2638 E 40th Plaza, Panama City, FL 32405 (MLS# 794688)

2638 E 40th Plaza, Panama City, FL 32405

New Listing

$599,000

Property Type: Residential Bedrooms: 5 Baths: 3 Square Footage: 2,377 Lot Size (sq. ft.): 17,860 Status: Active

Current Price: $599,000 List Date: 8/27/2026 Last Modified: 8/27/2026

Overview

Description

This home truly has it all–no HOA, a huge yard, plenty of parking, a private Gunite pool, and a brand-new septic system, all centrally located on a quiet dead-end street in Lynn Haven. The detached, recently built mother-in-law suite adds incredible flexibility with its own entrance, full kitchen, and bathroom, making it ideal for guests, family, or additional living space at approximately over 400 sq ft. The main home features large windows that fill the space with natural light, with tinted windows designed to improve efficiency and help keep energy costs low. Inside, you'll find an updated 4-bedroom, 2-bath layout with modern touches, granite countertops, stainless-steel appliances, waterproof luxury vinyl flooring, shiplap accents, and a tankless water heater. Outside, enjoy the pool, oversized yard, privacy fence, pergola, outdoor shower, half bath, and ample storage. With no HOA, no monthly water (Culligan filtration system) or sewer bill (brand new septic tank), low en … (Read more)

Listing Details MLS# 794688

Contract Info

List Price/SqFt: 252

Location

Area: 02 – Bay County – Central
Street #: 2638
Street Direction: E
Street Name: 40th
Street Suffix: Plaza
State: FL
Zip Code: 32405
County: Bay
Sub Area: 0201 – Bay – Central NE
Subdivision: [No Recorded Subdiv]
Community/Resort: None
Waterfront: No
Parcel ID: 11542-003-000
Elementary School: Hiland Park
Middle School: Mowat
High School: Mosley
Directions: From Hwy 389, turn East on 40th Plaza. Last home on the right.
Legal Description: 15 3S 14W -10.11- 103A ST AND BAY DEV CO PLAT BEG 1002.80' N & 29.6' W OF SE COR TH W 149' N 141' E 149' ON 40TH E PLAZA S 141' TO POB ORB 4337 P 519

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 2377
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
# of Stories in Building: Yes
Accessory Dwelling Unit: Yes
ud_i_08: 400
Year Built: 1976
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Driveway Spaces: 10
Lot Dimensions: 129.0 ft x 141.0 ft
Acreage: 0.41
Lot Size (SqFt): 17860
Pool: Yes
Pool Type: Private

Accessory Dwelling Unit

Number of Bathrooms: Yes
Number of Bedrooms: Yes
Bathroom: Yes
Bedroom: Yes
Cooled: Yes
Heated: Yes
Kitchen: Yes
Separate Entrance: Yes

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 2178.32
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: This home truly has it all–no HOA, a huge yard, plenty of parking, a private Gunite pool, and a brand-new septic system, all centrally located on a quiet dead-end street in Lynn Haven. The detached, recently built mother-in-law suite adds incredible flexibility with its own entrance, full kitchen, and bathroom, making it ideal for guests, family, or additional living space at approximately over 400 sq ft. The main home features large windows that fill the space with natural light, with tinted windows designed to improve efficiency and help keep energy costs low. Inside, you'll find an updated 4-bedroom, 2-bath layout with modern touches, granite countertops, stainless-steel appliances, waterproof luxury vinyl flooring, shiplap accents, and a tankless water heater. Outside, enjoy the pool, oversized yard, privacy fence, pergola, outdoor shower, half bath, and ample storage. With no HOA, no monthly water (Culligan filtration system) or sewer bill (brand new septic tank), low energy costs, abundant parking, generous outdoor space, a pool, and flexible living accommodations, this property offers a rare combination of comfort, functionality, and value in a convenient Lynn Haven location. Measurements are approximate.

More Information

Florida Room

First: Yes

Pool Features

Gunite Concrete: Yes
Inground: Yes
Pool House: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Oven – Electric: Yes
Refrigerator: Yes
Water Heater – Tankless: Yes

Interior Features

Fireplace: Yes
Kitchen Island: Yes
Handicap Provisions: Yes

Construction/Siding

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

Exterior

Deck Covered: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Shower: Yes
Sprinkler System: Yes
Storm Windows: Yes
Tinted Windows: Yes

Other Structures

Pergola: Yes
Pool House: Yes

Financing

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

Furnished

Unfurnished: Yes

Lot Features

Dead End: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Oversized: Yes
Paved: Yes
RV Access/Parking: Yes

Present Zoning

City: Yes
Resid Single Family: Yes

Rooms

Bedroom: Yes
Florida Room: Yes
Primary Bedroom: Yes

Utilities

Electricity – Connected: Yes
Private Well: Yes
Septic Tank: Yes

Accessibility Features

Accessible Full Bath: Yes

Sale Type

As Is: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Electric: Yes

Primary Bdrm/Primary Bath

MBath Separate Shwr: Yes
MBed First Floor: Yes

Security Features

Security System: Yes

Property Features

Accessibility Features: Accessible Full Bath Appliances: Cooktop – Electric; Dishwasher; Oven – Electric; Refrigerator; Water Heater – Tankless Primary Bedroom: First Bedroom: First Cooling: Central Air; Electric Heating: Central; Electric; Fireplace – Electric Exterior: Deck Covered; Fenced Back Yard; Fenced Privacy; Shower; Sprinkler System; Storm Windows; Tinted Windows Financing: Cash; Conventional; FHA; USDA; VA Furnished: Unfurnished Lot Features: Dead End Lot Access: Paved Road Accessory Dwelling Unit: Bathroom; Bedroom; Cooled; Heated; Kitchen; Separate Entrance Florida Room: First Pool Features: Gunite Concrete; Inground; Pool House Security Features: Security System Parking Features: Driveway; Oversized; Paved; RV Access/Parking Other Structures: Pergola; Pool House Rooms: Bedroom; Florida Room; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected; Private Well; Septic Tank Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	23 x 12	23.00	12.00
Bedroom	First	12 x 11	12.00	11.00
Bedroom	First	12 x 13	12.00	13.00
Bedroom	First	12 x 12	12.00	12.00
Florida Room	First	19 x 14	19.00	14.00

Listing Office: Think Real Estate

Last Updated: August – 27 – 2026

Information deemed reliable but not guaranteed.