13649 Banana Wind Way 31, Panama City Beach, FL 32413

$1,239,120
Property Type: Residential Bedrooms: 5 Baths: 5 Square Footage: 2,128 Lot Size (sq. ft.): 2,396 Status: Active
Current Price: $1,239,120 List Date: 1/16/2026 Last Modified: 1/16/2026

Description

🌴Luxury 5-Bedroom Poolside Cottage at Margaritaville Beach Cottage Resort – Panama City Beach🌴 Your Gateway to Paradise! Experience the ultimate coastal lifestyle at Margaritaville Beach Cottage Resort #31, Panama City Beach’s only full-service beachfront resort. This exceptional 5-bedroom, 4.5-bath Caribbean-inspired cottage offers a rare blend of luxury living, resort-style amenities, and outstanding vacation-rental potential. Offering approximately 2,100+ square feet of heated and cooled living space, plus covered outdoor living areas, this thoughtfully designed home is ideal for personal use, second-home ownership, or potential high-performing short-term rentals. With direct access to the resort-style pool and just steps from the private beach, this property delivers an elevated guest experience even during peak seasons. 🏡The Home Step inside to a bright, coastal-chic retreat where modern beach elegance meets comfort and functionality. The open-concept floor plan is designed for entertaining and effortless living, highlighted by luxury vinyl plank flooring, 10-foot ceilings on the main level, and abundant natural light. The chef-inspired kitchen features white quartz countertops, a large island with seating for four, stainless steel gas appliances including a 36-inch range, and an adjacent dining area with seating for eight—perfect for hosting family and guests. The first-floor primary suite offers privacy and convenience with an ensuite bath featuring dual vanities and a walk-in shower, while a well-placed powder room serves the main living area. Upstairs, the home includes two additional ensuite bedrooms, two guest bedrooms connected by a Jack-and-Jill bath, and a discreetly tucked-away laundry area with built-in storage. Enjoy outdoor living on the furnished patio, ideal for relaxing after a day at the beach or pool. 🌊Resort Lifestyle & Amenities Margaritaville Beach Cottage Resort is a fully built-out, full-service beachfront community offering an impressive lineup of amenities: 580 feet of private beachfront with chair & umbrella service 2.5-acre heated oasis pool 425-foot lazy river and waterslides Poolside food & beverage service Paddleboard and kayak rentals Game lawn and beachfront activities On-site professional rental management team Daily resort services The resort’s multi-level entertainment center is now open and beautifully completed, featuring a full-service restaurant, fully equipped fitness center, arcade, conference and event spaces, creating an exceptional environment for vacation rentals, corporate retreats, family reunions, and group gatherings. 📍Prime Panama City Beach Location Located just 2 miles from Pier Park, owners and guests enjoy easy access to championship golf, premier dining, shopping, entertainment, fishing, boating, and the iconic emerald waters of the Gulf of Mexico. Located 15.7 miles from Northwest Florida Beaches International Airport. ⭐Investment & Lifestyle Opportunity Backed by a globally recognized coastal luxury lifestyle brand and supported by on-site professional rental management, this property represents a rare opportunity to own a luxury poolside cottage in one of Panama City Beach’s most desirable resort communities. Live the dream. Share the dream. Welcome to Margaritaville Beach Cottage Resort #31.

More Information MLS# 783789

Listing Info, Tax and Legal

HOA Fee: Yes HOA Amount: 2225 HOA Frequency: Quarterly HOA Annual Amount: 8900 New Buyer Fee: Yes New Buyer Fee Amt: 5000 Last Taxes: 12447 Last Tax Year: 2025 Brokerage Interest: No Interest As Is: Yes Condo Doc: Yes

Contract Info

List Price/SqFt: 582.29 Status: Active List Date: 2026-01-15 List Price: $1,239,120 Current Price: $1,239,120

Location

Unit #: 31 Sub Area: 0320 – Beach – Middle Central Community/Resort: None Waterfront: No Elementary School: Hutchison Beach Middle School: Surfside High School: Arnold Directions: Margaritaville Beach Cottage Resort is located about 2 miles east of Pier Park directly on Front Beach Road. Area: 03 – Bay County – Beach Street #: 13649 Street Name: Banana Wind Street Suffix: Way State: FL Zip Code: 32413 County: Bay Subdivision: Margaritaville Cottages Parcel ID: 34764-200-310 Legal Description: PANAMA CITY BEACH RESORT LOT 31 MARGARITAVILLE COTTAGES PH 3 ORB 4739 P 1795

