4109 Choctaw Street, Panama City, FL 32408 (MLS# 787149)

4109 Choctaw Street, Panama City, FL 32408

$1,795,000

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,174 Lot Size (sq. ft.): 6,229 Status: Active

Current Price: $1,795,000 List Date: 3/21/2026 Last Modified: 3/21/2026

Overview

Description

HEATED POOL- STEPS TO BEACH Last years rental income in the high $90 and this year is on its way to over $100K Ideal as a beach rental or second home, this stunning property offers the perfect blend of comfort and coastal charm. Located just moments from beach access, it features a private fenced-in pool and two owner's suites for ultimate convenience. Upstairs, the primary owner's suite boasts balcony access, a tile shower, granite countertops, and a double vanity. The second level also includes a bunk room, two additional King-sized bedrooms, and a shared bath. Downstairs, the open-concept living and dining area creates a welcoming space for gatherings. The kitchen overlooks the living room and features granite countertops, a large island, stainless steel appliances, and crisp white cabinetry. The first-floor owner's suite provides added flexibility, while French doors lead from the living area to a covered patio, private pool, and outdoor shower—perfect for enjoying the … (Read more)

Listing Details MLS# 787149

Contract Info

List Price/SqFt: 825.67

Location

Area: 03 – Bay County – Beach
Street #: 4109
Street Name: Choctaw
Street Suffix: Street
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Silver Sands Beach
Community/Resort: None
Waterfront: No
Parcel ID: 30498-000-003
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Thomas Dr eastbound turn right onto Utes St. Then turn left onto Surf Dr and left onto Choctaw St. Home will be on your left.
Legal Description: SILVER SANDS BEACH THE SLY 50' OF LOTS 4 & 5 AND THE SLY 50' OF THE ELY 25' OF LOT 3 BLK 4 ORB 4581 P 1704

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2174
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
Year Built: 2021
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: No
Lot Dimensions: Silver Sands Beach The Sly 50' of lots 4 and 5 and
Acreage: 0.14
Lot Size (SqFt): 6229
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 14376
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: HEATED POOL- STEPS TO BEACH Last years rental income in the high $90 and this year is on its way to over $100K Ideal as a beach rental or second home, this stunning property offers the perfect blend of comfort and coastal charm. Located just moments from beach access, it features a private fenced-in pool and two owner's suites for ultimate convenience. Upstairs, the primary owner's suite boasts balcony access, a tile shower, granite countertops, and a double vanity. The second level also includes a bunk room, two additional King-sized bedrooms, and a shared bath. Downstairs, the open-concept living and dining area creates a welcoming space for gatherings. The kitchen overlooks the living room and features granite countertops, a large island, stainless steel appliances, and crisp white cabinetry. The first-floor owner's suite provides added flexibility, while French doors lead from the living area to a covered patio, private pool, and outdoor shower—perfect for enjoying the coastal breeze. Don't miss out on this incredible beachside retreat!

Bunk Room

Second: Yes

More Information

Pool Features

Fenced: Yes
Inground: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Oven – Convection: Yes
Range – Electric: Yes
Washer: Yes

Interior Features

Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes

Construction/Siding

Roof – Metal: Yes
Siding – Hardie Board: Yes

Exterior

Balcony: Yes
Fenced Back Yard: Yes
Shower: Yes
Patio Open: Yes
Porch Covered: Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Furnished: Yes

Interior

Bunk Room: Yes

Living Room

First: Yes

Lot Features

Near Beach Access: Yes
Subdivision – Recorded: Yes
Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
No Garage: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed Balcony: Yes
MBed Walk-in Closet: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Bunk Room: Yes
Living Room: Yes
Master Bedroom: Yes

Utilities

Electricity – Connected: Yes

Master Bedroom

First: Yes
Second: Yes

Bedroom

Second: Yes

Cooling

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

Heating

Central: Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Microwave; Oven – Convection; Range – Electric; Washer Master Bedroom: First; Second Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central Exterior: Balcony; Fenced Back Yard; Shower; Patio Open; Porch Covered Financing: Cash; Conventional; VA Furnished: Furnished Interior: Bunk Room Living Room: First Lot Features: Near Beach Access; Subdivision – Recorded; Within 1/2 Mile to Water Lot Access: City Street; Paved Road Bunk Room: Second Pool Features: Fenced; Inground Parking Features: Driveway; No Garage Rooms: Bedroom; Bunk Room; Living Room; Master Bedroom Utilities: Electricity – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Master Bedroom	Second	17 x 13	17.00	13.00	Buyer to verify all measurements
Master Bedroom	First	14 x 12	14.00	12.00	Buyer to verify all measurements
Bedroom	Second	14 x 11	14.00	11.00	Buyer to verify all measurements
Bedroom	Second	14 x 11	14.00	11.00	Buyer to verify all measurements
Bunk Room	Second				Buyer to verify all measurements
Living Room	First	23 x 14	23.00	14.00	Dining/Living Room Combo

Listing Office: Blue Swell Realty

Last Updated: March – 21 – 2026

Information deemed reliable but not guaranteed.