4109 Ocean Street, Panama City Beach, FL 32408 (MLS# 793024)

4109 Ocean Street, Panama City Beach, FL 32408

$825,000

Virtual Tour

https://www.zillow.com/view-imx/fcd14c4d-8b73-4e68-b4ca-981f4665a2b8?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,000 Lot Size (sq. ft.): 2,614 Status: Under Contract – Taking Backups

Current Price: $825,000 List Date: 7/23/2026 Last Modified: 9/10/2026

Overview

Description

Under Contract – Taking Back Up Offers Only Just one block from the white sandy beach! Located withing walking distance to public beach access 18. Looking for your next rental? This home is currently bringing in $90k per year rental income. Whether looking to live in or rent the location can not be beat! The home has everything you could think of for maximizing rent including a pool, gaming, balconies for sunset and sunrise watching. Located on the East end near Surf Dr. The garage has been transformed into a game room. It can be converted back. Sq ft is approximate due to garage conversion. Originally 1600 sq ft with garage. No HOA! View this home on Zillow Showcase to see the interactive features.

Listing Details MLS# 793024

Contract Info

List Price/SqFt: 412.5

Location

Area: 03 – Bay County – Beach
Street #: 4109
Street Name: Ocean
Street Suffix: Street
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Bel Air
Community/Resort: Bel Air
Waterfront: No
Parcel ID: 30388-000-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Thomas Dr turn onto Ocean St
Legal Description: COTTAGES ON OCEAN SUB UNIT 4 FORMERLY KWN AS FOLLOWING DESC BEL AIR COM AT NLY COR LOT 1 SWLY 90' FOR POB TH SELY 100' TO SELY LINE LOT 2 SWLY 30' TO SLY COR LOT 2 NWLY 100' TO WLY COR LOT 1 NELY 30' TO POB BEING PART OF LOTS 1 & 2 BLK 15 AKA PCL #4 ORB 4542 P 234

General Property Info

Sub-Type: Detached Single Family
Design: Florida Cottage
Apx SqFt(Htd/Cooled): 2000
SqFt Source: Agent Measured
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Accessory Dwelling Unit: No
Year Built: 2003
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 30.0 ft x 100.0 ft
Acreage: 0.06
Lot Size (SqFt): 2614
Pool: Yes
Pool Type: Private

Status Change Info

Under Contract Date: 2026-09-05

Listing Info, Tax and Legal

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

Remarks & Misc

Remarks: Under Contract – Taking Back Up Offers Only Just one block from the white sandy beach! Located withing walking distance to public beach access 18. Looking for your next rental? This home is currently bringing in $90k per year rental income. Whether looking to live in or rent the location can not be beat! The home has everything you could think of for maximizing rent including a pool, gaming, balconies for sunset and sunrise watching. Located on the East end near Surf Dr. The garage has been transformed into a game room. It can be converted back. Sq ft is approximate due to garage conversion. Originally 1600 sq ft with garage. No HOA! View this home on Zillow Showcase to see the interactive features.

More Information

Pool Features

Inground: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes

Interior Features

Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Floor – Vinyl: Yes
Stairs: Yes

Exterior

Balcony: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Shower: Yes
Storm Windows: Yes

Financing

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

Furnished

Furnished: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

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

Sale Type

As Is: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Electric: Yes

Primary Bdrm/Primary Bath

MBed Walk-in Closet: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Property Features

Appliances: Dishwasher; Dryer; Oven – Electric; Range – Electric; Refrigerator; Washer Cooling: Central Air; Electric Heating: Central; Electric; Fireplace – Electric Exterior: Balcony; Double Pane Windows; Fenced Back Yard; Fenced Privacy; Shower; Storm Windows Financing: Cash; Conventional; FHA; VA Furnished: Furnished Lot Access: Paved Road Pool Features: Inground Parking Features: Driveway Rooms: Bedroom; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Dimensions	Length	Width
Bedroom	12 x 10	12.00	10.00
Bedroom	12 x 10	12.00	10.00
Primary Bedroom	14 x 12	14.00	12.00

Listing Office: Real Broker LLC

Last Updated: September – 10 – 2026

Information deemed reliable but not guaranteed.