435 Bay Shore Drive, Panama City Beach, FL 32407 (MLS# 784231)

435 Bay Shore Drive, Panama City Beach, FL 32407

$1,790,000

Property Type: Residential Bedrooms: 3 Baths: 4 Square Footage: 2,776 Lot Size (sq. ft.): 32,670 Status: Active

Current Price: $1,790,000 List Date: 1/27/2026 Last Modified: 1/27/2026

Overview

Description

Luxury Bayfront Home in Panama City Discover an exquisite 1-owner custom-built bayfront masterpiece in Panama City's premier location, just minutes from Gulf of Mexico access, St. Andrews, Shell Island, and a 6-minute drive to pristine beaches. This stunning residence boasts unparalleled finishes, a sprawling lot, ample parking, a convenient elevator, and a large garage capable of holding multiple cars for ease of exit and entry, perfect for grand entertaining. Expansive bay views flood the home through abundant windows, bathing the open floor plan in natural light. The main level features a luxurious master suite with his-and-hers closets, a breathtaking master bath offering a beautiful oversized custom shower, a soaking tub, and separate vanities. The gourmet eat-in kitchen flows seamlessly into the great room, showcasing breathtaking bay views, an electric fireplace, and a sophisticated wet bar. Step outside to a beautiful outdoor kitchen off the main level, enhancing entertainmen … (Read more)

Listing Details MLS# 784231

Contract Info

List Price/SqFt: 644.81

Location

Area: 03 – Bay County – Beach
Street #: 435
Street Name: Bay Shore
Street Suffix: Drive
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: No Named Subdivision
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 27907-015-000
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: Take US-98 E/Back Beach Rd/Panama City Beach Pkwy to Front Bch Rd in Upper Grand Lagoon. Take the exit toward Thomas Dr/NSA Main Gate/Bay Point from Front Beach Rd Follow Front Bch Rd to Bay Shore Dr Keep left to continue on Front Bch Rd Continue onto Front Bch Rd Turn left onto Woodlawn Dr Turn right onto Bay Shore Dr
Legal Description: 33 3S 15W -2.10A- COM AT THE INTERSECTION OF THE W LINE OF GOV LOT 1 & N R/W OF US 98 TH RUN E 1125.65' TH N 317.40' N19 DEG E 113.4' TH N 5 DEG E 99.28' TO POINT ON ELY R/W LINE OF BAY SHORE DR TH CONT ALONG SAID R/W 112.73' TO A CURVE CONCAVE SELY FOR 98.96' AND POB TH RUN N22 DEG E ALONG SAID ELY R/W 94.87' TH RUN S85 DEG E 342.08' M/L TO WATER'S OF ST ANDREWS BAY

General Property Info

Sub-Type: Detached Single Family
Design: L-Shaped
Apx SqFt(Htd/Cooled): 2776
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 2
Year Built: 2019
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Lot Dimensions: 375X100
Acreage: 0.75
Lot Size (SqFt): 32670
Pool: No

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: No
New Buyer Fee: No
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Luxury Bayfront Home in Panama City Discover an exquisite 1-owner custom-built bayfront masterpiece in Panama City's premier location, just minutes from Gulf of Mexico access, St. Andrews, Shell Island, and a 6-minute drive to pristine beaches. This stunning residence boasts unparalleled finishes, a sprawling lot, ample parking, a convenient elevator, and a large garage capable of holding multiple cars for ease of exit and entry, perfect for grand entertaining. Expansive bay views flood the home through abundant windows, bathing the open floor plan in natural light. The main level features a luxurious master suite with his-and-hers closets, a breathtaking master bath offering a beautiful oversized custom shower, a soaking tub, and separate vanities. The gourmet eat-in kitchen flows seamlessly into the great room, showcasing breathtaking bay views, an electric fireplace, and a sophisticated wet bar. Step outside to a beautiful outdoor kitchen off the main level, enhancing entertainment and luxury while enjoying the covered patio and serene waterfront views. Upstairs, two generous guest suites, each with full baths, complement a versatile entertainment room. The covered balcony offers mesmerizing bay views, ideal for relaxation. Situated on 100ft of prime bayfront shoreline, this home includes a private dock and boat slip. This unmatched location blends convenience and luxury. Don't miss this rare opportunity to own a bayfront gem designed for elegance and entertainment.

