204 Middleburg Drive, Panama City Beach, FL 32413 (MLS# 793320)

204 Middleburg Drive, Panama City Beach, FL 32413

New Listing

$425,000

Living area with access to screen back patio and fenced backyard

Hardwood floors throughout most of the home

Updated kitchen with custom cabinets and quartz counters

Dining area can be enclosed for office or 4th bedroom

French door access to patio from bedroom

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5 minutes to new Tallahassee Memorial Heath Complex and future Hospital

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Gulf Coast Jam and event field at Frank Brown Park

approx 1 mile to Dog Beach and City Pier

Less than a mile to Pier Park North Dining and shopping

1 mile to Dolly Parton Pirates Voyage Dinner and Show

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,833 Lot Size (sq. ft.): 8,540 Status: Active

Current Price: $425,000 List Date: 7/30/2026 Last Modified: 7/30/2026

Overview

Description

Welcome to Palmetto Trace, one of Panama City Beach's most desirable golf cart-friendly communities, where location, lifestyle, and convenience come together. Perfectly situated in the heart of Panama City Beach, this beautifully maintained home is just minutes from Pier Park, Frank Brown Park, the beach, Gayle's Trails, Topgolf, Pirate's Voyage Dinner & Show, and countless shopping, dining, and entertainment options. Inside, you'll find soaring vaulted ceilings, abundant natural light, and hardwood flooring throughout most of the home, creating a warm and inviting atmosphere. The recently renovated kitchen is designed for both everyday living and entertaining, featuring elegant quartz countertops, stainless steel appliances, abundant cabinetry, and a functional layout that opens to the main living areas. The spacious primary suite is a true retreat, offering French door access to the screened-in porch, two walk-in closets, and a private en-suite bath complete with a relaxing garden … (Read more) Welcome to Palmetto Trace, one of Panama City Beach’s most desirable golf cart-friendly communities, where location, lifestyle, and convenience come together. Perfectly situated in the heart of Panama City Beach, this beautifully maintained home is just minutes from Pier Park, Frank Brown Park, the beach, Gayle’s Trails, Topgolf, Pirate’s Voyage Dinner & Show, and countless shopping, dining, and entertainment options. Inside, you’ll find soaring vaulted ceilings, abundant natural light, and hardwood flooring throughout most of the home, creating a warm and inviting atmosphere. The recently renovated kitchen is designed for both everyday living and entertaining, featuring elegant quartz countertops, stainless steel appliances, abundant cabinetry, and a functional layout that opens to the main living areas. The spacious primary suite is a true retreat, offering French door access to the screened-in porch, two walk-in closets, and a private en-suite bath complete with a relaxing garden tub. Step outside to enjoy the screened patio, providing the ideal indoor-outdoor living space overlooking the low-maintenance fenced backyard. 2 additional bedrooms share a second bathroom. Additional highlights include a two-car garage with plenty of room for vehicles, storage, and all your beach lifestyle essentials. Palmetto Trace offers exceptional community amenities with a low annual HOA fee that includes professional management, trash service, sidewalks, two community pools with covered cabanas, tree-lined streets, and underground utilities. Two convenient neighborhood entrances make getting around effortless. The location truly sets this home apart. Enjoy easy access to Pier Park’s premier shopping, dining, and entertainment, Frank Brown Park’s renowned sports facilities, Aaron Bessant Park’s concerts and community events, Russell-Fields Pier, Panama City Beach’s dog-friendly beach, and Northwest Florida Beaches International Airport, located approximately 15 minutes away. The future Tallahassee Memorial Hospital campus nearby is expected to bring additional convenience and long-term value to the area. Whether you’re looking for a full-time residence, a second home, or an investment in one of Panama City Beach’s most sought-after communities, this home offers the perfect combination of comfort, convenience, and coastal living. Roof replaced 2021, HVAC 2018, Water Heater 2017 ‘Age, Square Footage, lot and room sizes approx, if important please verify.

Open Houses

Sunday, August 2, 12:00 pm – 3:00 pm

Listing Details MLS# 793320

Contract Info

List Price/SqFt: 231.86

Location

Area: 03 – Bay County – Beach
Street #: 204
Street Name: Middleburg
Street Suffix: Drive
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0321 – Beach – North Central
Subdivision: Palmetto Trace
Community/Resort: None
Waterfront: No
Parcel ID: 32738-980-247
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Hwy 98 West from the Hathaway Bridge, Right onto Pier Park Dr. Right onto Brunswick Blvd. Right onto Middleburg Dr. Home is on your left.
Legal Description: PALMETTO TRACE PHASE IV LOT 332 ORB 3959 P 2149

General Property Info

Sub-Type: Detached Single Family
Design: Traditional
Apx SqFt(Htd/Cooled): 1833
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Accessory Dwelling Unit: No
Year Built: 2005
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 4
Lot Dimensions: 70×122
Acreage: 0.2
Lot Size (SqFt): 8540
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 249
HOA Frequency: Quarterly
HOA Annual Amount: 996
New Buyer Fee: Yes
New Buyer Fee Amt: 0.5
New Buyer Fee Paid: %
Brokerage Interest: Equitable Interest – Listing Broker/Salesperson has equitable interest in the property.

