231 Middleburg Drive, Panama City Beach, FL 32413 (MLS# 789564)

231 Middleburg Drive, Panama City Beach, FL 32413

$495,000

Breakfast Nook (Furniture Staged with AI)

Kitchen/Dining (Furniture Staged with AI)

Master Bedroom (Furniture Staged with AI)

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,425 Lot Size (sq. ft.): 8,450 Status: Active

Current Price: $495,000 List Date: 5/07/2026 Last Modified: 6/01/2026

Overview

Description

Just a short drive from the white sand beaches and the energy of Panama City Beach, this home offers the kind of everyday living that feels easy, comfortable, and connected to everything people love about the area. Step inside and you're greeted by natural light that carries through the main living spaces, creating a bright, relaxed setting that works just as well for quiet mornings as it does for evenings with friends and family. The flow between the living, dining, and kitchen areas makes it simple to stay connected, whether you're cooking dinner, hosting game night, or just catching up after a long day. The kitchen is designed for real life, with plenty of space to prep, gather, and keep things moving without feeling crowded. Bedrooms offer a private retreat at the end of the day, with a calm, comfortable feel that makes it easy to unwind. The primary suite gives you a place to reset, while additional rooms provide flexibility for guests, a home office, or whatever fits your l … (Read more)

Listing Details MLS# 789564

Contract Info

List Price/SqFt: 204.12

Location

Area: 03 – Bay County – Beach
Street #: 231
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: 32738-980-265
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.
Legal Description: PALMETTO TRACE PHASE IV LOT 378 ORB 2646 P 1000 ORB 2745 P 1623

General Property Info

Sub-Type: Detached Single Family
Design: Ranch
Apx SqFt(Htd/Cooled): 2425
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: Yes
Year Built: 2006
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 65×130
Acreage: 0.19
Lot Size (SqFt): 8450
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 518
HOA Frequency: Quarterly
HOA Annual Amount: 2072
New Buyer Fee: Yes
New Buyer Fee Amt: 0.05
New Buyer Fee Paid: %
Last Taxes: 2928
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Just a short drive from the white sand beaches and the energy of Panama City Beach, this home offers the kind of everyday living that feels easy, comfortable, and connected to everything people love about the area. Step inside and you're greeted by natural light that carries through the main living spaces, creating a bright, relaxed setting that works just as well for quiet mornings as it does for evenings with friends and family. The flow between the living, dining, and kitchen areas makes it simple to stay connected, whether you're cooking dinner, hosting game night, or just catching up after a long day. The kitchen is designed for real life, with plenty of space to prep, gather, and keep things moving without feeling crowded. Bedrooms offer a private retreat at the end of the day, with a calm, comfortable feel that makes it easy to unwind. The primary suite gives you a place to reset, while additional rooms provide flexibility for guests, a home office, or whatever fits your lifestyle. Out back, there's room to enjoy Florida living the way it's meant to be. Whether it's weekend cookouts, letting pets roam, or simply enjoying the fresh air, the outdoor space adds another layer of livability to the home. Located in a growing area with convenient access to shopping, dining, and entertainment, this property also keeps you close to the Gulf without the constant hustle. It's a setting that works for full-time living, a second home, or an investment opportunity. This is the kind of home where daily routines feel a little more enjoyable, and where time spent at home is something to look forward to.

Breakfast Room

First: Yes

More Information

Covered Porch

First: Yes

Dining Room

First: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Ceiling – Crwn Molding: Yes
Floor – Tile: Yes
Pantry: Yes

Construction/Siding

Roof – Composite Shngl: Yes
Siding – Stucco: Yes

Exterior

Porch Covered: Yes
Porch Open: Yes

Association Fees Include

Pool: Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes

Living Room

First: Yes

Lot Features

Interior Lot: Yes
Near Beach Access: Yes
Subdivision – Recorded: Yes
Sidewalk: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBed First Floor: Yes
MBed Walk-in Closet: Yes
MBath Shower/Tub Combo: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Pool: Yes

Rooms

Bedroom: Yes
Breakfast Room: Yes
Covered Porch: Yes
Dining Room: Yes
Living Room: Yes
Master Bedroom: Yes

Utilities

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

Waterview

Lake: Yes

Sale Type

As Is: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Dryer; Range – Electric; Refrigerator; Washer Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central Exterior: Porch Covered; Porch Open Association Fees Include: Pool Financing: Cash; Conventional; FHA; VA; Other Furnished: Unfurnished Interior: Floor – Carpet Living Room: First Lot Features: Interior Lot; Near Beach Access; Sidewalk; Subdivision – Recorded; Within 1/2 Mile to Water Lot Access: Paved Road Breakfast Room: First Covered Porch: First Dining Room: First Security Features: Smoke Detector(s) Parking Features: Driveway; Garage Attached Association Amenities: Pool Rooms: Bedroom; Breakfast Room; Covered Porch; Dining Room; Living Room; Master Bedroom Sale Type: As Is Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterview: Lake Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Master Bedroom	First	19 x 13	19.00	13.00	Master Bedroom
Bedroom	First	12 x 11	12.00	11.00	Bedroom
Bedroom	First	12 x 11	12.00	11.00	Bedroom
Bedroom	First	12 x 11	12.00	11.00	Bedroom
Living Room	First	16 x 13	16.00	13.00	Bedroom
Dining Room	First	16 x 11	16.00	11.00	Bedroom
Breakfast Room	First	10 x 8	10.00	8.00	Breakfast Nook
Covered Porch	First	6 x 20	6.00	20.00	Covered Porch

Listing Office: Salty Marlin Realty LLC

Last Updated: June – 01 – 2026

Information deemed reliable but not guaranteed.