3545 Mill Point Cove, Panama City, FL 32404 (MLS# 795625)

3545 Mill Point Cove, Panama City, FL 32404

New Listing

$379,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 1,694 Lot Size (sq. ft.): 4,356 Status: Active

Current Price: $379,000 List Date: 9/19/2026 Last Modified: 9/19/2026

Overview

Description

Welcome to 3545 Mill Point Cove in Panama City! This well-maintained home offers a peaceful setting with a beautiful pond out back, creating the perfect place to relax and enjoy the outdoors. Located in Flood Zone X, the property is conveniently close to schools, grocery stores, shopping, and everyday necessities. Whether you’re looking for a wonderful family home, an investment property, or a rental opportunity, this home offers plenty of flexibility. Its convenient location also makes it an excellent option for military families or tenants stationed at Tyndall Air Force Base. With its great condition, desirable location, and relaxing pond views, this property is ready for its next owner!

Listing Details MLS# 795625

Contract Info

List Price/SqFt: 223.73

Location

Area: 02 – Bay County – Central
Street #: 3545
Street Name: Mill Point
Street Suffix: Cove
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0201 – Bay – Central NE
Subdivision: Mill Point
Community/Resort: None
Waterfront: Yes
Gulf Access: No
Parcel ID: 11514-400-120
Elementary School: Deer Point
Middle School: Merritt Brown
High School: Mosley
Directions: Going down Transmitter, turn onto Mill Point Cove, house is at the end of the cul-de-sac
Legal Description: LOT 12, Mill Point, according to the map or plat thereof as recorded in Plat Book 28, Page 50, of the public records of Bay County, Florida

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 1694
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 2022
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Driveway Spaces: 4
Lot Dimensions: 40.0 ft x 104.0 ft
Acreage: 0.1
Lot Size (SqFt): 4356
Pool: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 200
HOA Frequency: Annually
HOA Annual Amount: 200
New Buyer Fee: No
Last Taxes: 4044.64
Last Tax Year: 2025
Brokerage Interest: No Interest
Township: Lynn Haven

Remarks & Misc

Remarks: Welcome to 3545 Mill Point Cove in Panama City! This well-maintained home offers a peaceful setting with a beautiful pond out back, creating the perfect place to relax and enjoy the outdoors. Located in Flood Zone X, the property is conveniently close to schools, grocery stores, shopping, and everyday necessities. Whether you're looking for a wonderful family home, an investment property, or a rental opportunity, this home offers plenty of flexibility. Its convenient location also makes it an excellent option for military families or tenants stationed at Tyndall Air Force Base. With its great condition, desirable location, and relaxing pond views, this property is ready for its next owner!

Dining Room

First: Yes

More Information

Appliances

Dishwasher: Yes
Disposal: Yes
Range – Electric: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Floor – Vinyl Plank: Yes
Pantry: Yes

Construction/Siding

Brick: Yes
Foundation – Slab on Grade: Yes
Roof – Composite Shngl: Yes

Exterior

Balcony: Yes
Double Pane Windows: Yes
Patio Open: Yes
Porch Covered: Yes
Sprinkler System: Yes

Association Fees Include

Management: Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes
Insulated Floors: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Survey Available: Yes

Lot Access

County Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Kitchen: Yes
Living Room: Yes

Utilities

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

Waterfront Type

Lakefront: Yes

Bedroom

Second: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Walk-In Closet: Yes

Security Features

Security System: Yes

Property Features

Appliances: Dishwasher; Disposal; Range – Electric; Water Heater – Electric Bedroom: Second Cooling: Central Air Heating: Central Exterior: Balcony; Double Pane Windows; Patio Open; Porch Covered; Sprinkler System Association Fees Include: Management Financing: Cash; Conventional; FHA; USDA; VA Furnished: Unfurnished Interior: Floor – Carpet; Insulated Floors Kitchen: First Living Room: First Lot Features: Survey Available Lot Access: County Road Dining Room: First Security Features: Security System Parking Features: Driveway; Garage Attached Rooms: Bedroom; Dining Room; Kitchen; Living Room Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Lakefront Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	16.5 x 15	16.50	15.00
Kitchen	First	10.8 x 10.1	10.80	10.10
Dining Room	First	11.2 x 10.1	11.20	10.10
Bedroom	Second	12 x 11.2	12.00	11.20
Bedroom	Second	11 x 10.2	11.00	10.20
Bedroom	Second	11.1 x 10.1	11.10	10.10

Listing Office: Anchor Realty Florida

Last Updated: September – 19 – 2026

Information deemed reliable but not guaranteed.