4113 Cobalt Circle PO72, Panama City, FL 32408 (MLS# 791328)

4113 Cobalt Circle PO72, Panama City, FL 32408

New Listing

$624,000

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,608 Status: Active

Current Price: $624,000 List Date: 6/14/2026 Last Modified: 6/14/2026

Overview

Description

Welcome to Waterhaven, one of Panama City Beach's most sought-after gated waterfront communities on beautiful St. Andrews Bay. This exclusive non-rental community offers a peaceful coastal lifestyle with resort-style amenities, breathtaking bay views, and convenient access to beaches, boating, dining, and entertainment. This spacious 3-bedroom, 2.5-bath waterfront residence offers approximately 1,608 square feet of thoughtfully designed living space with stunning bay views and an open-concept layout. While located on the first floor, the bay-side elevation provides the feel and vantage point of a second-floor unit, enhancing natural light and delivering elevated water views. Rich hardwood floors, tall ceilings and elegant molding details add warmth and timeless sophistication throughout. This exceptional condo combines privacy, luxury, and convenience. The beautifully updated kitchen blends elegance and functionality, featuring a Viking gas range, Sub-Zero refrigerator, quartz co … (Read more) Welcome to Waterhaven, one of Panama City Beach’s most sought-after gated waterfront communities on beautiful St. Andrews Bay. This exclusive non-rental community offers a peaceful coastal lifestyle with resort-style amenities, breathtaking bay views, and convenient access to beaches, boating, dining, and entertainment. This spacious 3-bedroom, 2.5-bath waterfront residence offers approximately 1,608 square feet of thoughtfully designed living space with stunning bay views and an open-concept layout. While located on the first floor, the bay-side elevation provides the feel and vantage point of a second-floor unit, enhancing natural light and delivering elevated water views. Rich hardwood floors, tall ceilings and elegant molding details add warmth and timeless sophistication throughout. This exceptional condo combines privacy, luxury, and convenience. The beautifully updated kitchen blends elegance and functionality, featuring a Viking gas range, Sub-Zero refrigerator, quartz countertops, designer tile backsplash, under-cabinet lighting, deep Kraus undermount stainless steel sink & faucet, and recently updated dishwasher, microwave, and garbage disposal. The spacious living and dining areas flow seamlessly to a large covered balcony, the perfect place to enjoy breathtaking sunrises over St. Andrews Bay. The primary suite offers tranquil water views through elegant French doors and features a beautifully updated spa-inspired bath with new countertops, vessel sinks & faucets, modern faucets, updated lighting, and a soaking tub designed for ultimate relaxation. Two additional bedrooms provide space for guests, family, or a home office and share a convenient Jack-and-Jill bath. Both bedrooms feature private access to the community-side porches, creating an inviting extension of outdoor living and coastal atmosphere. Residents enjoy exceptional resort-style amenities, including a bayfront pool, a beautifully appointed clubhouse with a fitness center, theater, and meeting room, as well as one of the largest private piers in Bay County. It the perfect spot for fishing, boating, and taking in the breathtaking views of St. Andrews Bay. Conveniently located near marinas, beaches, dining, shopping, golf courses and St. Andrews State Park, this remarkable waterfront residence offers the coastal lifestyle you’ve been dreaming of.

Listing Details MLS# 791328

Contract Info

List Price/SqFt: 388.06

Location

Area: 03 – Bay County – Beach
Street #: 4113
Street Name: Cobalt
Street Suffix: Circle
Unit #: PO72
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Waterhaven
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40000-050-050
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: Travel East on PCB Pkwy to Thomas Drive South, travel south on Thomas Dr and turn left onto Magnolia Beach Road, turn left onto Delwood Rd, turn right onto Magnolia Beach Drive. Enter gate and drive t
Legal Description: WATERHAVEN UNIT P072 TYPE F2 3BR 2.5B ORB 2904 P 186 1608 SF ORB 4296 P 415

