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
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 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.
More Information MLS# 784231
Listing Info, Tax and Legal
Homestead: Yes
HOA Fee: No
New Buyer Fee: No
Brokerage Interest: No Interest
Contract Info
List Price/SqFt: 644.81
Status: Active
List Date: 2026-01-27
List Price: $1,790,000
Current Price: $1,790,000
Location
Sub Area: 0319 – Beach – East
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
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
Area: 03 – Bay County – Beach
Street #: 435
Street Name: Bay Shore
Street Suffix: Drive
State: FL
Zip Code: 32407
County: Bay
Subdivision: No Named Subdivision
Parcel ID: 27907-015-000
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
Acreage: 0.75
Design: L-Shaped
Lot Size (SqFt): 32670
Apx SqFt(Htd/Cooled): 2776
Construction Status: Construction Complete
SqFt Source: Prop App Site
Half Baths: 1
# of Stories in Building: 2
Lot Dimensions: 375X100
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Pool: No
Sub-Type: Detached Single Family
Bedrooms: 3
Full Baths: 3
Total Baths: 4
Year Built: 2019
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: 1
Covered Porch
First: 1
Deck/Patio
Second: 1
Den
Second: 1
Dining Room
First: 1
Garage
First: 1
Great Room
First: 1
Laundry
First: 1
Master Bathroom
First: 1
Pantry
First: 1
Appliances
Bar Fridge: 1
Dishwasher: 1
ENERGY STAR Qualified Appliances: 1
Ice Maker: 1
Microwave: 1
Oven – Convection: 1
Range – Gas: 1
Refrigerator: 1
Water Heater – Gas: 1
Water Softener – Owned: 1
Wine Refrigerator: 1
Interior Features
Breakfast Bar: 1
Ceiling – Raised: 1
Elevator: 1
Floor – Hardwood: 1
Floor – Tile: 1
Kitchen Island: 1
Lighting – Recessed: 1
Pantry: 1
Security System: 1
Window – Treatment All: 1
Handicap Provisions: 1
Construction/Siding
Foundation – Slab on Grade: 1
Wood/Frame: 1
Roof – Dimensional Shg: 1
Roof – Gutters: 1
Siding – Hardie Board: 1
Siding – Stone: 1
Trim – Hardie Board: 1
Exterior
Balcony: 1
Built-in Barbecue/Grill: 1
Deck Covered: 1
Double Pane Windows: 1
Fenced Back Yard: 1
Summer Kitchen: 1
Porch Covered: 1
Storm Windows: 1
Waterfront Feature
Boat Slip: 1
Dock: 1
Shore – Natural: 1
Other Structures
Boat House: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Unfurnished: 1
Interior
Bonus Room: 1
Ceiling – Tray: 1
Lot Features
Curb & Gutter: 1
Deeded Access Water: 1
Flood Insurance Req: 1
Improved Lots: 1
Landscaped: 1
Near Beach Access: 1
Near Public Boat Ramp: 1
Waterfront: 1
Lot Access
Near Interstate Exit: 1
City Street: 1
Paved Road: 1
Parking Features
Additional Parking: 1
Boat: 1
Driveway: 1
Garage Attached: 1
Garage Door Opener: 1
Oversized: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Garden Tub: 1
MBath Sauna/Steam: 1
MBath Separate Shwr: 1
MBath Walk-In Closet: 1
MBed First Floor: 1
MBed Walk-in Closet: 1
Present Zoning
Resid Single Family: 1
Association Amenities
Waterfront: 1
Rooms
Bedroom: 1
Bunk Hall: 1
Covered Porch: 1
Deck/Patio: 1
Den: 1
Dining Room: 1
Full Bathroom: 1
Garage: 1
Great Room: 1
Half Bathroom: 1
Laundry: 1
Master Bathroom: 1
Master Bedroom: 1
Pantry: 1
Showing
ShowingTime: 1
Utilities
Cable – Available: 1
TV Cable: 1
Electricity – Connected: 1
Garbage: 1
Internet – Fiber Optic: 1
Phone – Connected: 1
Public Sewer – Connected: 1
Public Water – Connected: 1
Underground Utilities: 1
Waterview
Bay: 1
Accessibility Features
Accessible Approach with Ramp: 1
Accessible Bedroom: 1
Accessible Elevator Installed: 1
Accessible Entrance: 1
Accessible Full Bath: 1
Central Living Area: 1
Customized Wheelchair Accessible: 1
Walker-Accessible Stairs: 1
Full Bathroom
Second: 1
Half Bathroom
First: 1
Waterfront Type
Bay/Harbor: 1
Master Bedroom
First: 1
Bedroom
Second: 1
Cooling
Central Air: 1
Electric: 1
ENERGY STAR Qualified Equipment: 1
Multi Units: 1
Heating
Central: 1
ENERGY STAR Qualified Equipment: 1
Fireplace – Electric: 1
Security Features
Security System: 1
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
Great Room
Level: First
Dimensions: 35 x 40
Length: 35.00
Width: 40.00
Dimensions: 35 x 40
Master Bedroom
Level: First
Dimensions: 20 x 20
Length: 20.00
Width: 20.00
Dimensions: 20 x 20
Master Bathroom
Level: First
Dimensions: 23 x 12
Length: 23.00
Width: 12.00
Dimensions: 23 x 12
Laundry
Level: First
Covered Porch
Level: First
Pantry
Level: First
Dining Room
Level: First
Half Bathroom
Level: First
Bedroom
Level: Second
Bedroom
Level: Second
Den
Level: Second
Full Bathroom
Level: Second
Full Bathroom
Level: Second
Deck/Patio
Level: Second
Garage
Level: First
Bunk Hall
Level: Second
Listing Office:
Real Broker LLC
Last Updated: January – 27 – 2026
Information deemed reliable but not guaranteed.