285 Hugh Thomas Drive, Panama City, FL 32404 (MLS# 792414)

285 Hugh Thomas Drive, Panama City, FL 32404

New Listing

$599,000

Premier indoor/outdoor living with the expansive covered patio.

Breathtaking nature views of the creek to enjoy. You can also add a dock and have easy access for paddling, kayaking or boating.

Don't miss out on this great opportunity for waterfront living at an amazing value for new construction.

This home offers a 3-car garage, plenty of parking, and is ideally one level.

Amazing open floor plan makes entertaining easy!

Impressive interior with open floor plan and upscale kitchen.

Kitchen features elegant Quartz countertop, stainless appliances and custom hood.

Breakfast bar is ideal for casual dining.

Capture beautiful views of the creek while preparing a meal.

Incredible interior with beautiful architectural details like wood vaulted ceilings and large sliders.

Waterfront living area with pocket slider doors so you can bring the outside in.

Huge landscaped backyard with plenty of room for a private pool if desired.

True serenity right outside your door of natural landscape on the water.

Spacious waterfront primary bedroom with direct access to exterior and luxury vinyl flooring.

Beautiful ensuite primary bathroom with double vanity and amazing soaking tub to unwind in.

Primary bath also has an incredible tiled walk-in shower with rain shower.

Waterfront guest bedroom with beautiful views and ensuite bathroom.

Fantastic ensuite guest bathroom with unique tile floors and walk-in shower.

Guest bedroom with ensuite bath and nice natural light.

Ensuite guest bathroom with Quartz vanity, contemporary lighting and custom tile shower/tub combo.

Elegant ensuite guest bathroom with herringbone tiled shower.

There is conveniently a powder bath off the kitchen which is great while entertaining.

Water views to the south of Calloway Bayou heading to East Bay and Shell Island.

Navigate Callaway Bayou right from the home and explore the waterways that connect to Callaway Bayou and Shell Island.

Ideal waterfront living and privacy with no HOA water views to the north of Calloway Bayou.

Surrounded by nature boasting nearly a half acre.

Beautiful sunsets from nearly every room.

Property Type: Residential Bedrooms: 4 Baths: 5 Square Footage: 2,525 Lot Size (sq. ft.): 19,166 Status: Active

Current Price: $599,000 List Date: 7/09/2026 Last Modified: 7/09/2026

Overview

Description

NOW PRICED BELOW APPRAISED VALUE! **Construction Complete** 1% lender credit with preferred lender to buy down rate or prepaids and closing costs! Discover your dream home located on Callaway Bayou just miles from the charm of Historic St. Andrews and downtown Panama City known for its quaint shops, dining & entertainment. This beautifully crafted NEW construction waterfront property, offers the perfect blend of modern living and tranquil waterfront beauty on nearly a half acre lot. NO HOA & NO FLOOD INSURANCE REQUIRED! Prime location near Tyndall AFB. Notable features include 2×6 construction, spray foam insulation, 5 ton HVAC, hurricane impact windows, and fortified roof.

Listing Details MLS# 792414

Contract Info

List Price/SqFt: 237.23

Location

Area: 02 – Bay County – Central
Street #: 285
Street Name: Hugh Thomas
Street Suffix: Drive
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0202 – Bay – Central SE
Subdivision: Callaway
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 06641-995-210
Elementary School: Callaway
Middle School: Rutherford Middle
High School: Rutherford
Directions: From US-98/Emerald Coast Pkwy turn onto FL-22 E, turn right onto Hugh Thomas Dr., property will be on the right.
Legal Description: GRIMES CALLAWAY BAYOU ESTS UNIT #6 146C LOT 17 BLK E ORB 4655 P 72

General Property Info

Sub-Type: Detached Single Family
Design: Florida Cottage
Apx SqFt(Htd/Cooled): 2525
SqFt Source: Prop App Site
Full Baths: 4
Half Baths: Yes
Total Baths: 5
# of Stories in Building: Yes
Year Built: 2024
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 3
Driveway Spaces: 4
Lot Dimensions: 97 x 199
Acreage: 0.44
Lot Size (SqFt): 19166
Pool: No

Waterfront Feature

Waterfront Feet: 97

Listing Info, Tax and Legal

Homestead: No
HOA Fee: No
New Buyer Fee: No
Last Taxes: 5648.08
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No

Remarks & Misc

Remarks: NOW PRICED BELOW APPRAISED VALUE! **Construction Complete** 1% lender credit with preferred lender to buy down rate or prepaids and closing costs! Discover your dream home located on Callaway Bayou just miles from the charm of Historic St. Andrews and downtown Panama City known for its quaint shops, dining & entertainment. This beautifully crafted NEW construction waterfront property, offers the perfect blend of modern living and tranquil waterfront beauty on nearly a half acre lot. NO HOA & NO FLOOD INSURANCE REQUIRED! Prime location near Tyndall AFB. Notable features include 2×6 construction, spray foam insulation, 5 ton HVAC, hurricane impact windows, and fortified roof.

More Information

Appliances

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

Interior Features

Breakfast Bar: Yes
Ceiling – Raised: Yes
Ceiling – Vaulted: Yes
Floor – Vinyl: Yes
Lighting – Recessed: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Siding – Vinyl: Yes

Exterior

Columns: Yes
Patio Covered: Yes
Sprinkler System: Yes

Financing

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

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Interior Lot: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

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

Waterview

Bayou: Yes

Waterfront Type

Bayou w/ Gulf Access: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

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

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBed Walk-in Closet: Yes
MBed Waterfront: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Microwave; Refrigerator; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Columns; Patio Covered; Sprinkler System Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Kitchen: First Living Room: First Lot Features: Interior Lot; Within 1/2 Mile to Water Lot Access: Paved Road Security Features: Smoke Detector(s) Parking Features: Garage Attached Rooms: Bedroom; Kitchen; Living Room; Primary Bedroom Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Bayou w/ Gulf Access Waterview: Bayou Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	22 x 11	22.00	11.00
Kitchen	First	22 x 11	22.00	11.00
Primary Bedroom	First	18 x 16	18.00	16.00
Bedroom	First	14 x 15	14.00	15.00
Bedroom	First	14 x 15	14.00	15.00
Bedroom	First	15 x 15	15.00	15.00

Listing Office: EXP Realty LLC

Last Updated: July – 09 – 2026

Information deemed reliable but not guaranteed.