Bunk Hall

Second: Yes

More Information

Covered Porch

First: Yes

Deck/Patio

Second: Yes

Den

Second: Yes

Dining Room

First: Yes

Garage

First: Yes

Great Room

First: Yes

Laundry

First: Yes

Master Bathroom

First: Yes

Pantry

First: Yes

Appliances

Bar Fridge: Yes
Dishwasher: Yes
ENERGY STAR Qualified Appliances: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Convection: Yes
Range – Gas: Yes
Refrigerator: Yes
Water Heater – Gas: Yes
Water Softener – Owned: Yes
Wine Refrigerator: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Raised: Yes
Elevator: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Security System: Yes
Window – Treatment All: Yes
Handicap Provisions: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Dimensional Shg: Yes
Roof – Gutters: Yes
Siding – Hardie Board: Yes
Siding – Stone: Yes
Trim – Hardie Board: Yes

Exterior

Balcony: Yes
Built-in Barbecue/Grill: Yes
Deck Covered: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Summer Kitchen: Yes
Porch Covered: Yes
Storm Windows: Yes

Waterfront Feature

Boat Slip: Yes
Dock: Yes
Shore – Natural: Yes

Other Structures

Boat House: Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Bonus Room: Yes
Ceiling – Tray: Yes

Lot Features

Curb & Gutter: Yes
Deeded Access Water: Yes
Flood Insurance Req: Yes
Improved Lots: Yes
Landscaped: Yes
Near Beach Access: Yes
Near Public Boat Ramp: Yes
Waterfront: Yes

Lot Access

Near Interstate Exit: Yes
City Street: Yes
Paved Road: Yes

Parking Features

Additional Parking: Yes
Boat: Yes
Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes
Oversized: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Sauna/Steam: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes
MBed Walk-in Closet: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Waterfront: Yes

Rooms

Bedroom: Yes
Bunk Hall: Yes
Covered Porch: Yes
Deck/Patio: Yes
Den: Yes
Dining Room: Yes
Full Bathroom: Yes
Garage: Yes
Great Room: Yes
Half Bathroom: Yes
Laundry: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Pantry: Yes

Showing

ShowingTime: Yes

Utilities

Cable – Available: Yes
TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Internet – Fiber Optic: Yes
Phone – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Waterview

Bay: Yes

Accessibility Features

Accessible Approach with Ramp: Yes
Accessible Bedroom: Yes
Accessible Elevator Installed: Yes
Accessible Entrance: Yes
Accessible Full Bath: Yes
Central Living Area: Yes
Customized Wheelchair Accessible: Yes
Walker-Accessible Stairs: Yes

Full Bathroom

Second: Yes

Half Bathroom

First: Yes

Waterfront Type

Bay/Harbor: Yes

Master Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Central Air: Yes
Electric: Yes
ENERGY STAR Qualified Equipment: Yes
Multi Units: Yes

Heating

Central: Yes
ENERGY STAR Qualified Equipment: Yes
Fireplace – Electric: Yes

Security Features

Security System: Yes

Property Features

Accessibility Features: Accessible Approach with Ramp; Accessible Bedroom; Accessible Elevator Installed; Accessible Entrance; Accessible Full Bath; Central Living Area; Customized Wheelchair Accessible; Walker-Accessible Stairs Appliances: Bar Fridge; Dishwasher; ENERGY STAR Qualified Appliances; Ice Maker; Microwave; Oven – Convection; Range – Gas; Refrigerator; Water Heater – Gas; Water Softener – Owned; Wine Refrigerator Full Bathroom: Second Half Bathroom: First Master Bedroom: First Bedroom: Second Cooling: Central Air; Electric; ENERGY STAR Qualified Equipment; Multi Units Heating: Central; ENERGY STAR Qualified Equipment; Fireplace – Electric Exterior: Balcony; Built-in Barbecue/Grill; Deck Covered; Double Pane Windows; Fenced Back Yard; Summer Kitchen; Porch Covered; Storm Windows Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Bonus Room; Ceiling – Tray Lot Features: Curb & Gutter; Deeded Access Water; Flood Insurance Req; Improved Lots; Landscaped; Near Beach Access; Near Public Boat Ramp; Waterfront Lot Access: City Street; Paved Road Master Bathroom: First Bunk Hall: Second Covered Porch: First Den: Second Dining Room: First Great Room: First Garage: First Laundry: First Pantry: First Security Features: Security System Parking Features: Additional Parking; Boat; Driveway; Garage Attached; Garage Door Opener; Oversized Other Structures: Boat House Association Amenities: Waterfront Rooms: Bedroom; Bunk Hall; Covered Porch; Deck/Patio; Den; Dining Room; Full Bathroom; Garage; Great Room; Half Bathroom; Laundry; Master Bathroom; Master Bedroom; Pantry Showing: ShowingTime Utilities: Cable – Available; TV Cable; Electricity – Connected; Garbage; Internet – Fiber Optic; Phone – Connected; Public Sewer – Connected; Public Water – Connected; Underground Utilities Waterfront Type: Bay/Harbor Waterfront Feature: Boat Slip; Dock; Shore – Natural Waterview: Bay Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Great Room	First	35 x 40	35.00	40.00
Master Bedroom	First	20 x 20	20.00	20.00
Master Bathroom	First	23 x 12	23.00	12.00
Laundry	First
Covered Porch	First
Pantry	First
Dining Room	First
Half Bathroom	First
Bedroom	Second
Bedroom	Second
Den	Second
Full Bathroom	Second
Full Bathroom	Second
Deck/Patio	Second
Garage	First
Bunk Hall	Second

Listing Office: Real Broker LLC

Last Updated: January – 27 – 2026

Information deemed reliable but not guaranteed.