2604 Mystic Lane PO12, Panama City, FL 32408 (MLS# 785149)

2604 Mystic Lane PO12, Panama City, FL 32408

$415,900

Virtually Staged Coastal balcony with wh

Spacious kitchen with cherry wood finish

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,608 Status: Active

Current Price: $415,900 List Date: 2/12/2026 Last Modified: 7/07/2026

Overview

Description

Rare Ground-Floor Luxury in WATERHAVEN One of Panama City Beach's most desirable gated bayfront communities. This beautifully maintained 3-bedroom, 2.5-bath ground-floor residence is a rare opportunity, offering the convenience of first-level living with no need to rely on elevators or stairs. Step inside to a bright, inviting interior where coastal charm meets refined comfort. Oak wood flooring, crown molding, plantation shutters, and an open-concept layout create an elegant yet relaxed atmosphere perfect for both everyday living and entertaining. The chef's kitchen is a true standout, featuring a large island with breakfast bar, SUB-ZERO refrigerator, Viking gas range, Bosch dishwasher, Scotsman ice maker, wine fridge, and generous workspace for cooking, hosting, and gathering. The spacious primary suite offers a peaceful retreat with a beautifully appointed ensuite bath featuring separate vanities, a large soaking tub, walk-in shower, and generous walk-in closet. The ad … (Read more) Rare Ground-Floor Luxury in WATERHAVEN One of Panama City Beach’s most desirable gated bayfront communities. This beautifully maintained 3-bedroom, 2.5-bath ground-floor residence is a rare opportunity, offering the convenience of first-level living with no need to rely on elevators or stairs. Step inside to a bright, inviting interior where coastal charm meets refined comfort. Oak wood flooring, crown molding, plantation shutters, and an open-concept layout create an elegant yet relaxed atmosphere perfect for both everyday living and entertaining. The chef’s kitchen is a true standout, featuring a large island with breakfast bar, SUB-ZERO refrigerator, Viking gas range, Bosch dishwasher, Scotsman ice maker, wine fridge, and generous workspace for cooking, hosting, and gathering. The spacious primary suite offers a peaceful retreat with a beautifully appointed ensuite bath featuring separate vanities, a large soaking tub, walk-in shower, and generous walk-in closet. The additional bedrooms are connected by a convenient Jack-and-Jill bathroom with a separate shower and toilet area, making the layout both functional and comfortable. This residence is as practical as it is beautiful, with an instant gas water heater, updated HVAC system installed in 2021, and a private storage unit approximately 10×4 located on the third floor with easy elevator access. Waterhaven offers an exceptional bayfront lifestyle with resort-style amenities, including a clubhouse, fitness center, indoor meeting space, theater room, outdoor gathering areas, and a large commercial kitchen available for owner use. Spend the day by the luxury-style pool, relax along the bayfront beach, or enjoy the peaceful surroundings that make this community so special. Waterhaven is a non-rental community, allowing no short-term or long-term rentals, which helps preserve its quiet residential feel. Conveniently located near shopping, dining, boating, beaches, and all the attractions of Panama City Beach, this rare ground-floor bayfront retreat offers comfort, elegance, and coastal living all in one. Come experience the lifestyle, convenience, and charm of Waterhaven living.

Open Houses

Saturday, July 11, 12:00 am – 3:00 pm

Listing Details MLS# 785149

Contract Info

List Price/SqFt: 258.64

Location

Area: 03 – Bay County – Beach
Street #: 2604
Street Name: Mystic
Street Suffix: Lane
Unit #: PO12
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Waterhaven
Community/Resort: None
Waterfront: No
Parcel ID: 40000-050-014
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: Driving South on Navy Blvd., turn left on Magnolia Beach Road between Publix and Aldi. Stay left on Magnolia Beach Road at the Y. Continue straight- Waterhaven will be on the left with a gate to enter.
Legal Description: WATERHAVEN UNIT P012 TYPE F10 EBR 2.5B ORB 2904 P 186 1608 SF ORB 4437 P 212

