3509 High Cliff Road, Panama City, FL 32409 (MLS# 787503)

3509 High Cliff Road, Panama City, FL 32409

$460,000

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Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,244 Lot Size (sq. ft.): 21,780 Status: Active

Current Price: $460,000 List Date: 4/15/2026 Last Modified: 6/06/2026

Overview

Description

NO HOA | Half-Acre Lot | Built in 2022 | Private En-Suite | Move-In Ready Looking for a newer home with space, upgrades, and freedom from an HOA? This beautiful 2022-built home sits on a generous half-acre lot near Deer Point Lake and offers the perfect blend of comfort, efficiency, and Florida living. The spacious floor plan features a desirable private en-suite retreat, providing a relaxing space to unwind at the end of the day. The open-concept layout flows seamlessly from the living area to the outdoor patio, making it ideal for entertaining family and friends. Built with energy efficiency in mind, the home includes fully insulated walls, Low-E windows, and an all-thread rod system for added hurricane and wind protection. Relax on the screened-in porch, enjoy the convenience of the newly added storage shed, and appreciate that the GE Profile washer and dryer are included. Located in Flood Zone X and just a short drive from Panama City's beautiful beaches, crystal-clear … (Read more)

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Listing Details MLS# 787503

Contract Info

List Price/SqFt: 204.99

Location

Area: 04 – Bay County – North
Street #: 3509
Street Name: High Cliff
Street Suffix: Road
State: FL
Zip Code: 32409
County: Bay
Sub Area: 0410 – Bay North – West Deerpoint/Southport
Subdivision: Cedar Creek Chase Ph 1
Community/Resort: None
Waterfront: No
Parcel ID: 07585-428-000
Elementary School: Deane Bozeman
Middle School: Deane Bozeman
High School: Deane Bozeman
Directions: From Hwy 77, Right at Red Light Hwy 2321, Left turn onto Resota Beach Road, Right turn onto High Cliff Road (Cedar Creek Subdivision), home on the Right Legal Description: CEDAR CREEK CHASE PH 1 LOT 128 ORB 3823 P 834
Legal Description: CEDAR CREEK CHASE PH 1 LOT 128 ORB 4572 P 1459

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2244
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
Year Built: 2022
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 101 X 258
Acreage: 0.5
Lot Size (SqFt): 21780
Pool: No

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: No
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 4786
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: NO HOA | Half-Acre Lot | Built in 2022 | Private En-Suite | Move-In Ready Looking for a newer home with space, upgrades, and freedom from an HOA? This beautiful 2022-built home sits on a generous half-acre lot near Deer Point Lake and offers the perfect blend of comfort, efficiency, and Florida living. The spacious floor plan features a desirable private en-suite retreat, providing a relaxing space to unwind at the end of the day. The open-concept layout flows seamlessly from the living area to the outdoor patio, making it ideal for entertaining family and friends. Built with energy efficiency in mind, the home includes fully insulated walls, Low-E windows, and an all-thread rod system for added hurricane and wind protection. Relax on the screened-in porch, enjoy the convenience of the newly added storage shed, and appreciate that the GE Profile washer and dryer are included. Located in Flood Zone X and just a short drive from Panama City's beautiful beaches, crystal-clear springs, boating, fishing, and outdoor recreation, this home offers the best of Florida living while maintaining a peaceful neighborhood setting. Priced at $460,000, this move-in-ready home is an exceptional opportunity. Schedule your private showing today

Covered Porch

First: Yes

More Information

Dining Room

First: Yes

Garage

First: Yes

Laundry

First: Yes

Master Bathroom

First: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
ENERGY STAR Qualified Appliances: Yes
Freezer: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Coffered: Yes
Ceiling – Crwn Molding: Yes
Floor – Tile: Yes
Floor – Vinyl: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Security System: Yes
Window – Treatment All: Yes

Construction/Siding

Brick: Yes
Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Trim – Hardie Board: Yes
Trim – Vinyl: Yes

Exterior

Columns: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Porch Covered: Yes
Porch Screened: Yes
Sprinkler System: Yes

Other Structures

Shed(s): Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Ceiling – Tray: Yes
Insulated Doors: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Landscaped: Yes
Subdivision – Recorded: Yes

Lot Access

County Road: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes
See Remarks: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Covered Porch: Yes
Dining Room: Yes
Full Bathroom: Yes
Garage: Yes
Half Bathroom: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes

Showing

ShowingTime: Yes
Security System: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Internet – Broadband Available: Yes
Phone – Connected: Yes
Public Water – Connected: Yes
Septic Tank: Yes
Underground Utilities: Yes

Sale Type

As Is: Yes
REO: Yes

Full Bathroom

First: Yes

Half Bathroom

First: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes
ENERGY STAR Qualified Equipment: Yes

Heating

Central: Yes
ENERGY STAR Qualified Equipment: Yes

Security Features

Security System: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Dryer; ENERGY STAR Qualified Appliances; Freezer; Ice Maker; Microwave; Oven – Electric; Refrigerator; Washer; Water Heater – Electric Full Bathroom: First Half Bathroom: First Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric; ENERGY STAR Qualified Equipment Heating: Central; ENERGY STAR Qualified Equipment Exterior: Columns; Double Pane Windows; Fenced Back Yard; Fenced Privacy; Porch Covered; Porch Screened; Sprinkler System Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Ceiling – Tray; Insulated Doors Kitchen: First Living Room: First Lot Features: Landscaped; Subdivision – Recorded Lot Access: County Road; Paved Road Master Bathroom: First Covered Porch: First Dining Room: First Garage: First Laundry: First Security Features: Security System; Smoke Detector(s) Parking Features: Driveway; Garage Attached; Garage Door Opener Other Structures: Shed(s) Rooms: Bedroom; Covered Porch; Dining Room; Full Bathroom; Garage; Half Bathroom; Kitchen; Laundry; Living Room; Master Bathroom; Master Bedroom Sale Type: As Is; REO Showing: Security System; ShowingTime Utilities: TV Cable; Electricity – Connected; Garbage; Internet – Broadband Available; Phone – Connected; Public Water – Connected; Septic Tank; Underground Utilities Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Bedroom	First	12 x 13	12.00	13.00
Bedroom	First	11.5 x 13.5	11.50	13.50
Bedroom	First	13.5 x 16	13.50	16.00
Master Bedroom	First	14 x 16	14.00	16.00
Master Bathroom	First	13 x 12	13.00	12.00
Half Bathroom	First	3.5 x 7	3.50	7.00
Full Bathroom	First	5.5 x 10	5.50	10.00
Full Bathroom	First	9 x 7	9.00	7.00
Laundry	First	7 x 10	7.00	10.00
Covered Porch	First	8 x 19.5	8.00	19.50	BACK PORCH SCREENED IN
Covered Porch	First	9 x 14	9.00	14.00
Garage	First	21 x 22	21.00	22.00
Kitchen	First	15 x 18	15.00	18.00
Living Room	First	19 x 19.5	19.00	19.50
Dining Room	First	11 x 13	11.00	13.00

Listing Office: Coastal Palms Real Estate

Last Updated: June – 06 – 2026

Information deemed reliable but not guaranteed.