186 White Cap Way, Panama City Beach, FL 32407 (MLS# 793243)

186 White Cap Way, Panama City Beach, FL 32407

New Listing

$270,000

Property Type: Residential Bedrooms: 3 Baths: 21 Square Footage: 1,432 Lot Size (sq. ft.): 1,612 Status: Active

Current Price: $270,000 List Date: 7/28/2026 Last Modified: 7/28/2026

Overview

Description

**BEST PRICED PALM COVE TOWNHOME** This roomy 3-bedroom, 3-bath townhome is your chance to own a slice of Panama City Beach without breaking the bank. Whether you're looking for your own coastal oasis or a short-term rental moneymaker, this spot checks all the boxes. Step inside and you're greeted by vaulted ceilings, tons of natural light, and an open layout that just feels good. New Carpet, flooring, and fixtures throughout the home. The main level features new floors, a spacious living area, and a bright kitchen with plenty of cabinet space, a breakfast bar, and stainless steel appliances. Head upstairs to a private loft-style bedroom with its own full bath, perfect for guests or Airbnb setups. Out back, you've got a private covered patio, ideal for post-beach chill sessions, grilling, or kicking back with a cold drink. The exterior is low-maintenance, the HOA is minimal, and the location? You're minutes to the beach, Pier Park, Shipwreck Island, St. Andrews State Park, sh … (Read more)

Listing Details MLS# 793243

Contract Info

List Price/SqFt: 188.55

Location

Area: 03 – Bay County – Beach
Street #: 186
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: 34039-796-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: From Hathaway Bridge, traveling west on PCB Pkwy. Turn left onto R Jackson Blvd. At the light, turn right onto Hutchison Blvd. In a half mile turn right into Palm Cove (Emerald Coast Club Blvd), turn right onto Cabana Ct. Turn right onto Sand Castle Ln, then left onto White Cap Way. Home will be on the left.
Legal Description: PALM COVE PH 3 LOT 228 ORB 2415 P 1667 ORB 2723 P 600

General Property Info

Sub-Type: Attached Single Unit
Design: Townhome
Apx SqFt(Htd/Cooled): 1432
SqFt Source: Agent Measured
Full Baths: 2
Half Baths: Yes
Total Baths: 21
Accessory Dwelling Unit: No
Year Built: 2005
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Driveway Spaces: 2
Lot Dimensions: 63 x 25
Acreage: 0.04
Lot Size (SqFt): 1612
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 497
HOA Frequency: Quarterly
HOA Annual Amount: 1988
New Buyer Fee: No
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: **BEST PRICED PALM COVE TOWNHOME** This roomy 3-bedroom, 3-bath townhome is your chance to own a slice of Panama City Beach without breaking the bank. Whether you're looking for your own coastal oasis or a short-term rental moneymaker, this spot checks all the boxes. Step inside and you're greeted by vaulted ceilings, tons of natural light, and an open layout that just feels good. New Carpet, flooring, and fixtures throughout the home. The main level features new floors, a spacious living area, and a bright kitchen with plenty of cabinet space, a breakfast bar, and stainless steel appliances. Head upstairs to a private loft-style bedroom with its own full bath, perfect for guests or Airbnb setups. Out back, you've got a private covered patio, ideal for post-beach chill sessions, grilling, or kicking back with a cold drink. The exterior is low-maintenance, the HOA is minimal, and the location? You're minutes to the beach, Pier Park, Shipwreck Island, St. Andrews State Park, shopping, dining, and all the tourist favorites that make PCB a vacation hotspot. Solid bones, fresh updates, and the flexibility to live in it, rent it out, or do both. Don't let this opportunity slip by—affordable beach-town real estate like this doesn't come along every day.

Loft

Second: Yes

More Information

Appliances

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

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes
Stairs: Yes

Construction/Siding

Roof – Dimensional Shg: Yes
Siding – Stucco: Yes

Exterior

Porch Screened: Yes

Association Fees Include

Accounting: Yes
Gated Community: Yes
Management: Yes
Playground: Yes
Pool: Yes
Trash Disposal: Yes

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes

Living Room

First: Yes

Lot Access

Gated Access: Yes
Paved Road: Yes

Parking Features

Driveway: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

BBQ Pit/Grill: Yes
Playground: Yes
Pool: Yes

Rooms

Bedroom: Yes
Living Room: Yes
Loft: Yes
Primary Bedroom: Yes

Utilities

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

Sale Type

As Is: Yes

Primary Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Security Features

24 Hour Security: Yes
Gated Community: Yes

Property Features

Appliances: Dishwasher; Dryer; Microwave; Range – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: First Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Porch Screened Association Fees Include: Accounting; Gated Community; Management; Playground; Pool; Trash Disposal Furnished: Unfurnished Interior: Floor – Carpet Living Room: First Lot Access: Gated Access; Paved Road Loft: Second Security Features: 24 Hour Security; Gated Community Parking Features: Driveway Association Amenities: BBQ Pit/Grill; Playground; Pool Rooms: Bedroom; Living Room; Loft; Primary Bedroom Sale Type: As Is Utilities: Cable – Available; Electricity – Connected; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Loft	Second	14 x 13	14.00	13.00
Bedroom	Second	12 x 13	12.00	13.00
Primary Bedroom	First	13 x 12	13.00	12.00
Living Room	First	17 x 13	17.00	13.00

Listing Office: Think Real Estate

Last Updated: July – 28 – 2026

Information deemed reliable but not guaranteed.