4109 Ocean Street, Panama City, FL 32408 (MLS# 782332)

4109 Ocean Street, Panama City, FL 32408

$847,000

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,600 Lot Size (sq. ft.): 2,962 Status: Active

Current Price: $847,000 List Date: 6/01/2026 Last Modified: 6/07/2026

Overview

Description

Location. Luxury. Lifestyle. Just steps from the sugar-white sands and emerald waters of the Gulf, this beautifully updated beach house offers the ultimate Panama City Beach retreat with NO HOA and incredible vacation rental possibilities. Perfectly positioned less than a block from Beach Access 19, this property places you within walking distance to dining, entertainment, local hotspots, and just minutes from the NEW Tootsies. Designed with a fresh modern coastal aesthetic, the home features an open-concept layout filled with natural light, stylish finishes, and effortless indoor-outdoor living. The spacious living area flows seamlessly into the oversized kitchen complete with a large entertaining bar and generous counter space ideal for hosting or vacation rentals Whether you're searching for a luxury second home, beach getaway, or income-producing opportunity, this property checks every box. The location, layout, and amenities create exceptional potential for short-term rental … (Read more)

Listing Details MLS# 782332

Contract Info

List Price/SqFt: 529.38

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: [No Recorded Subdiv]
Community/Resort: None
Waterfront: No
Parcel ID: 30388-000-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Panama City, take US-98 W over the Hathaway Bridge toward Panama City Beach. Continue on US-98 (Back Beach Rd). Turn left onto Hwy 79 (Arnold Rd) toward the beach. Turn right onto Front Beach Rd and continue west. Turn right onto Lullwater Dr, then left onto Ocean St. Property will be on the right at 24109 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: Beach House
Apx SqFt(Htd/Cooled): 1600
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 2003
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Driveway Spaces: 2
Lot Dimensions: 100X30
Acreage: 0.07
Lot Size (SqFt): 2962
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: No
New Buyer Fee: No
Last Taxes: 5446
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Location. Luxury. Lifestyle. Just steps from the sugar-white sands and emerald waters of the Gulf, this beautifully updated beach house offers the ultimate Panama City Beach retreat with NO HOA and incredible vacation rental possibilities. Perfectly positioned less than a block from Beach Access 19, this property places you within walking distance to dining, entertainment, local hotspots, and just minutes from the NEW Tootsies. Designed with a fresh modern coastal aesthetic, the home features an open-concept layout filled with natural light, stylish finishes, and effortless indoor-outdoor living. The spacious living area flows seamlessly into the oversized kitchen complete with a large entertaining bar and generous counter space ideal for hosting or vacation rentals Whether you're searching for a luxury second home, beach getaway, or income-producing opportunity, this property checks every box. The location, layout, and amenities create exceptional potential for short-term rental success in one of the most sought-after areas on the beach. The oversized primary suite serves as a private retreat featuring balcony access overlooking the pool and a stunning spa-inspired walk-in glass shower. Outside, enjoy your own Private heated pool, multiple balcony spaces, and the laid-back upscale coastal lifestyle buyers are looking for. The garage has been transformed into an entertaining game room, adding even more flexibility and guest appeal. From pool days to game nights, this home was designed for unforgettable beach memories. Rarely do homes this close to the beach with NO HOA, private pool, upscale updates, and this much versatility become available in such a prime location. Photos may include digital enhancements, editing, or virtual staging.

Pool Features

Fenced: Yes
Gunite Concrete: Yes
Inground: Yes

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Range – Electric: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Beamed: Yes
Ceiling – Crwn Molding: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Lighting – Recessed: Yes
Lighting – Track: Yes
Lock Out Closet: Yes
Split Bedroom: Yes
Stairs: Yes
Window – Bay: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Metal: Yes
Siding – Stucco: Yes

Exterior

Balcony: Yes
Deck Covered: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Fireplace: Yes
Shower: Yes
Porch Covered: Yes
Sprinkler System: Yes
Storm Doors: Yes
Storm Windows: Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Furnished: Yes

Interior

Insulated Doors: Yes

Lot Features

Cleared: Yes
Landscaped: Yes
Within 1/2 Mile to Water: Yes

Lot Access

County Road: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

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

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
ENERGY STAR Qualified Equipment: Yes

Heating

ENERGY STAR Qualified Equipment: Yes

Security Features

Security System: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Dryer; Microwave; Range – Electric; Washer; Water Heater – Electric Bedroom: First Cooling: Ceiling Fan(s); ENERGY STAR Qualified Equipment Heating: ENERGY STAR Qualified Equipment Exterior: Balcony; Deck Covered; Double Pane Windows; Fenced Back Yard; Fenced Privacy; Fireplace; Shower; Porch Covered; Sprinkler System; Storm Doors; Storm Windows Financing: Cash; Conventional; VA Furnished: Furnished Interior: Insulated Doors Lot Features: Cleared; Landscaped; Within 1/2 Mile to Water Lot Access: County Road; Paved Road Pool Features: Fenced; Gunite Concrete; Inground Security Features: Security System; Smoke Detector(s) Parking Features: Driveway; Garage Attached Rooms: Bedroom; Primary Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Garbage; Public Sewer – Connected; Public Water – Connected Waterview: Gulf Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Master Bedroom	Second	16 x 13	16.00	13.00	Verify if important
Bedroom	First	14 x 11	14.00	11.00	Verify if important
Bedroom	First	12 x 10	12.00	10.00	Verify if important

Listing Office: Coastal Living Realty & Associates

Last Updated: June – 07 – 2026

Information deemed reliable but not guaranteed.