General Property Info

Acreage: 0.06 Design: Caribbean Lot Size (SqFt): 2396 Apx SqFt(Htd/Cooled): 2128 Construction Status: Construction Complete SqFt Source: Builders Plans Half Baths: 1 # of Stories in Building: 2 Lot Dimensions: 32 X 76 New Construction: No Garage Y/N: No Pool: Yes Pool Type: Community Sub-Type: Detached Single Family Bedrooms: 5 Full Baths: 4 Total Baths: 5 Year Built: 2023

Remarks & Misc

Remarks: 🌴Luxury 5-Bedroom Poolside Cottage at Margaritaville Beach Cottage Resort – Panama City Beach🌴 Your Gateway to Paradise! Experience the ultimate coastal lifestyle at Margaritaville Beach Cottage Resort #31, Panama City Beach’s only full-service beachfront resort. This exceptional 5-bedroom, 4.5-bath Caribbean-inspired cottage offers a rare blend of luxury living, resort-style amenities, and outstanding vacation-rental potential. Offering approximately 2,100+ square feet of heated and cooled living space, plus covered outdoor living areas, this thoughtfully designed home is ideal for personal use, second-home ownership, or potential high-performing short-term rentals. With direct access to the resort-style pool and just steps from the private beach, this property delivers an elevated guest experience even during peak seasons. 🏡The Home Step inside to a bright, coastal-chic retreat where modern beach elegance meets comfort and functionality. The open-concept floor plan is designed for entertaining and effortless living, highlighted by luxury vinyl plank flooring, 10-foot ceilings on the main level, and abundant natural light. The chef-inspired kitchen features white quartz countertops, a large island with seating for four, stainless steel gas appliances including a 36-inch range, and an adjacent dining area with seating for eight—perfect for hosting family and guests. The first-floor primary suite offers privacy and convenience with an ensuite bath featuring dual vanities and a walk-in shower, while a well-placed powder room serves the main living area. Upstairs, the home includes two additional ensuite bedrooms, two guest bedrooms connected by a Jack-and-Jill bath, and a discreetly tucked-away laundry area with built-in storage. Enjoy outdoor living on the furnished patio, ideal for relaxing after a day at the beach or pool. 🌊Resort Lifestyle & Amenities Margaritaville Beach Cottage Resort is a fully built-out, full-service beachfront community offering an impressive lineup of amenities: 580 feet of private beachfront with chair & umbrella service 2.5-acre heated oasis pool 425-foot lazy river and waterslides Poolside food & beverage service Paddleboard and kayak rentals Game lawn and beachfront activities On-site professional rental management team Daily resort services The resort’s multi-level entertainment center is now open and beautifully completed, featuring a full-service restaurant, fully equipped fitness center, arcade, conference and event spaces, creating an exceptional environment for vacation rentals, corporate retreats, family reunions, and group gatherings. 📍Prime Panama City Beach Location Located just 2 miles from Pier Park, owners and guests enjoy easy access to championship golf, premier dining, shopping, entertainment, fishing, boating, and the iconic emerald waters of the Gulf of Mexico. Located 15.7 miles from Northwest Florida Beaches International Airport. ⭐Investment & Lifestyle Opportunity Backed by a globally recognized coastal luxury lifestyle brand and supported by on-site professional rental management, this property represents a rare opportunity to own a luxury poolside cottage in one of Panama City Beach’s most desirable resort communities. Live the dream. Share the dream. Welcome to Margaritaville Beach Cottage Resort #31.

Great Room

First: 1

Pool Features

Heated – Electric: 1 Inground: 1

Appliances

Cooktop – Gas: 1 Dishwasher: 1 Disposal: 1 Dryer: 1 ENERGY STAR Qualified Appliances: 1 Ice Maker: 1 Microwave: 1 Oven – Electric: 1 Refrigerator: 1 Washer: 1

Interior Features

Ceiling – Raised: 1 Floor – Vinyl: 1 Floor – Vinyl Plank: 1 Kitchen Island: 1 Lighting – Recessed: 1 Stairs: 1 Window – Treatment All: 1

Construction/Siding

Roof – Metal: 1 Siding – Hardie Board: 1

Exterior

Double Pane Windows: 1 Patio Open: 1 Sprinkler System: 1

Waterfront Feature

Shore – Beach: 1

Association Fees Include

Accounting: 1 Beach: 1 Community Room: 1 Conference Center: 1 Exercise Room: 1 Game Room: 1 Ground Keeping: 1 Internet-WiFi: 1 Legal: 1 Management: 1 Master Association: 1 Pool: 1 Recreational Faclty: 1 Security: 1 Trash Disposal: 1 TV Cable: 1 Water: 1 Water Park: 1

