Homes Land & Shore

125 Carriage Road, Panama City, FL 32404 (MLS# 791953)

125 Carriage Road, Panama City, FL 32404

New Listing
$340,000
Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,820 Lot Size (sq. ft.): 4,792 Status: Active
Current Price: $340,000 List Date: 6/27/2026 Last Modified: 6/27/2026

Overview

Description

Welcome to Bridge Harbor! 2.99% Assumable VA loan! Built in 2021, this Monroe floor plan features 3-bedroom, 2.5-bath with approximately 1,800+ square feet of thoughtfully designed living space and is conveniently located directly across the street from the bay where you will find public beach access. The open-concept floor plan features abundant natural light, 9 foot ceilings, luxury vinyl plank flooring throughout the main living areas, a spacious living room, and a well-appointed kitchen with granite countertops, stainless steel appliances, tile backsplash, ample cabinet space, pantry, breakfast bar, and coffee/wine bar. A convenient half bath is located on the first floor. All bedrooms are located upstairs, including the spacious primary suite featuring a private balcony with bay views. The ensuite bath offers a double vanity, soaking tub, and separate shower. Two additional bedrooms and a full guest bath provide flexibility for family, guests, a home office, or workout …

Listing Details MLS# 791953

Contract Info

List Price/SqFt
186.81

Location

Area
02 – Bay County – Central
Street #
125
Street Name
Carriage
Street Suffix
Road
State
FL
Zip Code
32404
County
Bay
Sub Area
0202 – Bay – Central SE
Subdivision
Bridge Harbor
Community/Resort
None
Waterfront
No
Parcel ID
07379-900-320
Elementary School
Parker
Middle School
Rutherford Middle
High School
Rutherford
Directions
Go South on N Tyndall Pkwy to Boat Race Road. Take a left onto Boat Race Road, continue to Bridge Harbor Drive. Turn right into Bridge Harbor, take a left onto Osprey Lake Road, then right on Red Bay Roadd.
Legal Description
BRIDGE HARBOR INLET LOT 64 ORB 4821 P 874

General Property Info

Sub-Type
Detached Single Family
Design
Contemporary
Apx SqFt(Htd/Cooled)
1820
SqFt Source
Builders Plans
Full Baths
2
Half Baths
Yes
Total Baths
3
# of Stories in Building
2
Year Built
2021
Construction Status
Construction Complete
New Construction
No
Garage Y/N
Yes
Garage Spaces
Yes
Lot Dimensions
45.0 ft x 110.0 ft
Acreage
0.11
Lot Size (SqFt)
4792
Pool
Yes
Pool Type
Community

Listing Info, Tax and Legal

Homestead
Yes
HOA Fee
Yes
HOA Amount
284.85
HOA Frequency
Quarterly
HOA Annual Amount
1139.4
New Buyer Fee
Yes
New Buyer Fee Amt
384.85
New Buyer Fee Paid
$
Last Tax Year
2025
Brokerage Interest
No Interest

Remarks & Misc

Remarks
Welcome to Bridge Harbor! 2.99% Assumable VA loan! Built in 2021, this Monroe floor plan features 3-bedroom, 2.5-bath with approximately 1,800+ square feet of thoughtfully designed living space and is conveniently located directly across the street from the bay where you will find public beach access. The open-concept floor plan features abundant natural light, 9 foot ceilings, luxury vinyl plank flooring throughout the main living areas, a spacious living room, and a well-appointed kitchen with granite countertops, stainless steel appliances, tile backsplash, ample cabinet space, pantry, breakfast bar, and coffee/wine bar. A convenient half bath is located on the first floor. All bedrooms are located upstairs, including the spacious primary suite featuring a private balcony with bay views. The ensuite bath offers a double vanity, soaking tub, and separate shower. Two additional bedrooms and a full guest bath provide flexibility for family, guests, a home office, or workout space. Outdoor features include a covered rear patio, fenced backyard, a playset, a garden, a separate irrigation meter, irrigation & drip system, and quite a few mature well planned fruit trees (Dorset Gooden & Anna Apple, Bearss Lime, Hamlin Orange, Gulf Beauty Plum, Black Berry and Blueberry bushes). Residents of Bridge Harbor enjoy access to a resort-style community pool with ample sidewalks and green spaces throughout the neighborhood. Conveniently located approximately 6.2 miles from Tyndall Air Force Base, 16 miles from NSA Panama City, and 24 miles from Panama City Beach. Qualified buyers may have the opportunity to assume the existing VA loan at an interest rate of 2.99%.

