4128 Catherine Street, Panama City Beach, FL 32408 (MLS# 793880)

4128 Catherine Street, Panama City Beach, FL 32408

$269,900

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,272 Lot Size (sq. ft.): 3,049 Status: Active

Current Price: $269,900 List Date: 8/11/2026 Last Modified: 10/06/2026

Overview

Description

SELLER IS NOW OFFERING $10,000 TOWARD BUYER CLOSING COSTS AND/OR INTEREST RATE BUYDOWN with an acceptable offer +++ VA ASSUMABLE LOAN AT 3% – Want the Panama City Beach lifestyle without being right in the middle of the hustle and bustle? Welcome to 4128 Catherine Street–a cute, updated townhome tucked away in a small community while still keeping you close to everything you love about PCB! This 3-bedroom, 2-bath townhome has been refreshed with new flooring, fresh paint and updated fixtures, making it move-in ready and easy to love. The unique two-story layout gives you plenty of flexibility, with two bedrooms and a full bath downstairs and the primary bedroom, kitchen and main living space upstairs. And when you're ready to soak up a little Florida sunshine, the community pool is just steps away! The location is where this one really shines. You're approximately five minutes from NSA Panama City and just a short drive to the beach, bay, golf, shopping, dining and nightlife–cl … (Read more)

Supplements: With today's rates, this is an opportunity to put those seller dollars to work toward lowering your upfront costs or potentially buying down your interest rate. And there's another financing opportunity–the seller's existing VA loan may be assumable at an incredible 3% interest rate, subject to buyer qualification and lender/servicer approval. Whe … (Read more)

Open Houses

Thursday, October 8, 10:00 am – 2:00 pm
Friday, October 9, 10:00 am – 2:00 pm

Listing Details MLS# 793880

Contract Info

List Price/SqFt: 212.19

Location

Area: 03 – Bay County – Beach
Street #: 4128
Street Name: Catherine
Street Suffix: Street
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: No Named Subdivision
Community/Resort: None
Waterfront: No
Parcel ID: 31292-006-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Hwy 98, turn South on Navy Blvd, travel a few miles and turn left at Winn Dixie which is Magnolia Beach Rd keep left when you get to the fork on Magnolia Beach. Once on Magnolia Beach Rd, turn right on West Ave, turn left on Catherine St….4128 Catherine St will be on your left.
Legal Description: 11 4S 15W -32.2A- 80C COM AT NW COR U S LOT 5 TH S 189' TO S R/W COUNTY RD SELY ALG R/W 878' S 130' TH SELY 50' FOR POB TH S 131.01' TH S76 DEG E 25.81' TH N 131.03' N76 DEG W 26.10' TO POB AKA PRCL B1 ORB 4174 P 2292

General Property Info

Sub-Type: Attached Single Unit
Design: Townhome
Apx SqFt(Htd/Cooled): 1272
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Accessory Dwelling Unit: No
Year Built: 2005
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: 26.0 ft x 131.0 ft
Acreage: 0.07
Lot Size (SqFt): 3049
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 130
HOA Frequency: Monthly
HOA Annual Amount: 1560
New Buyer Fee: No
Last Taxes: 2195.28
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: SELLER IS NOW OFFERING $10,000 TOWARD BUYER CLOSING COSTS AND/OR INTEREST RATE BUYDOWN with an acceptable offer +++ VA ASSUMABLE LOAN AT 3% – Want the Panama City Beach lifestyle without being right in the middle of the hustle and bustle? Welcome to 4128 Catherine Street–a cute, updated townhome tucked away in a small community while still keeping you close to everything you love about PCB! This 3-bedroom, 2-bath townhome has been refreshed with new flooring, fresh paint and updated fixtures, making it move-in ready and easy to love. The unique two-story layout gives you plenty of flexibility, with two bedrooms and a full bath downstairs and the primary bedroom, kitchen and main living space upstairs. And when you're ready to soak up a little Florida sunshine, the community pool is just steps away! The location is where this one really shines. You're approximately five minutes from NSA Panama City and just a short drive to the beach, bay, golf, shopping, dining and nightlife–close enough to enjoy it all, but tucked away enough to escape the crowds when you're ready to come home. Whether you're looking for your own place at the beach, a full-time home or an investment opportunity for long- or short-term rentals, 4128 Catherine Street gives you plenty of possibilities. Beach days, pool days, dinner by the water and your own little place to call home in Panama City Beach…what more could you ask for? BONUS: the HOA has an agreement with Waterhaven that allows access through their property to St. Andrew's Bay water!

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Ice Maker: Yes
Oven – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

More Information

Interior Features

Breakfast Bar: Yes
Ceiling – Vaulted: Yes
Floor – Vinyl Plank: Yes
Lighting – Recessed: Yes
Pantry: Yes
Split Bedroom: Yes
Stairs: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Siding – Vinyl: Yes

Exterior

Balcony: Yes
Fenced Back Yard: Yes
Patio Covered: Yes

Association Fees Include

Pool: Yes

Financing

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

Furnished

Unfurnished: Yes

Living Room

Second: Yes

Lot Features

Covenants & Rescrictions: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Pool: Yes

Rooms

Bedroom: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Internet – Broadband Available: Yes
Phone – Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Sale Type

As Is: Yes

Primary Bedroom

Second: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Ice Maker; Oven – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: Second Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Balcony; Fenced Back Yard; Patio Covered Association Fees Include: Pool Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Living Room: Second Lot Features: Covenants & Rescrictions; Within 1/2 Mile to Water Lot Access: Paved Road Parking Features: Driveway; Garage Attached Association Amenities: Pool Rooms: Bedroom; Living Room; Primary Bedroom Sale Type: As Is Utilities: Cable – Available; Electricity – Connected; Internet – Broadband Available; Phone – Available; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Living Room	Second	17 x 15	17.00	15.00	Buyer to verify all measurements if important
Primary Bedroom	Second	14 x 9	14.00	9.00	Buyer to verify all measurements if important
Bedroom	First	10 x 9	10.00	9.00	Buyer to verify all measurements if important
Bedroom	First	10 x 11	10.00	11.00	Buyer to verify all measurements if important

Listing Office: Epique Realty Inc

Last Updated: October – 06 – 2026

Information deemed reliable but not guaranteed.