Financing

Cash: 1 Conventional: 1

Furnished

Furnished: 1

Kitchen

First: 1

Lot Features

Covenants & Rescrictions: 1 Dedicated Beach: 1 Deeded Access: 1 Deeded Access Water: 1 Landscaped: 1 Near Beach Access: 1 Sidewalk: 1 Within 1/2 Mile to Water: 1

Lot Access

City Street: 1 Paved Road: 1

Parking Features

Additional Parking: 1 Driveway: 1 Paved: 1

Mstr Bath / Mstr Bdrm

MBath Double Vanity: 1 MBath Separate Shwr: 1 MBed Balcony: 1

Present Zoning

Resort: 1

Association Amenities

Beach: 1 Community Room: 1 Conference Center: 1 Exercise Room: 1 Game Room: 1 Pool: 1 Retail Shops: 1 Security-24 hour: 1 Water Park: 1 Waterfront: 1 Dining: 1 Recreation Facilities: 1

Rooms

Bedroom: 1 Great Room: 1 Kitchen: 1 Master Bedroom: 1

Utilities

TV Cable: 1 Natural Gas – Connected: 1 Public Sewer – Connected: 1 Public Water – Connected: 1

Sale Type

As Is: 1

Master Bedroom

Second: 1

Bedroom

First: 1 Second: 1

Cooling

Central Air: 1 ENERGY STAR Qualified Equipment: 1

Heating

Central: 1 ENERGY STAR Qualified Equipment: 1

Security Features

24 Hour Security: 1 Carbon Monoxide Detector: 1

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Dryer; ENERGY STAR Qualified Appliances; Ice Maker; Microwave; Oven – Electric; Refrigerator; Washer Master Bedroom: Second Bedroom: First; Second Cooling: Central Air; ENERGY STAR Qualified Equipment Heating: Central; ENERGY STAR Qualified Equipment Exterior: Double Pane Windows; Patio Open; Sprinkler System Association Fees Include: Accounting; Beach; TV Cable; Community Room; Exercise Room; Game Room; Internet-WiFi; Legal; Ground Keeping; Management; Master Association; Conference Center; Pool; Recreational Faclty; Security; Trash Disposal; Water; Water Park Financing: Cash; Conventional Furnished: Furnished Kitchen: First Lot Features: Covenants & Rescrictions; Dedicated Beach; Deeded Access; Deeded Access Water; Landscaped; Near Beach Access; Sidewalk; Within 1/2 Mile to Water Lot Access: City Street; Paved Road Great Room: First Pool Features: Heated – Electric; Inground Security Features: 24 Hour Security; Carbon Monoxide Detector Parking Features: Additional Parking; Driveway; Paved Association Amenities: Beach; Community Room; Dining; Exercise Room; Game Room; Conference Center; Pool; Recreation Facilities; Retail Shops; Security-24 hour; Water Park; Waterfront Rooms: Bedroom; Great Room; Kitchen; Master Bedroom Sale Type: As Is Utilities: TV Cable; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Feature: Shore – Beach Present Zoning: Resort

Room Information

Great Room Level: First Dimensions: 15.9 x 21.1 Length: 15.90 Width: 21.10 Dimensions: 15.9 x 21.1 Kitchen Level: First Dimensions: 12.5 x 13.6 Length: 12.50 Width: 13.60 Dimensions: 12.5 x 13.6 Master Bedroom Level: Second Dimensions: 15.1 x 13.2 Length: 15.10 Width: 13.20 Dimensions: 15.1 x 13.2 Bedroom Level: First Dimensions: 15.1 x 13.2 Length: 15.10 Width: 13.20 Dimensions: 15.1 x 13.2 Bedroom Level: Second Dimensions: 10.5 x 10.1 Length: 10.50 Width: 10.10 Dimensions: 10.5 x 10.1 Bedroom Level: Second Dimensions: 10.3 x 13.8 Length: 10.30 Width: 13.80 Dimensions: 10.3 x 13.8 Bedroom Level: Second Dimensions: 10.3 x 13.8 Length: 10.30 Width: 13.80 Dimensions: 10.3 x 13.8
Listing Office: MJH Real Estate Brokerage, LLC
Last Updated: January – 16 – 2026
Information deemed reliable but not guaranteed.