4113 Cobalt Circle PO73, Panama City, FL 32408 (MLS# 792803)

4113 Cobalt Circle PO73, Panama City, FL 32408

New Listing

$625,000

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

Current Price: $625,000 List Date: 7/17/2026 Last Modified: 7/17/2026

Overview

Description

This extraordinary waterfront end unit condo, nestled in the exclusive gated Waterhaven community, right on St. Andrew's Bay, is a true haven! Meticulously maintained, this spacious one level floor plan, with its rich hardwood flooring throughout the main areas, stunning granite countertops, exquisite cabinetry, a gas range, and a kitchen island perfect for entertaining large groups, is a dream come true! Let's not forget that breathtaking view, which can be enjoyed from the kitchen, living and dining areas, along with the Master Bedroom! Now, can you envision yourself sitting on your expansive deck, sipping your morning coffee, watching the sun rise over the water, and being greeted by dolphins? Or strolling along the community dock and being whisked away by boat for a five-minute ride to Shell Island? Better yet, having the luxury of choosing between lounging by the Bay front pool or the Bay front beach? There's also a launch point for kayaks and stand-up paddle boards! This incredib … (Read more)

Listing Details MLS# 792803

Contract Info

List Price/SqFt: 388.68

Location

Area: 03 – Bay County – Beach
Street #: 4113
Street Name: Cobalt
Street Suffix: Circle
Unit #: PO73
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Waterhaven
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40000-050-051
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Navy Blvd, turn left onto Magnolia Beach Road, continue on Magnolia Beach and Waterhaven is the gated community on the left.
Legal Description: WATERHAVEN UNIT P073 TYPE F1 3BR 2.5B ORB 2904 P 186 1608 SF ORB 4821 P 893

General Property Info

Sub-Type: Condominium
Floor Number: 2
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1608
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Year Built: 2007
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

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

Remarks & Misc

Remarks: This extraordinary waterfront end unit condo, nestled in the exclusive gated Waterhaven community, right on St. Andrew's Bay, is a true haven! Meticulously maintained, this spacious one level floor plan, with its rich hardwood flooring throughout the main areas, stunning granite countertops, exquisite cabinetry, a gas range, and a kitchen island perfect for entertaining large groups, is a dream come true! Let's not forget that breathtaking view, which can be enjoyed from the kitchen, living and dining areas, along with the Master Bedroom! Now, can you envision yourself sitting on your expansive deck, sipping your morning coffee, watching the sun rise over the water, and being greeted by dolphins? Or strolling along the community dock and being whisked away by boat for a five-minute ride to Shell Island? Better yet, having the luxury of choosing between lounging by the Bay front pool or the Bay front beach? There's also a launch point for kayaks and stand-up paddle boards! This incredible community offers a state-of-the-art fitness center and an Owner's Club for your enjoyment. And the best part? This location is unbeatable! All your favorite local restaurants are just a five-minute drive away, and the pristine white sandy beach is only seven minutes away! When it comes to serene living, this community has it all! When it comes to water activities, it's a paradise! When it comes to being close to everything yet feeling like you're in your own world, it's the ultimate retreat! Whether a full time residence or a vacation home, come and experience the rare combination of luxury, tranquility and waterfront beauty-all in one exceptional residence! Welcome home!

Pool Features

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

More Information

Appliances

Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Gas: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes
Wine Cooler: Yes

Interior Features

Ceiling – Coffered: Yes
Ceiling – Crwn Molding: Yes
Elevator: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Wet Bar: Yes

Construction/Siding

Foundation – On Piling: Yes
Roof – Metal: Yes
Siding – Hardie Board: Yes

Exterior

Balcony: Yes
Columns: Yes
Deck Covered: Yes

Waterfront Feature

Boat Launch: Yes
Shore – Beach: Yes
Shore – Natural: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Boat Launch: Yes
Community Room: Yes
Dock: Yes
Dumpster: Yes
Exercise Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Insurance: Yes
Management: Yes
Pest Control: Yes
Pool: Yes
Separate Storage: Yes
Sewer: Yes
Theater: Yes
Trash Disposal: Yes
Water: Yes

Financing

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

Furnished

Negotiable: Yes

Interior

Smart Thermostat: Yes

Living Room

First: Yes

Lot Access

Paved Road: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

BBQ Pit/Grill: Yes
Boardwalk: Yes
Boat Launch: Yes
Community Room: Yes
Conference Center: Yes
Dock: Yes
Dumpster: Yes
Elevators: Yes
Exercise Room: Yes
Fishing: Yes
Gated Community: Yes
Pool: Yes
Theater: Yes
Waterfront: Yes
Sidewalks: Yes

Rooms

Bedroom: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

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

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

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

Security Features

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

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Dryer; Ice Maker; Microwave; Oven – Gas; Refrigerator; Washer; Water Heater – Electric; Wine Cooler Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central Exterior: Balcony; Columns; Deck Covered Association Fees Include: Accounting; BBQ Pit/Grill; Boat Launch; Community Room; Dock; Dumpster; Exercise Room; Gated Community; Insurance; Ground Keeping; Management; Pest Control; Pool; Separate Storage; Sewer; Theater; Trash Disposal; Water Financing: Cash; Conventional; FHA; VA Furnished: Negotiable Interior: Smart Thermostat Living Room: First Lot Access: Paved Road Pool Features: Fenced; Gunite Concrete; Heated – Gas; Inground Security Features: Fire Alarm; Fire Sprinkler System; Gated Community; Smoke Detector(s) Association Amenities: BBQ Pit/Grill; Boardwalk; Boat Launch; Community Room; Dock; Dumpster; Elevators; Fishing; Exercise Room; Gated Community; Conference Center; Pool; Sidewalks; Theater; Waterfront Rooms: Bedroom; Living Room; Primary Bedroom Sale Type: As Is Utilities: Public Sewer – Connected; Public Water – Connected Waterfront Type: Bay/Harbor Waterfront Feature: Boat Launch; Shore – Beach; Shore – Natural Waterview: Bay Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	17 x 19	17.00	19.00
Primary Bedroom	First	14 x 15	14.00	15.00
Bedroom	First	11 x 12	11.00	12.00
Bedroom	First	11 x 12	11.00	12.00

Listing Office: Carillon Realty Inc

Last Updated: July – 17 – 2026

Information deemed reliable but not guaranteed.