316 Cherry Street 41, Panama City, FL 32401 (MLS# 792976)

316 Cherry Street 41, Panama City, FL 32401

New Listing

$240,000

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 860 Status: Active

Current Price: $240,000 List Date: 7/21/2026 Last Modified: 7/21/2026

Overview

Description

Welcome to Bay Club at St. Andrews, a low-density waterfront condominium community known for its peaceful atmosphere, coastal charm, and low turnover directly on St. Andrews Bay. The bright, inviting interior open living space extends to a private balcony overlooking the bay, beautifully nestled among the palm trees. It is the perfect place to enjoy morning coffee, coastal breezes, and unforgettable sunsets. Residents enjoy a bayfront pool, elevator, dock, swing, picnic area, garden space, and inviting outdoor areas for fishing or relaxing by the water. Located between The Cove and downtown, Bay Club is just minutes from historic downtown Panama City, St. Andrews, waterfront parks, local dining, and shopping. Whether you are seeking a full-time residence or peaceful coastal retreat, this waterfront condo offers an exceptional blend of charm, convenience, and lifestyle.

Listing Details MLS# 792976

Contract Info

List Price/SqFt: 279.07

Location

Area: 02 – Bay County – Central
Street #: 316
Street Name: Cherry
Street Suffix: Street
Unit #: 41
State: FL
Zip Code: 32401
County: Bay
Sub Area: 0203 – Bay – Central SW
Subdivision: Bay Club Condo Ph 1
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 25679-122-000
Elementary School: Cherry Street
Middle School: Jinks
High School: Bay
Directions: South on Cove Blvd, turn right on Cherry St. Complex will be on the left
Legal Description: BAY CLUB CONDO PHASE II UNIT 41 ORB 3263 P 818 2BR 2B 860 H&C

General Property Info

Sub-Type: Condominium
Floor Number: 3
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 860
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Accessory Dwelling Unit: No
Year Built: 1982
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Assigned Spaces: Yes
Lot Dimensions: condo
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 567
HOA Frequency: Monthly
HOA Annual Amount: 6804
Is Subject Leased: No
New Buyer Fee: No
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Welcome to Bay Club at St. Andrews, a low-density waterfront condominium community known for its peaceful atmosphere, coastal charm, and low turnover directly on St. Andrews Bay. The bright, inviting interior open living space extends to a private balcony overlooking the bay, beautifully nestled among the palm trees. It is the perfect place to enjoy morning coffee, coastal breezes, and unforgettable sunsets. Residents enjoy a bayfront pool, elevator, dock, swing, picnic area, garden space, and inviting outdoor areas for fishing or relaxing by the water. Located between The Cove and downtown, Bay Club is just minutes from historic downtown Panama City, St. Andrews, waterfront parks, local dining, and shopping. Whether you are seeking a full-time residence or peaceful coastal retreat, this waterfront condo offers an exceptional blend of charm, convenience, and lifestyle.

Pool Features

Inground: Yes

More Information

Appliances

Dishwasher: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer/Dryer Stacked: Yes

Interior Features

Floor – Laminate: Yes

Construction/Siding

Concrete: Yes
Foundation – Slab on Grade: Yes
Roof – Tile/Slate: Yes
Siding – Stucco: Yes

Exterior

Balcony: Yes
Sprinkler System: Yes

Waterfront Feature

Dock: Yes
Shore – Beach: Yes

Association Fees Include

Ground Keeping: Yes
Insurance: Yes
Legal: Yes
Management: Yes
Pest Control: Yes
Sewer: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Parking Features

Assigned: Yes

Association Amenities

Dock: Yes
Elevators: Yes

Rooms

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

Showing

ShowingTime: Yes

Utilities

TV Cable: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Bay: Yes

Waterfront Type

Bay/Harbor: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBed Walk-in Closet: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Range – Electric; Refrigerator; Washer/Dryer Stacked Primary Bedroom: First Bedroom: First Cooling: Central Air; Electric Heating: Central; Electric Exterior: Balcony; Sprinkler System Association Fees Include: TV Cable; Insurance; Legal; Ground Keeping; Management; Pest Control; Sewer; Trash Disposal; Water Furnished: Unfurnished Kitchen: First Living Room: First Pool Features: Inground Security Features: Smoke Detector(s) Parking Features: Assigned Association Amenities: Dock; Elevators Rooms: Bedroom; Kitchen; Living Room; Primary Bedroom Showing: ShowingTime Utilities: TV Cable; Public Sewer – Connected; Public Water – Connected Waterfront Type: Bay/Harbor Waterfront Feature: Dock; Shore – Beach Waterview: Bay

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	15 x 11	15.00	11.00
Bedroom	First	12 x 10	12.00	10.00
Living Room	First	24 x 11	24.00	11.00
Kitchen	First	9 x 7	9.00	7.00

Listing Office: Beachy Beach Real Estate

Last Updated: July – 21 – 2026

Information deemed reliable but not guaranteed.