13649 Banana Wind Way 31, Panama City Beach, FL 32413 (MLS# 783789)

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

$1,219,000

Most beautiful Margaritaville house color

Margaritaville Beach Cottage Resort Lot 31

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Property Type: Residential Bedrooms: 5 Baths: 5 Square Footage: 2,128 Lot Size (sq. ft.): 2,396 Status: Active

Current Price: $1,219,000 List Date: 1/16/2026 Last Modified: 3/27/2026

Overview

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 op … (Read more) 🌴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 America. 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.

Listing Details MLS# 783789

Contract Info

List Price/SqFt: 572.84

Location

Area: 03 – Bay County – Beach
Street #: 13649
Street Name: Banana Wind
Street Suffix: Way
Unit #: 31
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0320 – Beach – Middle Central
Subdivision: Margaritaville Cottages
Community/Resort: None
Waterfront: No
Parcel ID: 34764-200-310
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.
Legal Description: PANAMA CITY BEACH RESORT LOT 31 MARGARITAVILLE COTTAGES PH 3 ORB 4739 P 1795

General Property Info

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

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

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 America. 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: Yes

More Information

Pool Features

Heated – Electric: Yes
Inground: Yes

Appliances

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

Interior Features

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

Construction/Siding

Roof – Metal: Yes
Siding – Hardie Board: Yes

Exterior

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

Waterfront Feature

Shore – Beach: Yes

Association Fees Include

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

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Kitchen

First: Yes

Lot Features

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

Lot Access

City Street: Yes
Paved Road: Yes

Parking Features

Additional Parking: Yes
Driveway: Yes
Paved: Yes

Mstr Bath / Mstr Bdrm

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

Present Zoning

Resort: Yes

Association Amenities

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

Rooms

Bedroom: Yes
Great Room: Yes
Kitchen: Yes
Master Bedroom: Yes

Utilities

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

Sale Type

As Is: Yes

Master Bedroom

Second: Yes

Bedroom

First: Yes
Second: Yes

Cooling

Central Air: Yes
ENERGY STAR Qualified Equipment: Yes

Heating

Central: Yes
ENERGY STAR Qualified Equipment: Yes

Security Features

24 Hour Security: Yes
Carbon Monoxide Detector: Yes

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

Room Name	Level	Dimensions	Length	Width
Great Room	First	15.9 x 21.1	15.90	21.10
Kitchen	First	12.5 x 13.6	12.50	13.60
Master Bedroom	Second	15.1 x 13.2	15.10	13.20
Bedroom	First	15.1 x 13.2	15.10	13.20
Bedroom	Second	10.5 x 10.1	10.50	10.10
Bedroom	Second	10.3 x 13.8	10.30	13.80
Bedroom	Second	10.3 x 13.8	10.30	13.80

Listing Office: MJH Real Estate Brokerage, LLC

Last Updated: March – 27 – 2026

Information deemed reliable but not guaranteed.