Dimensions: 11 x 12 Length: 11.00 Width: 12.00 Dimensions: 11 x 12 Bedroom Level: Third Dimensions: 11 x 12 Length: 11.00 Width: 12.00 Dimensions: 11 x 12 Bedroom Level: First Dimensions: 11 x 10 Length: 11.00 Width: 10.00 Dimensions: 11 x 10 Remarks: Ground Floor bedroom that can be used as a mother in law room. Bedroom Level: Second Dimensions: 11 x 10 Length: 11.00 Width: 10.00 Dimensions: 11 x 10
Listing Office: Better Homes and Gardens Coast Properties
Last Updated: February – 17 – 2026
Information deemed reliable but not guaranteed.