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: 3/04/2026

Description

Welcome to your slice of true coastal paradise just steps from the sugar-white sand and iconic Emerald-green waters, with no main roads to cross, no HOA restrictions, and your very own private pool. This beautifully remodeled beach home offers the rare combination of walkable Gulf access, beach views, and true resort-style living, making it an exceptional opportunity as a full-time residence, second home, or income-producing coastal retreat. Perfectly positioned near the newly renovated Tootsies, you will enjoy easy access to dining, entertainment, and the heart of the beach lifestyle. The private backyard oasis with pool is the undeniable showstopper, creating the perfect setting for relaxing, entertaining, and maximizing rental appeal. After a long day at the beach, rinse off in the 10-foot private outdoor shower, conveniently located just off the downstairs porch. The combination of a private pool and effortless walkability to the beach is a rare luxury and one of the most in-demand features along the coast. Inside, the home blends coastal charm with modern comfort, featuring hardwood flooring throughout, Silver Pearl granite countertops, stainless steel appliances, and a sleek touch-activated kitchen faucet. The electric fireplace, easily activated by switch, anchors the main living space and creates a warm, inviting atmosphere for laid-back coastal evenings. Outdoor living continues with two private balconies located off the Great Room and the Primary Suite, offering beach views and fresh Gulf breezes. The private porch off the downstairs bedroom flows seamlessly into the pool and outdoor shower area, making indoor-outdoor living effortless and ideal for entertaining. The garage has been converted into a spacious game room, adding exceptional recreational value and elevating the home’s rental potential while still functioning beautifully for everyday living. With no HOA, strong walkability, dining and nightlife nearby, a private pool, and multiple outdoor living spaces, this property delivers the freedom, flexibility, and coastal lifestyle buyers are searching for. Spring season is right around the corner, and homes with a private pool, beach access, and no HOA do not last. Grab this one before peak demand hits and secure your place in one of the most desirable coastal locations available.

Open Houses

Sunday, March 08, 12:00 pm – 3:00 pm

More Information MLS# 782332

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

Contract Info

List Price/SqFt: 529.38 Status: Active List Date: 2025-12-04 List Price: $847,000 Current Price: $847,000

Location

Sub Area: 0323 – Beach – South of Grand Lagoon Community/Resort: None Waterfront: No 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. Area: 03 – Bay County – Beach Street #: 4109 Street Name: Ocean Street Suffix: Street State: FL Zip Code: 32408 County: Bay Subdivision: [No Recorded Subdiv] Parcel ID: 30388-000-000 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

Acreage: 0.07 Design: Beach House Lot Size (SqFt): 2962 Apx SqFt(Htd/Cooled): 1600 Immediate Occupancy: Yes Construction Status: Construction Complete SqFt Source: Prop App Site Lot Dimensions: 100X30 New Construction: No Garage Y/N: Yes Garage Spaces: 1 Driveway Spaces: 2 Pool: Yes Pool Type: Private Sub-Type: Detached Single Family Bedrooms: 3 Full Baths: 2 Total Baths: 2 Year Built: 2003

Remarks & Misc

Remarks: Welcome to your slice of true coastal paradise just steps from the sugar-white sand and iconic Emerald-green waters, with no main roads to cross, no HOA restrictions, and your very own private pool. This beautifully remodeled beach home offers the rare combination of walkable Gulf access, beach views, and true resort-style living, making it an exceptional opportunity as a full-time residence, second home, or income-producing coastal retreat. Perfectly positioned near the newly renovated Tootsies, you will enjoy easy access to dining, entertainment, and the heart of the beach lifestyle. The private backyard oasis with pool is the undeniable showstopper, creating the perfect setting for relaxing, entertaining, and maximizing rental appeal. After a long day at the beach, rinse off in the 10-foot private outdoor shower, conveniently located just off the downstairs porch. The combination of a private pool and effortless walkability to the beach is a rare luxury and one of the most in-demand features along the coast. Inside, the home blends coastal charm with modern comfort, featuring hardwood flooring throughout, Silver Pearl granite countertops, stainless steel appliances, and a sleek touch-activated kitchen faucet. The electric fireplace, easily activated by switch, anchors the main living space and creates a warm, inviting atmosphere for laid-back coastal evenings. Outdoor living continues with two private balconies located off the Great Room and the Primary Suite, offering beach views and fresh Gulf breezes. The private porch off the downstairs bedroom flows seamlessly into the pool and outdoor shower area, making indoor-outdoor living effortless and ideal for entertaining. The garage has been converted into a spacious game room, adding exceptional recreational value and elevating the home’s rental potential while still functioning beautifully for everyday living. With no HOA, strong walkability, dining and nightlife nearby, a private pool, and multiple outdoor living spaces, this property delivers the freedom, flexibility, and coastal lifestyle buyers are searching for. Spring season is right around the corner, and homes with a private pool, beach access, and no HOA do not last. Grab this one before peak demand hits and secure your place in one of the most desirable coastal locations available.

Pool Features

Fenced: 1 Gunite Concrete: 1 Inground: 1

Appliances

Cooktop – Electric: 1 Dishwasher: 1 Disposal: 1 Dryer: 1 Microwave: 1 Range – Electric: 1 Washer: 1 Water Heater – Electric: 1

Interior Features

Breakfast Bar: 1 Ceiling – Beamed: 1 Ceiling – Crwn Molding: 1 Fireplace: 1 Floor – Hardwood: 1 Floor – Tile: 1 Lighting – Recessed: 1 Lighting – Track: 1 Lock Out Closet: 1 Split Bedroom: 1 Stairs: 1 Window – Bay: 1

Construction/Siding

Foundation – Slab on Grade: 1 Roof – Metal: 1 Siding – Stucco: 1

Exterior

Balcony: 1 Deck Covered: 1 Double Pane Windows: 1 Fenced Back Yard: 1 Fenced Privacy: 1 Fireplace: 1 Shower: 1 Porch Covered: 1 Sprinkler System: 1 Storm Doors: 1 Storm Windows: 1

Financing

Cash: 1 Conventional: 1 VA: 1

Furnished

Furnished: 1

Interior

Insulated Doors: 1

Lot Features

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

Lot Access

County Road: 1 Paved Road: 1

Parking Features

Driveway: 1 Garage Attached: 1

Present Zoning

Resid Single Family: 1

Rooms

Bedroom: 1 Master Bedroom: 1

Utilities

TV Cable: 1 Electricity – Connected: 1 Garbage: 1 Public Sewer – Connected: 1 Public Water – Connected: 1

Waterview

Gulf: 1

Sale Type

As Is: 1

Master Bedroom

Second: 1

Bedroom

First: 1

Cooling

Ceiling Fan(s): 1 ENERGY STAR Qualified Equipment: 1

Heating

ENERGY STAR Qualified Equipment: 1

Security Features

Security System: 1 Smoke Detector(s): 1

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

Master Bedroom Level: Second Dimensions: 16 x 13 Length: 16.00 Width: 13.00 Dimensions: 16 x 13 Remarks: Verify if important Bedroom Level: First Dimensions: 14 x 11 Length: 14.00 Width: 11.00 Dimensions: 14 x 11 Remarks: Verify if important Bedroom Level: First Dimensions: 12 x 10 Length: 12.00 Width: 10.00 Dimensions: 12 x 10 Remarks: Verify if important
Listing Office: Coastal Living Realty & Associates
Last Updated: March – 04 – 2026
Information deemed reliable but not guaranteed.