232 Middleburg Drive, Panama City Beach, FL 32413
$495,000
Property Type:
Residential
Bedrooms:
3
Baths:
2
Square Footage:
1,990
Lot Size (sq. ft.):
8,712
Status:
Active
Current Price:
$495,000
List Date:
4/21/2026
Last Modified:
6/06/2026
Listing Details MLS# 788660
Contract Info
- List Price/SqFt
- 248.74
Location
- Area
- 03 – Bay County – Beach
- Street #
- 232
- Street Name
- Middleburg
- Street Suffix
- Drive
- State
- FL
- Zip Code
- 32413
- County
- Bay
- Sub Area
- 0321 – Beach – North Central
- Subdivision
- Palmetto Trace Phase IV
- Community/Resort
- None
- Waterfront
- No
- Parcel ID
- 32738-980-233
- Elementary School
- Hutchison Beach
- Middle School
- Surfside
- High School
- Arnold
- Directions
- West on Panama City Beach Parkway, travel past Pier Park and turn right onto Pier Park Drive. Turn right onto Brunswick Blvd. into Palmetto Trace. Turn right onto Middleburg Drive. Home is on the left.
- Legal Description
- PALMETTO TRACE PHASE IV LOT 318 ORB 4128 P 1967
General Property Info
- Sub-Type
- Detached Single Family
- Design
- Contemporary
- Apx SqFt(Htd/Cooled)
- 1990
- SqFt Source
- Prop App Site
- Full Baths
- 2
- Total Baths
- 2
- Year Built
- 2006
- Immediate Occupancy
- Yes
- Construction Status
- Construction Complete
- New Construction
- No
- Garage Y/N
- No
- Lot Dimensions
- 65 x 130
- Acreage
- 0.2
- Lot Size (SqFt)
- 8712
- 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
- %
- Last Taxes
- 4852
- Last Tax Year
- 2025
- Brokerage Interest
- No Interest
- As Is
- Yes
Remarks & Misc
- Remarks
- Palmetto Trace w/ community pool! Located in the highly sought-after Palmetto Trace community, this 3-bedroom, 2-bath home puts you right in the center of Panama City Beach–just minutes from Pier Park, Frank Brown Park, and the beach. Inside, you'll find a functional split floor plan with an open living space, vaulted ceilings, and plenty of natural light. The kitchen flows easily into the main living and dining areas, making it practical for everyday living and easy to entertain when needed. Fresh interior paint gives the home a clean, updated feel. The primary suite is set apart from the secondary bedrooms and offers good space, a walk-in closet, and a private bath with double vanities. On the opposite side of the home, two additional bedrooms and a full bath provide flexibility for guests, family, or a home office. Out back, enjoy a screened-in patio that gives you that indoor-outdoor living buyers want, along with a fenced yard that's easy to maintain. With a roof replaced in 2023 and access to two community pools, this home checks the boxes for both comfort and peace of mind. Palmetto Trace is golf cart-friendly, with sidewalks throughout, making it easy to get around and enjoy everything nearby. You're just minutes from Pier Park, with quick access to shopping, dining, nightlife, and entertainment, including local favorites, beach access, and Topgolf. If you're looking for location, convenience, and a solid home in a strong price range, this one is worth a look. Schedule your showing today.
Dining Room
- First
- Yes
More Information
Great Room
- First
- Yes
Pool Features
- Inground
- Yes
Appliances
- Dishwasher
- Yes
- Disposal
- Yes
- Microwave
- Yes
- Range – Electric
- Yes
- Refrigerator
- Yes
- Water Heater – Electric
- Yes
Construction/Siding
- Roof – Composite Shngl
- Yes
- Siding – Stucco
- Yes
Exterior
- Fenced Back Yard
- Yes
- Patio Enclosed
- Yes
- Porch Screened
- Yes
Association Fees Include
- Ground Keeping
- Yes
- Management
- 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
- Sidewalk
- Yes
- Within 1/2 Mile to Water
- Yes
Lot Access
- Paved Road
- Yes
Parking Features
- Garage Attached
- Yes
Mstr Bath / Mstr Bdrm
- MBath Double Vanity
- Yes
- MBath Shower Only
- Yes
- MBath Walk-In Closet
- Yes
- MBed First Floor
- Yes
Present Zoning
- Resid Single Family
- Yes
Association Amenities
- Pool
- Yes
Rooms
- Bedroom
- Yes
- Dining Room
- Yes
- Great Room
- Yes
- Kitchen
- Yes
- Master Bedroom
- Yes
Showing
- ShowingTime
- Yes
Utilities
- Electricity – Connected
- Yes
- Public Sewer – Connected
- Yes
- Public Water – Connected
- Yes
- Underground Utilities
- Yes
Master Bedroom
- First
- Yes
Bedroom
- First
- Yes
Cooling
- Ceiling Fan(s)
- Yes
- Central Air
- Yes
Heating
- Central
- Yes
- Electric
- Yes
Property Features
Appliances:
Dishwasher; Disposal; Microwave; Range – Electric; Refrigerator; Water Heater – Electric
Master Bedroom:
First
Bedroom:
First
Cooling:
Ceiling Fan(s); Central Air
Heating:
Central; Electric
Exterior:
Fenced Back Yard; Patio Enclosed; Porch Screened
Association Fees Include:
Ground Keeping; Management; Pool; Trash Disposal
Financing:
Cash; Conventional; FHA; VA
Furnished:
Unfurnished
Kitchen:
First
Lot Features:
Covenants & Rescrictions; Sidewalk; Within 1/2 Mile to Water
Lot Access:
Paved Road
Dining Room:
First
Great Room:
First
Pool Features:
Inground
Parking Features:
Garage Attached
Association Amenities:
Pool
Rooms:
Bedroom; Dining Room; Great Room; Kitchen; Master Bedroom
Showing:
ShowingTime
Utilities:
Electricity – Connected; Public Sewer – Connected; Public Water – Connected; Underground Utilities
Present Zoning:
Resid Single Family
Room Information
| Room Name | Level | Dimensions | Length | Width |
|---|---|---|---|---|
| Master Bedroom | First | 17 x 16 | 17.00 | 16.00 |
| Bedroom | First | 11 x 11 | 11.00 | 11.00 |
| Bedroom | First | 11 x 10 | 11.00 | 10.00 |
| Great Room | First | 27 x 24 | 27.00 | 24.00 |
| Kitchen | First | 18 x 16 | 18.00 | 16.00 |
| Dining Room | First | 10 x 9 | 10.00 | 9.00 |
Listing Office:
EXP Realty LLC
Last Updated: June – 06 – 2026
Information deemed reliable but not guaranteed.