General Property Info

Sub-Type: Condominium
Floor Number: Yes
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1608
SqFt Source: An Appraiser
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 3
Year Built: 2007
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 2688
HOA Frequency: Quarterly
HOA Annual Amount: 10752
New Buyer Fee: No
Last Taxes: 3547
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Welcome to Waterhaven, one of Panama City Beach's most sought-after gated waterfront communities on beautiful St. Andrews Bay. This exclusive non-rental community offers a peaceful coastal lifestyle with resort-style amenities, breathtaking bay views, and convenient access to beaches, boating, dining, and entertainment. This spacious 3-bedroom, 2.5-bath waterfront residence offers approximately 1,608 square feet of thoughtfully designed living space with stunning bay views and an open-concept layout. While located on the first floor, the bay-side elevation provides the feel and vantage point of a second-floor unit, enhancing natural light and delivering elevated water views. Rich hardwood floors, tall ceilings and elegant molding details add warmth and timeless sophistication throughout. This exceptional condo combines privacy, luxury, and convenience. The beautifully updated kitchen blends elegance and functionality, featuring a Viking gas range, Sub-Zero refrigerator, quartz countertops, designer tile backsplash, under-cabinet lighting, deep Kraus undermount stainless steel sink & faucet, and recently updated dishwasher, microwave, and garbage disposal. The spacious living and dining areas flow seamlessly to a large covered balcony, the perfect place to enjoy breathtaking sunrises over St. Andrews Bay. The primary suite offers tranquil water views through elegant French doors and features a beautifully updated spa-inspired bath with new countertops, vessel sinks & faucets, modern faucets, updated lighting, and a soaking tub designed for ultimate relaxation. Two additional bedrooms provide space for guests, family, or a home office and share a convenient Jack-and-Jill bath. Both bedrooms feature private access to the community-side porches, creating an inviting extension of outdoor living and coastal atmosphere. Residents enjoy exceptional resort-style amenities, including a bayfront pool, a beautifully appointed clubhouse with a fitness center, theater, and meeting room, as well as one of the largest private piers in Bay County. It the perfect spot for fishing, boating, and taking in the breathtaking views of St. Andrews Bay. Conveniently located near marinas, beaches, dining, shopping, golf courses and St. Andrews State Park, this remarkable waterfront residence offers the coastal lifestyle you've been dreaming of.

Pool Features

Gunite Concrete: Yes
Heated – Gas: Yes
Inground: Yes

More Information

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Gas: Yes
Range – Gas: Yes
Range Hood: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Ceiling – Crwn Molding: Yes
Elevator: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Window – Treatment All: Yes

Exterior

Balcony: Yes
Columns: Yes
Deck Covered: Yes
Porch Covered: Yes

Waterfront Feature

Bulkhead/Seawall: Yes

Other Structures

Other: Yes

Association Fees Include

Beach: Yes
Boat Launch: Yes
Boat Slip Usage: Yes
Community Room: Yes
Dumpster: Yes
Exercise Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Insurance: Yes
Management: Yes
Master Association: Yes
Pest Control: Yes
Pool: Yes
Sewer: Yes
Theater: Yes
Trash Disposal: Yes
Water: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Unfurnished: Yes

Interior

Ceiling – Tray: Yes
Floor – Carpet: Yes

Lot Features

Waterfront: Yes

Lot Access

Gated Access: Yes

Parking Features

Gated: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Boat Launch: Yes
Business Center: Yes
Community Room: Yes
Conference Center: Yes
Dumpster: Yes
Elevators: Yes
Exercise Room: Yes
Fishing: Yes
Gated Community: Yes
Pool: Yes
Separate Storage: Yes
Theater: Yes
Waterfront: Yes
Boat Slip: Yes
Sidewalks: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

Cable – Available: Yes
Electricity – Availabile: Yes
Garbage: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Bay: Yes

Sale Type

As Is: Yes

Waterfront Type

Bay/Harbor: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBath Walk-In Closet: Yes
MBed Balcony: Yes
MBed First Floor: Yes
MBed Waterfront: Yes

Security Features

Fire Alarm: Yes
Fire Sprinkler System: Yes
Gated Community: Yes
Security Gate: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Gas; Range – Gas; Range Hood; Refrigerator; Water Heater – Electric Primary Bedroom: First Bedroom: First Heating: Central; Electric Exterior: Balcony; Columns; Deck Covered; Porch Covered Association Fees Include: Beach; Boat Launch; Boat Slip Usage; Community Room; Dumpster; Exercise Room; Gated Community; Insurance; Ground Keeping; Management; Master Association; Pest Control; Pool; Sewer; Theater; Trash Disposal; Water Financing: Cash; Conventional Furnished: Unfurnished Interior: Ceiling – Tray; Floor – Carpet Lot Features: Waterfront Lot Access: Gated Access Pool Features: Gunite Concrete; Heated – Gas; Inground Security Features: Fire Alarm; Fire Sprinkler System; Gated Community; Security Gate; Smoke Detector(s) Parking Features: Gated Other Structures: Other Association Amenities: BBQ Pit/Grill; Beach; Boat Launch; Boat Slip; Business Center; Community Room; Dumpster; Elevators; Fishing; Exercise Room; Gated Community; Conference Center; Pool; Separate Storage; Sidewalks; Theater; Waterfront Rooms: Bedroom; Primary Bedroom Sale Type: As Is Utilities: Cable – Available; Electricity – Availabile; Garbage; Public Sewer – Connected; Public Water – Connected Waterfront Type: Bay/Harbor Waterfront Feature: Bulkhead/Seawall; Bulkhead/Seawall Waterview: Bay

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Master Bedroom	First	13.5 x 16.6	13.50	16.60	Approximate
Bedroom	First	12 x 13	12.00	13.00	Approximate
Bedroom	First	12 x 11	12.00	11.00	Approximate

Listing Office: Anchor Realty Florida

Last Updated: June – 14 – 2026

Information deemed reliable but not guaranteed.