509 Cove Villa Street, Panama City Beach, FL 32407 (MLS# 795349)

509 Cove Villa Street, Panama City Beach, FL 32407

New Listing

$320,000

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,615 Lot Size (sq. ft.): 4,792 Status: Pending

Current Price: $320,000 List Date: 9/17/2026 Last Modified: 9/17/2026

Overview

Description

**''COMING SOON, NO SHOWINGS''** Welcome to elevated coastal living, beautifully furnished and more in ready. This nearly new home in Emerald Cove Villas offers a refined blend of comfort, privacy, convenience, and coastal style. Just three years old, the home has been lovingly maintained and is being offered fully furnished with high-end, beautifully curated coastal furnishings, allowing you to simply arrive, unpack, and begin enjoying the Panama City Beach lifestyle. Ideally located for experiencing everything Panama City Beach has to offer, the home provides easy access to Front Beach Road and the Gulf beaches, Hathaway Bridge and Panama City, and Highway 98 leading toward Pier Park. Thomas Drive offers convenient access to the Bay, while exceptional restaurants, shopping, entertainment, and recreation are all just minutes away. Tucked within the peaceful and beautifully maintained Emerald Cove Villas community, the property enjoys a particularly desirable setting, backing to pri … (Read more) **”COMING SOON, NO SHOWINGS”** Welcome to elevated coastal living, beautifully furnished and more in ready. This nearly new home in Emerald Cove Villas offers a refined blend of comfort, privacy, convenience, and coastal style. Just three years old, the home has been lovingly maintained and is being offered fully furnished with high-end, beautifully curated coastal furnishings, allowing you to simply arrive, unpack, and begin enjoying the Panama City Beach lifestyle. Ideally located for experiencing everything Panama City Beach has to offer, the home provides easy access to Front Beach Road and the Gulf beaches, Hathaway Bridge and Panama City, and Highway 98 leading toward Pier Park. Thomas Drive offers convenient access to the Bay, while exceptional restaurants, shopping, entertainment, and recreation are all just minutes away. Tucked within the peaceful and beautifully maintained Emerald Cove Villas community, the property enjoys a particularly desirable setting, backing to private wetlands that provide additional privacy and a tranquil natural backdrop. The professionally landscaped yard is complemented by an underground sprinkler system for easy maintenance. Step inside and you’ll immediately appreciate the home’s sophisticated coastal aesthetic. The high-end furnishings have been thoughtfully selected to create a relaxed yet elegant atmosphere, with a fresh coastal palette that feels both luxurious and inviting. The great room and owner’s suite feature nine-foot tray/vaulted ceilings with crown molding, recessed lighting, ceiling fans, and multiple dimmer switches, adding architectural detail and ambiance throughout the main living spaces. The kitchen features granite countertops and a clean, timeless design that complements the home’s coastal character. Luxury Vinyl Plank flooring extends throughout the main living areas, while all three bedrooms feature comfortable carpeting. Additional features and upgrades include Low-E windows throughout, LeafFilter gutter protection, orange-peel textured walls, knockdown ceilings, and a spacious garage with lighted overhead ceiling storage, shelving, and brackets. Appliances and window treatments are included as well. Outside, Emerald Cove Villas offers beautifully illuminated streets, sidewalks throughout the community, and a dedicated dog park for four-legged residents and guests. The neighborhood is primarily owner-occupied, creating a welcoming residential atmosphere while still providing the flexibility to enjoy the property as a second home or investment. Whether you’re looking for a full-time residence, a stylish second home, or a turnkey investment property, this home offers an exceptional opportunity to own a beautifully furnished coastal retreat in a quiet and convenient Panama City Beach location. There’s nothing left to do but bring your suitcase. The home is fully furnished, beautifully appointed, and ready for you to start enjoying from day one. High-end coastal furnishings. Nearly new construction. Private wetlands backdrop. Quiet community. Exceptional location. Truly move-in ready. Schedule your private showing today and experience the effortless coastal lifestyle waiting for you at Emerald Cove Villas. Measurements are approximate. Buyer to verify all information deemed important.

Listing Details MLS# 795349

Contract Info

List Price/SqFt: 198.14

Location

Area: 03 – Bay County – Beach
Street #: 509
Street Name: Cove Villa
Street Suffix: Street
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0321 – Beach – North Central
Subdivision: Emerald Cove Villas
Community/Resort: None
Waterfront: No
Parcel ID: 27541-500-052
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: From Hathaway Bridge turn right on Wildwood St, then left into Emerald Cove community. Take the 1st right turn onto Cove Villa Street. The house will be on your left.
Legal Description: EMERALD COVE VILLAS LOT 26 ORB 4705 P 1527

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 1615
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Accessory Dwelling Unit: No
Year Built: 2022
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 50.0 ft x 100.0 ft
Acreage: 0.11
Lot Size (SqFt): 4792
Pool: No