Dining Room

First
Yes

More Information

Pool Features

Fenced
Yes
Inground
Yes
Pool House
Yes

Appliances

Dishwasher
Yes
Disposal
Yes
ENERGY STAR Qualified Appliances
Yes
Microwave
Yes
Oven – Electric
Yes
Refrigerator
Yes
Water Heater – Electric
Yes
Wine Refrigerator
Yes

Interior Features

Breakfast Bar
Yes
Floor – Vinyl Plank
Yes
Lighting – Recessed
Yes
Pantry
Yes
Security System
Yes
Stairs
Yes
Window – Treatment Some
Yes

Construction/Siding

Foundation – Slab on Grade
Yes
Roof – Composite Shngl
Yes
Siding – Hardie Board
Yes
Trim – Vinyl
Yes

Exterior

Balcony
Yes
Deck Open
Yes
Double Pane Windows
Yes
Fenced Back Yard
Yes
Fenced Privacy
Yes
Porch Covered
Yes
Sprinkler System
Yes

Association Fees Include

Accounting
Yes
Beach
Yes
Fishing
Yes
Insurance
Yes
Management
Yes
Picnic Area
Yes
Pool
Yes

Financing

Assume w/int
Yes
Cash
Yes
Conventional
Yes
FHA
Yes
USDA
Yes
VA
Yes
Other
Yes

Furnished

Unfurnished
Yes

Interior

Smart Home
Yes
Smart Thermostat
Yes

Kitchen

First
Yes

Living Room

First
Yes

Lot Features

Covenants & Rescrictions
Yes
Landscaped
Yes
Near Beach Access
Yes
Near Public Boat Ramp
Yes
Subdivision – Recorded
Yes
Sidewalk
Yes
Survey Available
Yes
Within 1/2 Mile to Water
Yes

Lot Access

City Street
Yes
Paved Road
Yes

Parking Features

Driveway
Yes
Garage Attached
Yes

Present Zoning

City
Yes
Resid Single Family
Yes

Association Amenities

Beach
Yes
Picnic Area
Yes
Pool
Yes

Rooms

Bedroom
Yes
Dining Room
Yes
Kitchen
Yes
Living Room
Yes
Primary Bedroom
Yes

Utilities

Electricity – Connected
Yes
Public Sewer – Connected
Yes
Public Water – Connected
Yes
Tap Fee Paid
Yes
Underground Utilities
Yes

Waterview

Bay
Yes

Primary Bedroom

Second
Yes

Bedroom

Second
Yes

Cooling

Ceiling Fan(s)
Yes
Central Air
Yes
Electric
Yes

Heating

Central
Yes
Electric
Yes
ENERGY STAR Qualified Equipment
Yes

Primary Bdrm/Primary Bath

MBath Double Vanity
Yes
MBath Separate Shwr
Yes
MBath Tub – Soaking
Yes
MBed Balcony
Yes
MBed Walk-in Closet
Yes

Security Features

Security System
Yes

Property Features

Appliances: Dishwasher; Disposal; ENERGY STAR Qualified Appliances; Microwave; Oven – Electric; Refrigerator; Water Heater – Electric; Wine Refrigerator Primary Bedroom: Second Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric; ENERGY STAR Qualified Equipment Exterior: Balcony; Deck Open; Double Pane Windows; Fenced Back Yard; Fenced Privacy; Porch Covered; Sprinkler System Association Fees Include: Accounting; Beach; Fishing; Insurance; Management; Picnic Area; Pool Financing: Assume w/int; Cash; Conventional; FHA; USDA; VA; Other Furnished: Unfurnished Interior: Smart Home; Smart Thermostat Kitchen: First Living Room: First Lot Features: Covenants & Rescrictions; Landscaped; Near Beach Access; Near Public Boat Ramp; Sidewalk; Subdivision – Recorded; Survey Available; Within 1/2 Mile to Water Lot Access: City Street; Paved Road Dining Room: First Pool Features: Fenced; Inground; Pool House Security Features: Security System Parking Features: Driveway; Garage Attached Association Amenities: Beach; Picnic Area; Pool Rooms: Bedroom; Dining Room; Kitchen; Living Room; Primary Bedroom Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected; Tap Fee Paid; Underground Utilities Waterview: Bay Present Zoning: Resid Single Family

Room Information

Room Name Level Dimensions Length Width
Kitchen First 12.8 x 11.6 12.80 11.60
Dining Room First 9.7 x 9.6 9.70 9.60
Living Room First 15.2 x 15.2 15.20 15.20
Primary Bedroom Second 15.4 x 14.2 15.40 14.20
Bedroom Second 12.4 x 11.7 12.40 11.70
Bedroom Second 12.5 x 11.4 12.50 11.40
Listing Office: Anchor Realty Florida
Last Updated: June – 27 – 2026
Information deemed reliable but not guaranteed.
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