2519 Oak Street, Panama City, FL 32408 (MLS# 786981)

2519 Oak Street, Panama City, FL 32408

$239,000

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 826 Status: Under Contract – Taking Backups

Current Price: $239,000 List Date: 3/18/2026 Last Modified: 6/05/2026

Overview

Description

Enjoy coastal living just one mile from the beach, St. Andrews State Park, and the Navy Base. This inviting property offers a spacious layout with thoughtful updates, making it move-in ready and ideal for full-time living, a second home, or an income-producing opportunity. The interior has been refreshed with a fully updated kitchen in 2026, featuring modern finishes and improved functionality, along with bathroom upgrades completed in 2026 and durable LVP flooring installed throughout. Sunlit living areas create a warm, welcoming feel and provide a comfortable setting for both everyday living and entertaining. Major systems and maintenance items have already been addressed, offering added confidence for the next owner. The roof and water heater were both replaced in 2019, the A/C is approximately 10 years old and was serviced in January 2026, septic extraction was completed in spring 2024 (with an expected 4-6 year cycle), and the sump pump was replaced in 2025 with an upgraded … (Read more)

Listing Details MLS# 786981

Contract Info

List Price/SqFt: 289.35

Location

Area: 03 – Bay County – Beach
Street #: 2519
Street Name: Oak
Street Suffix: Street
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Treasure Cove
Community/Resort: None
Waterfront: No
Parcel ID: 31012-000-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Hwy 98, travel south on Thomas Drive, right on Sunset Drive, follow road to the end and it curves left and turns into Oak St, unit on left
Legal Description: TREASURE COVE LOT 10 BLK 6 ORB 689 P 889 ORB 2225 P 1507 LESS -10.2- ORB 4465 P 61

General Property Info

Sub-Type: Attached Single Unit
Design: Townhome
Apx SqFt(Htd/Cooled): 826
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 2003
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 40×100
Pool: No

Status Change Info

Under Contract Date: 2026-06-05

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 1403
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Enjoy coastal living just one mile from the beach, St. Andrews State Park, and the Navy Base. This inviting property offers a spacious layout with thoughtful updates, making it move-in ready and ideal for full-time living, a second home, or an income-producing opportunity. The interior has been refreshed with a fully updated kitchen in 2026, featuring modern finishes and improved functionality, along with bathroom upgrades completed in 2026 and durable LVP flooring installed throughout. Sunlit living areas create a warm, welcoming feel and provide a comfortable setting for both everyday living and entertaining. Major systems and maintenance items have already been addressed, offering added confidence for the next owner. The roof and water heater were both replaced in 2019, the A/C is approximately 10 years old and was serviced in January 2026, septic extraction was completed in spring 2024 (with an expected 4-6 year cycle), and the sump pump was replaced in 2025 with an upgraded electrical outlet in 2024. Storm doors are less than two years old, adding both convenience and efficiency. Outside, the fenced yard creates a private space for pets, gatherings, or simply enjoying the coastal air. There is plenty of room to customize the outdoor area to fit your lifestyle, whether that's adding a firepit, garden, or additional seating. With no HOA and short-term rentals allowed with proper city and county registration, this property offers flexibility for personal use, seasonal stays, or investment income. Its location places you close to local restaurants, shopping, marinas, and Gulf access, making it easy to enjoy everything Panama City Beach has to offer. Whether you're looking for a primary residence, a beachside getaway, or a property with strong rental potential, this home checks all the boxes.

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
Ceiling – Vaulted: Yes
Floor – Vinyl Plank: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Composite Shngl: Yes
Siding – Vinyl: Yes

Exterior

Fenced Back Yard: Yes
Fenced Privacy: Yes

Financing

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

Furnished

Unfurnished: Yes

Living Room

First: Yes

Lot Features

Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes

Mstr Bath / Mstr Bdrm

MBed Walk-in Closet: Yes

Present Zoning

County: Yes

Rooms

Bedroom: Yes
Living Room: Yes

Utilities

Electricity – Connected: Yes
Public Water – Connected: Yes
Septic Tank: Yes

Bedroom

First: Yes

Cooling

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

Heating

Central: Yes
Electric: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Dryer; Microwave; Range – Electric; Refrigerator; Washer; Water Heater – Electric Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Fenced Back Yard; Fenced Privacy Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Living Room: First Lot Features: Within 1/2 Mile to Water Lot Access: Paved Road Security Features: Smoke Detector(s) Parking Features: Driveway Rooms: Bedroom; Living Room Utilities: Electricity – Connected; Public Water – Connected; Septic Tank Present Zoning: County

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	12 x 12	12.00	12.00
Bedroom	First	12 x 10	12.00	10.00
Living Room	First	18 x 12	18.00	12.00

Listing Office: Salty Marlin Realty LLC

Last Updated: June – 05 – 2026

Information deemed reliable but not guaranteed.