Status Change Info

Under Contract Date: 2026-09-16

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 620
HOA Frequency: Annually
HOA Annual Amount: 620
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 2980.23
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: **''COMING SOON, NO SHOWINGS''** Welcome to elevated coastal living, beautifully furnished and more in ready. This nearly new home in Emerald Cove Villas offers a refined blend of comfort, privacy, convenience, and coastal style. Just three years old, the home has been lovingly maintained and is being offered fully furnished with high-end, beautifully curated coastal furnishings, allowing you to simply arrive, unpack, and begin enjoying the Panama City Beach lifestyle. Ideally located for experiencing everything Panama City Beach has to offer, the home provides easy access to Front Beach Road and the Gulf beaches, Hathaway Bridge and Panama City, and Highway 98 leading toward Pier Park. Thomas Drive offers convenient access to the Bay, while exceptional restaurants, shopping, entertainment, and recreation are all just minutes away. Tucked within the peaceful and beautifully maintained Emerald Cove Villas community, the property enjoys a particularly desirable setting, backing to private wetlands that provide additional privacy and a tranquil natural backdrop. The professionally landscaped yard is complemented by an underground sprinkler system for easy maintenance. Step inside and you'll immediately appreciate the home's sophisticated coastal aesthetic. The high-end furnishings have been thoughtfully selected to create a relaxed yet elegant atmosphere, with a fresh coastal palette that feels both luxurious and inviting. The great room and owner's suite feature nine-foot tray/vaulted ceilings with crown molding, recessed lighting, ceiling fans, and multiple dimmer switches, adding architectural detail and ambiance throughout the main living spaces. The kitchen features granite countertops and a clean, timeless design that complements the home's coastal character. Luxury Vinyl Plank flooring extends throughout the main living areas, while all three bedrooms feature comfortable carpeting. Additional features and upgrades include Low-E windows throughout, LeafFilter gutter protection, orange-peel textured walls, knockdown ceilings, and a spacious garage with lighted overhead ceiling storage, shelving, and brackets. Appliances and window treatments are included as well. Outside, Emerald Cove Villas offers beautifully illuminated streets, sidewalks throughout the community, and a dedicated dog park for four-legged residents and guests. The neighborhood is primarily owner-occupied, creating a welcoming residential atmosphere while still providing the flexibility to enjoy the property as a second home or investment. Whether you're looking for a full-time residence, a stylish second home, or a turnkey investment property, this home offers an exceptional opportunity to own a beautifully furnished coastal retreat in a quiet and convenient Panama City Beach location. There's nothing left to do but bring your suitcase. The home is fully furnished, beautifully appointed, and ready for you to start enjoying from day one. High-end coastal furnishings. Nearly new construction. Private wetlands backdrop. Quiet community. Exceptional location. Truly move-in ready. Schedule your private showing today and experience the effortless coastal lifestyle waiting for you at Emerald Cove Villas. Measurements are approximate. Buyer to verify all information deemed important.

More Information

Covered Porch

First: Yes

Dining Room

First: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Ice Maker: Yes
Microwave: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Ceiling – Coffered: Yes
Ceiling – Crwn Molding: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Siding – Hardie Board: Yes

Exterior

Fenced Lot-Part: Yes
Patio Covered: Yes
Porch Covered: Yes
Sprinkler System: Yes

Association Fees Include

Accounting: Yes
Management: Yes
Master Association: Yes

Financing

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

Furnished

Furnished: Yes

Interior

Floor – Carpet: Yes

Living Room

First: Yes

Lot Features

Landscaped: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Association Amenities

Dog Park: Yes

Rooms

Bedroom: Yes
Covered Porch: Yes
Dining Room: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Sale Type

As Is: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBed Walk-in Closet: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Ice Maker; Microwave; Range – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Central Air Heating: Central Exterior: Fenced Lot-Part; Patio Covered; Porch Covered; Sprinkler System Association Fees Include: Accounting; Management; Master Association Financing: Cash; Conventional; FHA; VA Furnished: Furnished Interior: Floor – Carpet Living Room: First Lot Features: Landscaped Lot Access: Paved Road Covered Porch: First Dining Room: First Security Features: Smoke Detector(s) Parking Features: Driveway; Garage Attached; Garage Door Opener Association Amenities: Dog Park Rooms: Bedroom; Covered Porch; Dining Room; Living Room; Primary Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Public Sewer – Connected; Public Water – Connected; Underground Utilities

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	16 x 12	16.00	12.00
Dining Room	First	12 x 15	12.00	15.00
Primary Bedroom	First	15 x 13	15.00	13.00
Bedroom	First	11.9 x 10.8	11.90	10.80
Bedroom	First	11.9 x 10.7	11.90	10.70
Covered Porch	First	12 x 8	12.00	8.00

Listing Office: Anchor Realty Florida

Last Updated: September – 17 – 2026

Information deemed reliable but not guaranteed.