4138 Cedar Creek Drive, Panama City, FL 32409 (MLS# 794692)

4138 Cedar Creek Drive, Panama City, FL 32409

New Listing

$649,900

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 2,382 Lot Size (sq. ft.): 47,045 Status: Active

Current Price: $649,900 List Date: 8/27/2026 Last Modified: 8/27/2026

Overview

Description

Welcome to this beautifully maintained custom-built home in the gated Cedar Creek community, where quality construction, thoughtful details, and exceptional outdoor living come together on a spacious 1.08-acre fully landscaped lot. The home is in excellent condition and features higher-end finishes, generously sized bedrooms and living areas, and abundant storage throughout, including a large garage. Outdoor living is a standout feature, with expansive covered front and rear porches providing comfortable spaces for relaxing, entertaining, and enjoying the beautifully landscaped surroundings. The property also includes a dedicated irrigation well and irrigation system for convenient landscape maintenance. For those needing additional storage or workspace, the approximately 1,250-square-foot enclosed pole barn/shop is equipped with water and electricity and was approved by the neighborhood Architectural Review Committee. The structure offers versatile space for storing boats, RVs, … (Read more)

Open Houses

Sunday, August 30, 1:00 pm – 4:00 pm

Listing Details MLS# 794692

Contract Info

List Price/SqFt: 272.84

Location

Area: 04 – Bay County – North
Street #: 4138
Street Name: Cedar Creek
Street Suffix: Drive
State: FL
Zip Code: 32409
County: Bay
Sub Area: 0410 – Bay North – West Deerpoint/Southport
Subdivision: Cedar Creek At Deerpoint Lake
Community/Resort: None
Waterfront: No
Parcel ID: 07611-300-002
Elementary School: Deane Bozeman
Middle School: Deane Bozeman
High School: Deane Bozeman
Directions: North on Resota Beach Road, Right on Sweetfield Lane,. Right onto Baxley Bend Road, then a right onto Cedar Creek Drive. Home is on the right (past the pool, before the stop sign).
Legal Description: CEDAR CREEK PH II LOT 38 ORB 3940 P 1845

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 2382
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Accessory Dwelling Unit: No
Year Built: 2018
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 200×355+-
Acreage: 1.08
Lot Size (SqFt): 47045
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 360
HOA Frequency: Quarterly
HOA Annual Amount: 1440
New Buyer Fee: No
Last Taxes: 3887.67
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Welcome to this beautifully maintained custom-built home in the gated Cedar Creek community, where quality construction, thoughtful details, and exceptional outdoor living come together on a spacious 1.08-acre fully landscaped lot. The home is in excellent condition and features higher-end finishes, generously sized bedrooms and living areas, and abundant storage throughout, including a large garage. Outdoor living is a standout feature, with expansive covered front and rear porches providing comfortable spaces for relaxing, entertaining, and enjoying the beautifully landscaped surroundings. The property also includes a dedicated irrigation well and irrigation system for convenient landscape maintenance. For those needing additional storage or workspace, the approximately 1,250-square-foot enclosed pole barn/shop is equipped with water and electricity and was approved by the neighborhood Architectural Review Committee. The structure offers versatile space for storing boats, RVs, vehicles, equipment, or other recreational items. Additional dedicated parking provides even more flexibility for vehicles, guests, or equipment. Cedar Creek offers a welcoming community atmosphere with a large neighborhood pool and clubhouse available for residents to enjoy. The community is also known for its natural setting and abundant wildlife, with deer, rabbits, and other wildlife frequently seen roaming throughout the neighborhood. The convenient location of this home provides easy access to these amenities while maintaining a sense of space and privacy. A pre-listing home inspection has already been completed, providing additional peace of mind. With its combination of a well-maintained custom home, expansive acreage, substantial storage, versatile shop space, community amenities, and abundant natural surroundings, this property offers a rare opportunity to enjoy both comfort and functionality in the gated Cedar Creek community.

Pool Features

Gunite Concrete: Yes
Inground: Yes
Pool House: Yes

More Information

Workshop

First: Yes

Construction/Siding

Foundation – Slab on Grade: Yes

Other Structures

RV/Boat Storage: Yes
Second Garage: Yes

Association Fees Include

Accounting: Yes
Community Room: Yes
Conference Center: Yes
Ground Keeping: Yes
Legal: Yes
Management: Yes
Pavilion/Gazebo: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes

Financing

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

Furnished

Unfurnished: Yes

Lot Features

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

Lot Access

Gated Access: Yes
Paved Road: Yes

Parking Features

Additional Parking: Yes
RV Garage: Yes

Present Zoning

County: Yes
Resid Single Family: Yes

Association Amenities

Community Room: Yes
Gated Community: Yes
Pavilion/Gazebo: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes
Workshop: Yes

Utilities

Electricity – Connected: Yes
Public Water – Connected: Yes
Septic Tank: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes

Heating

Central: Yes
Electric: Yes

Security Features

Gated Community: Yes

Property Features

Primary Bedroom: First Bedroom: First Cooling: Central Air Heating: Central; Electric Association Fees Include: Accounting; Community Room; Legal; Ground Keeping; Management; Conference Center; Pavilion/Gazebo; Picnic Area; Playground; Pool Financing: Cash; Conventional; FHA; USDA; VA Furnished: Unfurnished Lot Features: Close to Clubhouse; Covenants & Rescrictions; Landscaped; Within 1/2 Mile to Water Lot Access: Gated Access; Paved Road Pool Features: Gunite Concrete; Inground; Pool House Security Features: Gated Community Workshop: First Parking Features: Additional Parking; RV Garage Other Structures: RV/Boat Storage; Second Garage Association Amenities: Community Room; Gated Community; Pavilion/Gazebo; Picnic Area; Playground; Pool Rooms: Bedroom; Primary Bedroom; Workshop Utilities: Electricity – Connected; Public Water – Connected; Septic Tank Present Zoning: County; Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	13.2 x 11.6	13.20	11.60
Bedroom	First	15.6 x 11.6	15.60	11.60
Primary Bedroom	First	13.1 x 15.4	13.10	15.40
Workshop	First	52 x 24	52.00	24.00

Listing Office: Think Real Estate

Last Updated: August – 27 – 2026

Information deemed reliable but not guaranteed.