1164 Cove Pointe Drive, Panama City, FL 32401 (MLS# 774663)

1164 Cove Pointe Drive, Panama City, FL 32401

$2,349,000

Virtual Tour

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Cabalina 1811F Elevation C FrontDuskSky-

Cabalina 1811F Elevation C Front Dayligh

Cabalina 1811F Owner's Bathroom Brighter

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 3,574 Lot Size (sq. ft.): 24,394 Status: Active

Current Price: $2,349,000 List Date: 1/02/2026 Last Modified: 2/03/2026

Overview

Description

Waterfront Luxury – Fully Furnished Arthur Rutenberg Home – where elegance meets effortless living. This fully furnished, professionally decorated AR Homes by Arthur Rutenberg Home offers over 5,000 total square feet under roof and is ready for immediate move-in. Situated on 154 feet of deep-water bayou frontage, this 4-bedroom plus den residence showcases soaring vaulted ceilings, exposed beams, and designer finishes throughout. The home includes a Home Delivery Center for secure, contact-free package drop-off, and features expansive disappearing glass walls that open to a resort-style outdoor living area with a vanishing-edge pool, outdoor kitchen, lanai, and cabana. Located in the upscale community of Cove Pointe, with low HOA dues, this exceptional property offers direct access to Shell Island and the Gulf of America. Offered fully furnished, this is a rare opportunity to own a turnkey luxury waterfront home designed for both everyday comfort and high-end entertaining.

Listing Details MLS# 774663

Contract Info

List Price/SqFt: 657.25

Location

Area: 02 – Bay County – Central
Street #: 1164
Street Name: Cove Pointe
Street Suffix: Drive
State: FL
Zip Code: 32401
County: Bay
Sub Area: 0203 – Bay – Central SW
Subdivision: Cove Pointe
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 21267-106-000
Elementary School: Cherry Street
Middle School: Jinks
High School: Bay
Directions: Headed South on Martin Luther King Jr Blvd, left onto Bus 98, right onto E Fourth st, becomes Mercedes, left onto E Third Ct, enter into Cove Pointe, take a right and follow circle, pass round about and home is on the right.
Legal Description: COVE POINTE LOT 6 ORB 4506 P 176

General Property Info

Sub-Type: Detached Single Family
Design: West Indies
Apx SqFt(Htd/Cooled): 3574
SqFt Source: Builders Plans
Full Baths: 4
Total Baths: 4
Year Built: 2023
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 3
Covered Spaces: 3
Driveway Spaces: 4
Lot Dimensions: Irregular
Acreage: 0.56
Lot Size (SqFt): 24394
Pool: Yes
Pool Type: Private

Waterfront Feature

Waterfront Feet: 154
Shore – Natural: Yes

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 776
HOA Frequency: Annually
HOA Annual Amount: 776
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 16092
Last Tax Year: 2024
Lot: 6
Brokerage Interest: Owner Outside Licensee – Owner is a licensed real estate broker or salesperson.
As Is: Yes
Condo Doc: No

Remarks & Misc

Remarks: Waterfront Luxury – Fully Furnished Arthur Rutenberg Home – where elegance meets effortless living. This fully furnished, professionally decorated AR Homes by Arthur Rutenberg Home offers over 5,000 total square feet under roof and is ready for immediate move-in. Situated on 154 feet of deep-water bayou frontage, this 4-bedroom plus den residence showcases soaring vaulted ceilings, exposed beams, and designer finishes throughout. The home includes a Home Delivery Center for secure, contact-free package drop-off, and features expansive disappearing glass walls that open to a resort-style outdoor living area with a vanishing-edge pool, outdoor kitchen, lanai, and cabana. Located in the upscale community of Cove Pointe, with low HOA dues, this exceptional property offers direct access to Shell Island and the Gulf of America. Offered fully furnished, this is a rare opportunity to own a turnkey luxury waterfront home designed for both everyday comfort and high-end entertaining.

More Information

Den

First: Yes

Dining Room

First: Yes

Great Room

First: Yes

Other

First: Yes

Pool Features

Gunite Concrete: Yes
Heated – Gas: Yes
Inground: Yes
Infinity: Yes
Spa/ Hot Tub: Yes

Appliances

Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
ENERGY STAR Qualified Appliances: Yes
Instant Hot Water: Yes
Microwave: Yes
Oven – Convection: Yes
Range Hood: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Gas: Yes
Water Heater – Tankless: Yes

Interior Features

Ceiling – Beamed: Yes
Ceiling – Vaulted: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Window – Treatment Some: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Dimensional Shg: Yes
Roof – Gutters: Yes
Roof – Membrane: Yes
Siding – Hardie Board: Yes
Siding – Stucco: Yes

Exterior

Summer Kitchen: Yes
Porch Covered: Yes
Sprinkler System: Yes

Association Fees Include

Dock: Yes

Financing

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

Furnished

Furnished: Yes

Interior

Bonus Room: Yes
Floor – Carpet: Yes
Smart Thermostat: Yes

Lot Features

Covenants & Rescrictions: Yes
Landscaped: Yes
Sloping: Yes
Topographical Survey: Yes
Waterfront: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBed Walk-in Closet: Yes
MBed Waterfront: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Den: Yes
Dining Room: Yes
Great Room: Yes
Master Bedroom: Yes
Other: Yes

Showing

ShowingTime: Yes

Utilities

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

Sale Type

As Is: Yes

Waterfront Type

Bayou w/ Gulf Access: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
ENERGY STAR Qualified Equipment: Yes
Gas: Yes
Multi Units: Yes
Zoned: Yes

Heating

Central: Yes

Security Features

Security System: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Dryer; ENERGY STAR Qualified Appliances; Instant Hot Water; Microwave; Oven – Convection; Range Hood; Refrigerator; Washer; Water Heater – Gas; Water Heater – Tankless Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; ENERGY STAR Qualified Equipment; Gas; Multi Units; Zoned Heating: Central Exterior: Summer Kitchen; Porch Covered; Sprinkler System Association Fees Include: Dock Financing: Cash; Conventional; FHA; VA Furnished: Furnished Interior: Bonus Room; Floor – Carpet; Smart Thermostat Lot Features: Covenants & Rescrictions; Landscaped; Sloping; Topographical Survey; Waterfront Lot Access: Paved Road Den: First Dining Room: First Great Room: First Other: First Pool Features: Gunite Concrete; Heated – Gas; Inground; Infinity; Spa/ Hot Tub Security Features: Security System; Smoke Detector(s) Parking Features: Driveway; Garage Attached; Garage Door Opener Rooms: Bedroom; Den; Dining Room; Great Room; Master Bedroom; Other Sale Type: As Is Showing: ShowingTime Utilities: Cable – Available; Electricity – Connected; Garbage; Internet – Broadband Available; Natural Gas – Connected; Public Sewer – Connected Waterfront Type: Bayou w/ Gulf Access Waterfront Feature: Shore – Natural Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Master Bedroom	First	19 x 14.11	19.00	14.11
Bedroom	First	12.4 x 13.4	12.40	13.40
Bedroom	First	13.3 x 13.4	13.30	13.40
Bedroom	First	14 x 19.7	14.00	19.70	Bedroom or Flex Space
Den	First	14 x 12	14.00	12.00
Great Room	First	21.1 x 18.8	21.10	18.80
Dining Room	First	13.11 x 18.11	13.11	18.11
Other	First	12.8 x 18	12.80	18.00	Lanai
Other	First	25.1 x 13.3	25.10	13.30	Cabana

Listing Office: Coldwell Banker Realty

Last Updated: February – 03 – 2026

Information deemed reliable but not guaranteed.