171 White Cap Way, Panama City Beach, FL 32407 (MLS# 788160)

171 White Cap Way, Panama City Beach, FL 32407

$284,900

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,432 Lot Size (sq. ft.): 1,742 Status: Active

Current Price: $284,900 List Date: 5/01/2026 Last Modified: 9/29/2026

Overview

Description

Welcome to Palm Cove in Panama City Beach centrally located community just a short drive to the beach, dining, and shopping. This beautifully updated home is your ticket to affordable beach living. being a spacious 3-bedroom, 2.5-bath attached single-family this unit offers a functional layout with level entry, making it ideal for full-time living, or a second home. The main living area features an open floor plan with plenty of natural light, creating a comfortable space to relax or entertain. The primary suite along with additional half bath and laundry are also on main floor. Upstairs, you'll find two generously sized bedrooms, along with ample storage and closet space. The home can be purchased furnished (negotiable) with an acceptable offer making it truly move-in or rental ready. Palm Cove residents enjoy access to community pools and a low-maintenance lifestyle, all within close proximity to the beach and local attractions. Whether you're a first-time homebuyer, loo … (Read more)

Listing Details MLS# 788160

Contract Info

List Price/SqFt: 198.95

Location

Area: 03 – Bay County – Beach
Street #: 171
Street Name: White Cap
Street Suffix: Way
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0320 – Beach – Middle Central
Subdivision: Palm Cove
Community/Resort: Palm Cove
Waterfront: No
Parcel ID: 34039-816-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: From intersection on Richard Jackson Blvd and Middle Beach road, go West on Middle Beach Road, right into Palm Cove on Emerald Coast Club Blvd, right on Cabana Court, right on Sand Castle Lane, left on White Cap Way – Unit 171 is on the right.
Legal Description: PALM COVE PH 3 LOT 248 ORB 4603 P 364

General Property Info

Sub-Type: Attached Single Unit
Design: Duplex
Apx SqFt(Htd/Cooled): 1432
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 2005
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 25X65
Acreage: 0.04
Lot Size (SqFt): 1742
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 497
HOA Frequency: Quarterly
HOA Annual Amount: 1988
New Buyer Fee: No
Last Taxes: 3272
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Welcome to Palm Cove in Panama City Beach centrally located community just a short drive to the beach, dining, and shopping. This beautifully updated home is your ticket to affordable beach living. being a spacious 3-bedroom, 2.5-bath attached single-family this unit offers a functional layout with level entry, making it ideal for full-time living, or a second home. The main living area features an open floor plan with plenty of natural light, creating a comfortable space to relax or entertain. The primary suite along with additional half bath and laundry are also on main floor. Upstairs, you'll find two generously sized bedrooms, along with ample storage and closet space. The home can be purchased furnished (negotiable) with an acceptable offer making it truly move-in or rental ready. Palm Cove residents enjoy access to community pools and a low-maintenance lifestyle, all within close proximity to the beach and local attractions. Whether you're a first-time homebuyer, looking for a coastal getaway, or seeking a property with short-term rental potential, this one checks the boxes. Schedule your showing today and see what Palm Cove living is all about.

Pool Features

Inground: Yes

More Information

Appliances

Dishwasher: Yes
Dryer: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Siding – Stucco: Yes

Association Fees Include

Management: Yes
Pool: Yes
Trash Disposal: Yes

Financing

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

Furnished

Unfurnished: Yes

Lot Features

Covenants & Rescrictions: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

Cable – Available: Yes
Electricity – Availabile: Yes
Public Water – Available: Yes

Primary Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Electric: Yes

Heating

Electric: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Security Features

Gated Community: Yes

Property Features

Appliances: Dishwasher; Dryer; Range – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: First Bedroom: Second Cooling: Electric Heating: Electric Association Fees Include: Management; Pool; Trash Disposal Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Lot Features: Covenants & Rescrictions Lot Access: Paved Road Pool Features: Inground Security Features: Gated Community Parking Features: Driveway Rooms: Bedroom; Primary Bedroom Utilities: Cable – Available; Electricity – Availabile; Public Water – Available Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	13 x 12	13.00	12.00
Bedroom	Second	14 x 13	14.00	13.00
Bedroom	Second	12 x 13	12.00	13.00

Listing Office: Dalton Wade Inc

Last Updated: September – 29 – 2026

Information deemed reliable but not guaranteed.