General Property Info

Sub-Type: Condominium
Floor Number: Yes
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1608
SqFt Source: Owner Measured
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 3
# of Units in Bldg: 6
Year Built: 2007
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 868.33
HOA Frequency: Monthly
HOA Annual Amount: 10419.96
New Buyer Fee: No
Last Taxes: 3368
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Rare Ground-Floor Luxury in WATERHAVEN One of Panama City Beach's most desirable gated bayfront communities. This beautifully maintained 3-bedroom, 2.5-bath ground-floor residence is a rare opportunity, offering the convenience of first-level living with no need to rely on elevators or stairs. Step inside to a bright, inviting interior where coastal charm meets refined comfort. Oak wood flooring, crown molding, plantation shutters, and an open-concept layout create an elegant yet relaxed atmosphere perfect for both everyday living and entertaining. The chef's kitchen is a true standout, featuring a large island with breakfast bar, SUB-ZERO refrigerator, Viking gas range, Bosch dishwasher, Scotsman ice maker, wine fridge, and generous workspace for cooking, hosting, and gathering. The spacious primary suite offers a peaceful retreat with a beautifully appointed ensuite bath featuring separate vanities, a large soaking tub, walk-in shower, and generous walk-in closet. The additional bedrooms are connected by a convenient Jack-and-Jill bathroom with a separate shower and toilet area, making the layout both functional and comfortable. This residence is as practical as it is beautiful, with an instant gas water heater, updated HVAC system installed in 2021, and a private storage unit approximately 10×4 located on the third floor with easy elevator access. Waterhaven offers an exceptional bayfront lifestyle with resort-style amenities, including a clubhouse, fitness center, indoor meeting space, theater room, outdoor gathering areas, and a large commercial kitchen available for owner use. Spend the day by the luxury-style pool, relax along the bayfront beach, or enjoy the peaceful surroundings that make this community so special. Waterhaven is a non-rental community, allowing no short-term or long-term rentals, which helps preserve its quiet residential feel. Conveniently located near shopping, dining, boating, beaches, and all the attractions of Panama City Beach, this rare ground-floor bayfront retreat offers comfort, elegance, and coastal living all in one. Come experience the lifestyle, convenience, and charm of Waterhaven living.

Pool Features

Fenced: Yes
Inground: Yes

More Information

Appliances

Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Ice Maker: Yes
Microwave: Yes
Range – Gas: Yes
Refrigerator: Yes
Washer: Yes
Wine Refrigerator: Yes

Interior Features

Ceiling – Crwn Molding: Yes
Floor – Hardwood: Yes
Plantation Shutters: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Metal: Yes
Trim – Hardie Board: Yes

Waterfront Feature

Dock: Yes

Association Fees Include

BBQ Pit/Grill: Yes
Beach: Yes
Boat Launch: Yes
Boat Slip Usage: Yes
Community Room: Yes
Conference Center: Yes
Dock: Yes
Dumpster: Yes
Exercise Room: Yes
Fishing: Yes
Gated Community: Yes
Marina: Yes
Picnic Area: Yes
Pool: Yes
Theater: Yes

Financing

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

Furnished

Negotiable: Yes

Lot Access

Gated Access: Yes
Private Road: Yes

Association Amenities

BBQ Pit/Grill: Yes
Community Room: Yes
Pool: Yes
Waterfront: Yes
Boat Slip: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

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

Sale Type

As Is: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBath Walk-In Closet: Yes

Security Features

Gated Community: Yes

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Dryer; Ice Maker; Microwave; Range – Gas; Refrigerator; Washer; Wine Refrigerator Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central Association Fees Include: BBQ Pit/Grill; Beach; Boat Launch; Boat Slip Usage; Community Room; Dock; Dumpster; Fishing; Exercise Room; Gated Community; Marina; Conference Center; Picnic Area; Pool; Theater Financing: Cash; Conventional; FHA; USDA; VA Furnished: Negotiable Lot Access: Gated Access; Private Road Pool Features: Fenced; Inground Security Features: Gated Community Association Amenities: BBQ Pit/Grill; Boat Slip; Community Room; Pool; Waterfront Rooms: Bedroom; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Feature: Dock

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Primary Bedroom	First	17 x 14	17.00	14.00	All measurements are approx.
Bedroom	First	12 x 11	12.00	11.00	All measurements are approx.
Bedroom	First	12 x 11	12.00	11.00	All measurements are approx.

Listing Office: Realty One Group Emerald Coast

Last Updated: July – 07 – 2026

Information deemed reliable but not guaranteed.