2601 Oak Street, Panama City Beach, FL 32408 (MLS# 785430)

2601 Oak Street, Panama City Beach, FL 32408

$385,000

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Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,457 Lot Size (sq. ft.): 15,682 Status: Active

Current Price: $385,000 List Date: 2/18/2026 Last Modified: 6/01/2026

Overview

Description

$40,000 PRICE IMPROVEMENT, House appraised February 2026 for $449,000. Instant EQUITY! Appraisal is available to be shared. Exceptional value on the East End of Panama City Beach. Rarely available, this property is on a DOUBLE LOT and includes a fenced side yard with buildable potential–a valuable and increasingly hard-to-find feature that significantly enhances both usability and long-term upside. This well-maintained, move-in-ready 3-bedroom, 2-bath home features a bright open layout with vaulted ceilings and a spacious living area that flows seamlessly into the kitchen and dining space. The kitchen offers ample counter space, pantry, breakfast bar, and a large dining area ideal for everyday living or entertaining. Durable luxury vinyl plank flooring runs throughout, providing a clean, cohesive look with low-maintenance appeal. The primary suite includes a walk-in closet and private bath, while the two additional bedrooms share a full bathroom, creating a practical layo … (Read more) $40,000 PRICE IMPROVEMENT, House appraised February 2026 for $449,000. Instant EQUITY! Appraisal is available to be shared. Exceptional value on the East End of Panama City Beach. Rarely available, this property is on a DOUBLE LOT and includes a fenced side yard with buildable potential–a valuable and increasingly hard-to-find feature that significantly enhances both usability and long-term upside. This well-maintained, move-in-ready 3-bedroom, 2-bath home features a bright open layout with vaulted ceilings and a spacious living area that flows seamlessly into the kitchen and dining space. The kitchen offers ample counter space, pantry, breakfast bar, and a large dining area ideal for everyday living or entertaining. Durable luxury vinyl plank flooring runs throughout, providing a clean, cohesive look with low-maintenance appeal. The primary suite includes a walk-in closet and private bath, while the two additional bedrooms share a full bathroom, creating a practical layout for guests, family, or a home office. The home is currently on septic, with sewer available at the street–offering the option to connect. Once connected and the septic removed, the side yard provides ample space to accommodate a large pool. Outdoors, enjoy privacy-fenced side and backyard areas along with a storage building. The side yard itself offers exceptional flexibility–whether you envision adding a second residence, guest quarters, a detached garage, or creating dedicated space for a boat, work trailer, or additional parking. With sewer accessible, the groundwork is in place to maximize the property’s full potential now or in the future. Conveniently located approximately a 10-minute drive to the nearest public beach access on Thomas Drive and St. Andrews State Park, and just minutes from local schools and Naval Support Activity Panama City, this property offers both accessibility and a quiet residential setting. A price improvement combined with added land flexibility makes this a compelling opportunity worth seeing in person. **All information and measurements are believed to be accurate; however, if important to the Buyer, they should be verified.

Listing Details MLS# 785430

Contract Info

List Price/SqFt: 264.24

Location

Area: 03 – Bay County – Beach
Street #: 2601
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: 31011-000-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From US Hwy. 98 (Back Beach Rd) turn onto Navy Blvd./Thomas Dr.; turn right onto Sunset Dr.; Sunset Dr. becomes Oak St. and the home will be on the left.
Legal Description: TREASURE COVE LOTS 8 & 9 BLK 6 ORB 4109 P 575

General Property Info

Sub-Type: Detached Single Family
Design: Traditional
Apx SqFt(Htd/Cooled): 1457
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 2005
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 157 x 100
Acreage: 0.36
Lot Size (SqFt): 15682
Pool: No

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: No
New Buyer Fee: No
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: $40,000 PRICE IMPROVEMENT, House appraised February 2026 for $449,000. Instant EQUITY! Appraisal is available to be shared. Exceptional value on the East End of Panama City Beach. Rarely available, this property is on a DOUBLE LOT and includes a fenced side yard with buildable potential–a valuable and increasingly hard-to-find feature that significantly enhances both usability and long-term upside. This well-maintained, move-in-ready 3-bedroom, 2-bath home features a bright open layout with vaulted ceilings and a spacious living area that flows seamlessly into the kitchen and dining space. The kitchen offers ample counter space, pantry, breakfast bar, and a large dining area ideal for everyday living or entertaining. Durable luxury vinyl plank flooring runs throughout, providing a clean, cohesive look with low-maintenance appeal. The primary suite includes a walk-in closet and private bath, while the two additional bedrooms share a full bathroom, creating a practical layout for guests, family, or a home office. The home is currently on septic, with sewer available at the street–offering the option to connect. Once connected and the septic removed, the side yard provides ample space to accommodate a large pool. Outdoors, enjoy privacy-fenced side and backyard areas along with a storage building. The side yard itself offers exceptional flexibility–whether you envision adding a second residence, guest quarters, a detached garage, or creating dedicated space for a boat, work trailer, or additional parking. With sewer accessible, the groundwork is in place to maximize the property's full potential now or in the future. Conveniently located approximately a 10-minute drive to the nearest public beach access on Thomas Drive and St. Andrews State Park, and just minutes from local schools and Naval Support Activity Panama City, this property offers both accessibility and a quiet residential setting. A price improvement combined with added land flexibility makes this a compelling opportunity worth seeing in person. **All information and measurements are believed to be accurate; however, if important to the Buyer, they should be verified.

Dining Room

First: Yes

More Information

Laundry

First: Yes

Master Bathroom

First: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Ceiling – Vaulted: Yes
Floor – Vinyl Plank: Yes
Pantry: Yes
Split Bedroom: Yes

Construction/Siding

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

Exterior

Fenced Back Yard: Yes
Fenced Privacy: Yes
Porch Covered: Yes

Other Structures

Shed(s): Yes

Furnished

Unfurnished: Yes

Living Room

First: Yes

Lot Features

Interior Lot: Yes
Near Beach Access: Yes
Survey Available: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Paver Block: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed Walk-in Closet: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Laundry: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes

Utilities

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

Sale Type

As Is: Yes

Master Bedroom

First: 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; Disposal; Microwave; Range – Electric; Refrigerator; Water Heater – Electric Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Fenced Back Yard; Fenced Privacy; Porch Covered Furnished: Unfurnished Living Room: First Lot Features: Interior Lot; Near Beach Access; Survey Available Lot Access: Paved Road Master Bathroom: First Dining Room: First Laundry: First Security Features: Smoke Detector(s) Parking Features: Driveway; Paver Block Other Structures: Shed(s) Rooms: Bedroom; Dining Room; Laundry; Living Room; Master Bathroom; Master Bedroom Sale Type: As Is Utilities: Electricity – Connected; Sewer Available; Public Water – Connected; Septic Tank Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	16 x 16	16.00	16.00
Dining Room	First	15 x 15	15.00	15.00
Master Bedroom	First	16 x 16	16.00	16.00
Master Bathroom	First	8 x 5	8.00	5.00
Bedroom	First	14 x 12	14.00	12.00
Bedroom	First	10 x 10	10.00	10.00
Laundry	First	6 x 4	6.00	4.00

Listing Office: Counts Real Estate Group Inc

Last Updated: June – 01 – 2026

Information deemed reliable but not guaranteed.