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:
12/04/2025
Last Modified:
4/18/2026
Overview
Description
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
- Coastal living meets income potential just steps from the sugar-white sand and emerald waters of Panama City Beach, with no busy roads to cross! Perfectly positioned in a highly desirable, short-term rental friendly location, this beautifully updated home offers a light-filled open layout, coastal finishes, and double balconies that enhance both everyday living and guest appeal. Enjoy your own private heated pool and outdoor shower after a day at the beach, one of the most sought-after features for vacationers. With NO HOA, you'll benefit from maximum flexibility and stronger returns, whether used as a personal retreat or an income-producing investment. Walkable to dining, entertainment, and local hotspots, this property delivers the laid-back beach lifestyle buyers love with the performance investors are looking for. 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
- Master 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
Master Bedroom
- Second
- 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
Master Bedroom:
Second
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; Master 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: April – 18 – 2026
Information deemed reliable but not guaranteed.