Remarks & Misc

Remarks: Welcome to Palmetto Trace, one of Panama City Beach's most desirable golf cart-friendly communities, where location, lifestyle, and convenience come together. Perfectly situated in the heart of Panama City Beach, this beautifully maintained home is just minutes from Pier Park, Frank Brown Park, the beach, Gayle's Trails, Topgolf, Pirate's Voyage Dinner & Show, and countless shopping, dining, and entertainment options. Inside, you'll find soaring vaulted ceilings, abundant natural light, and hardwood flooring throughout most of the home, creating a warm and inviting atmosphere. The recently renovated kitchen is designed for both everyday living and entertaining, featuring elegant quartz countertops, stainless steel appliances, abundant cabinetry, and a functional layout that opens to the main living areas. The spacious primary suite is a true retreat, offering French door access to the screened-in porch, two walk-in closets, and a private en-suite bath complete with a relaxing garden tub. Step outside to enjoy the screened patio, providing the ideal indoor-outdoor living space overlooking the low-maintenance fenced backyard. 2 additional bedrooms share a second bathroom. Additional highlights include a two-car garage with plenty of room for vehicles, storage, and all your beach lifestyle essentials. Palmetto Trace offers exceptional community amenities with a low annual HOA fee that includes professional management, trash service, sidewalks, two community pools with covered cabanas, tree-lined streets, and underground utilities. Two convenient neighborhood entrances make getting around effortless. The location truly sets this home apart. Enjoy easy access to Pier Park's premier shopping, dining, and entertainment, Frank Brown Park's renowned sports facilities, Aaron Bessant Park's concerts and community events, Russell-Fields Pier, Panama City Beach's dog-friendly beach, and Northwest Florida Beaches International Airport, located approximately 15 minutes away. The future Tallahassee Memorial Hospital campus nearby is expected to bring additional convenience and long-term value to the area. Whether you're looking for a full-time residence, a second home, or an investment in one of Panama City Beach's most sought-after communities, this home offers the perfect combination of comfort, convenience, and coastal living. Roof replaced 2021, HVAC 2018, Water Heater 2017 'Age, Square Footage, lot and room sizes approx, if important please verify.

Dining Room

First: Yes

More Information

Great Room

First: Yes

Pool Features

Fenced: Yes
Inground: Yes
Pool House: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Ceiling – Cathedral: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Pantry: Yes
Window – Bay: Yes
Window – Treatment All: Yes

Construction/Siding

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

Exterior

Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Hurricane Shutters: Yes
Porch Covered: Yes
Porch Screened: Yes
Sprinkler System: Yes

Association Fees Include

Accounting: Yes
Legal: Yes
Management: Yes
Pavilion/Gazebo: Yes
Pool: Yes
Trash Disposal: Yes

Financing

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

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Lot Features

Covenants & Rescrictions: Yes
Curb & Gutter: Yes
Interior Lot: Yes
Subdivision – Recorded: Yes
Sidewalk: Yes
Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Pavilion/Gazebo: Yes
Pool: Yes
Sidewalks: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Great Room: Yes
Kitchen: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes
Security System: Yes

Utilities

Electricity – Connected: Yes
Garbage: Yes
Internet – Fiber Optic: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

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

Heating

Central: Yes
Electric: Yes
Heat Pump: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Tub – Soaking: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Microwave; Range – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric; Heat Pump Heating: Central; Electric; Heat Pump Exterior: Double Pane Windows; Fenced Back Yard; Fenced Privacy; Hurricane Shutters; Porch Covered; Porch Screened; Sprinkler System Association Fees Include: Accounting; Legal; Management; Pavilion/Gazebo; Pool; Trash Disposal Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Kitchen: First Lot Features: Covenants & Rescrictions; Curb & Gutter; Interior Lot; Sidewalk; Subdivision – Recorded; Within 1/2 Mile to Water Lot Access: City Street; Paved Road Dining Room: First Great Room: First Pool Features: Fenced; Inground; Pool House Parking Features: Driveway; Garage Attached Association Amenities: Pavilion/Gazebo; Pool; Sidewalks Rooms: Bedroom; Dining Room; Great Room; Kitchen; Primary Bedroom Showing: Security System; ShowingTime Utilities: Electricity – Connected; Garbage; Internet – Fiber Optic; Public Sewer – Connected; Public Water – Connected; Underground Utilities Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Great Room	First	19 x 18	19.00	18.00
Dining Room	First	16 x 10	16.00	10.00
Primary Bedroom	First	19 x 12	19.00	12.00
Bedroom	First	11 x 10	11.00	10.00
Bedroom	First	11 x 10	11.00	10.00
Kitchen	First	18 x 11	18.00	11.00	Eat-in Kitchen

Listing Office: Local Insight Realty

Last Updated: July – 30 – 2026

Information deemed reliable but not guaranteed.