1434 W 10th Street, Panama City, FL 32401 (MLS# 795645)

1434 W 10th Street, Panama City, FL 32401

New Listing

$219,000

Property Type: Residential Bedrooms: 3 Baths: 1 Square Footage: 874 Lot Size (sq. ft.): 8,712 Status: Active

Current Price: $219,000 List Date: 9/20/2026 Last Modified: 9/25/2026

Overview

Description

Updated 1942 painted-brick cottage in Oakland Terrace on a fenced lot 150 feet deep, with rooftop solar, a renovated kitchen, and an enclosed front sunroom that adds real living space beyond the 874 heated square feet. You are 4 minutes from the St. Andrews Marina and Historic St. Andrews, 5 from downtown Panama City, 6 from Ascension Sacred Heart Bay, and a half-mile walk from Oakland Terrace Park's pickleball and tennis courts, playground, and walking track. The covered front porch leads into the sunroom, a brick-walled, window-lined room with a glass entry door that works as a plant room, office, or second sitting area. A sliding barn door opens to the living room, and hardwood floors continue through the dining area and all three bedrooms. The kitchen has been redone with blue cabinetry, butcher-block counters, open shelving, shiplap walls, and stainless appliances, and it connects to a dedicated laundry room with its own door to the backyard. Out back is where this lot separ … (Read more)

Listing Details MLS# 795645

Contract Info

List Price/SqFt: 250.57

Location

Area: 02 – Bay County – Central
Street #: 1434
Street Direction: W
Street Name: 10th
Street Suffix: Street
State: FL
Zip Code: 32401
County: Bay
Sub Area: 0203 – Bay – Central SW
Subdivision: [No Recorded Subdiv]
Community/Resort: None
Waterfront: No
Parcel ID: 19408-000-000
Elementary School: Lucille Moore
Middle School: Jinks
High School: Bay
Directions: W on 11th, S. on Lisenby, W on 10th
Legal Description: OAKLAND TERRACE ADD. LOT 6 BLK 12 ORB 4139 P 1678

General Property Info

Sub-Type: Detached Single Family
Design: Florida Cottage
Apx SqFt(Htd/Cooled): 874
SqFt Source: Prop App Site
Full Baths: Yes
Total Baths: Yes
# of Stories in Building: Yes
Accessory Dwelling Unit: No
Year Built: 1942
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 60.0 ft x 150.0 ft
Acreage: 0.21
Lot Size (SqFt): 8712
Pool: No

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 2859.49
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Updated 1942 painted-brick cottage in Oakland Terrace on a fenced lot 150 feet deep, with rooftop solar, a renovated kitchen, and an enclosed front sunroom that adds real living space beyond the 874 heated square feet. You are 4 minutes from the St. Andrews Marina and Historic St. Andrews, 5 from downtown Panama City, 6 from Ascension Sacred Heart Bay, and a half-mile walk from Oakland Terrace Park's pickleball and tennis courts, playground, and walking track. The covered front porch leads into the sunroom, a brick-walled, window-lined room with a glass entry door that works as a plant room, office, or second sitting area. A sliding barn door opens to the living room, and hardwood floors continue through the dining area and all three bedrooms. The kitchen has been redone with blue cabinetry, butcher-block counters, open shelving, shiplap walls, and stainless appliances, and it connects to a dedicated laundry room with its own door to the backyard. Out back is where this lot separates itself: deeper than many nearby lots, fully fenced, shaded by mature oaks, with a rear deck for grilling and a storage shed for bikes, kayaks, or tools. The rooftop solar array (buyer to verify ownership and system details) sits on a home that already has central heat and air and ceiling fans. Three bedrooms and a full bath with tub-shower combo, all on one level, no HOA, and FHA, VA, and conventional financing welcome. Naval Support Activity Panama City is about 14 minutes away, Tyndall AFB about 21, and the Gulf beaches at St. Andrews State Park about 18.

Dining Room

First: Yes

More Information

Family Room

First: Yes

Appliances

Dishwasher: Yes
Microwave: Yes
Refrigerator: Yes

Financing

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

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Family Room: Yes
Full Bathroom: Yes
Kitchen: Yes
Primary Bedroom: Yes

Utilities

Electricity – Availabile: Yes
Sewer Available: Yes
Public Water – Connected: Yes

Sale Type

As Is: Yes

Full Bathroom

First: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Electric: Yes

Property Features

Appliances: Dishwasher; Microwave; Refrigerator Full Bathroom: First Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central; Electric Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Kitchen: First Dining Room: First Family Room: First Rooms: Bedroom; Dining Room; Family Room; Full Bathroom; Kitchen; Primary Bedroom Sale Type: As Is Utilities: Electricity – Availabile; Sewer Available; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	10 x 9	10.00	9.00
Bedroom	First	10 x 9	10.00	9.00
Primary Bedroom	First	14 x 10	14.00	10.00
Dining Room	First	9 x 8	9.00	8.00
Kitchen	First	8 x 8	8.00	8.00
Family Room	First	14 x 11	14.00	11.00
Full Bathroom	First

Listing Office: Real Broker LLC

Last Updated: September – 25 – 2026

Information deemed reliable but not guaranteed.