5106 Blue Harbor Drive, Panama City, FL 32404 (MLS# 780556)

5106 Blue Harbor Drive, Panama City, FL 32404

$520,000

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Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,108 Lot Size (sq. ft.): 5,401 Status: Sold

Current Price: $520,000 List Date: 10/18/2025 Last Modified: 8/28/2026

Overview

Description

Gorgeous waterfront townhome with boat lift and brand-new jet ski lift! Don't miss this beautiful home just minutes from Tyndall Air Force Base and a quick 15-minute boat ride to Shell Island. The two story 3 bed, 2.5 bath townhome has amazing water views from the living room, kitchen, dining and bonus room. The house has been beautifully remodeled to include a new kitchen with Quartz countertops, new soft close cabinets with pull out shelves, tile backsplash, copper farmhouse sink, built in wine refrigerator, fingerprint resistant black stainless-steel appliances, gas stove and custom lighting. There are tile floors throughout the home. Highlights include a ventless gas fireplace, wood plantation shutters, thermal windows, 40-year metal roof, newer downstairs sliding door with built in blinds, new upstairs patio door, 2 new HVAC systems in 2018, new water heater in 2019, fully re-painted inside and out, Generac whole house gas generator, ADT security system and electric hurricane … (Read more) Gorgeous waterfront townhome with boat lift and brand-new jet ski lift! Don’t miss this beautiful home just minutes from Tyndall Air Force Base and a quick 15-minute boat ride to Shell Island. The two story 3 bed, 2.5 bath townhome has amazing water views from the living room, kitchen, dining and bonus room. The house has been beautifully remodeled to include a new kitchen with Quartz countertops, new soft close cabinets with pull out shelves, tile backsplash, copper farmhouse sink, built in wine refrigerator, fingerprint resistant black stainless-steel appliances, gas stove and custom lighting. There are tile floors throughout the home. Highlights include a ventless gas fireplace, wood plantation shutters, thermal windows, 40-year metal roof, newer downstairs sliding door with built in blinds, new upstairs patio door, 2 new HVAC systems in 2018, new water heater in 2019, fully re-painted inside and out, Generac whole house gas generator, ADT security system and electric hurricane shutters. Downstairs is an open floor plan with lots of light coming into the living room/dining room/ kitchen area, a half bathroom, laundry closet and great storage under the stairs. Upstairs are two guest bedrooms with one having a bonus 10 x 12 area perfect for a reading nook, and an expansive master bedroom that has a 10 x 20 bonus room off of it perfect for a home office/flex room. The master bathroom has a soaking tub, two vanities and a walk-in shower. There are barn doors for the bonus room and master walk in closet. The outdoor spaces are the highlights of the house. The upstairs deck is a great place for evening cocktails, dolphin sightings and catching the gorgeous sunsets! The downstairs slip resistant textured deck is a great place to lounge in the two chair swings, cook out, sit at the bar that is the length of the deck and enjoy watching the boats going by. There is a shade to pull down during the heat of the day. The backyard is fenced in for pets with a double gate so the lawn maintenance crew can still get in to mow. There is a rack system to hold kayaks. The boat lift motor was replaced in 2019, and the jet ski lift was just recently replaced. The property line extends to the water and there is an area to put in kayaks, as well as a bridge to enter the water on foot. A key asset to the community is that there is a large HOA owned dock. The water is 8-9 feet so it can easily handle most boats. The dock was rebuilt in 2019 and has power, water, lights, ladders and a fish cleaning station. You can even jump into the water from the dock for a swim. The HOA fee is currently $215 per month and includes all lawn care for the home and common areas, trash pickup, sprinkler systems for the community, electric to the dock and the dock maintenance. The location is close to Pier 98 Marina to gas up the boat and get bait and Rodeo’s Steakhouse restaurant is within walking distance. Many of the neighbors are military or retired. The property is in an AE Flood Zone so flood insurance is required. The seller has a survey and elevation certificate and currently pays $1,100/year for flood insurance while Homeowners is $3,755/year. There is guest parking at the entrance to the neighborhood and at the end of the complex. There are no restrictions on rentals so the property could be used for short term rental. Make your appointment to see this gorgeous, hidden gem today!

Listing Details MLS# 780556

Contract Info

List Price/SqFt: 258.54

Location

Area: 02 – Bay County – Central
Street #: 5106
Street Name: Blue Harbor
Street Suffix: Drive
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0202 – Bay – Central SE
Subdivision: [No Recorded Subdiv]
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 25816-008-000
Elementary School: Tyndall Academy
Middle School: Rutherford Middle
High School: Rutherford
Directions: Heading towards Tyndall on Hwy 98, just past Rodeos Restaurant turn right on Blue Harbor Dr.
Legal Description: 24 4S 14W -65.3- 119D4 COM AT PT OF INTERSEC S LI SEC 24 & W R/W 98 TH NELY 150' NW 324.83' NELY 33.66' NELY 26.71 FOR POB NWLY 159.35' NELY 15.42' SELY 32.21' SELY 147.24 SWLY 27.17' TO POB AKA LOT 3 ORB 4601 P 305

General Property Info

Sub-Type: Attached Single Unit
Design: Contemporary
Apx SqFt(Htd/Cooled): 2108
SqFt Source: Owner Measured
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Year Built: 1999
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 0x0
Acreage: 0.12
Lot Size (SqFt): 5401
Pool: No

Status Change Info

Under Contract Date: 2026-01-04
Sold Date: 2026-02-02
Sold Price/SqFt: 246.68
Sold Price/Acre: 4333333.33

Waterfront Feature

Waterfront Feet: 43
Boat Slip: Yes
Boatlift: Yes
Dock: Yes
Shore – Natural: Yes

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 215
HOA Frequency: Monthly
HOA Annual Amount: 2580
New Buyer Fee: No
Last Taxes: 5476
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: Yes

More Information

Remarks & Misc

Remarks: Gorgeous waterfront townhome with boat lift and brand-new jet ski lift! Don't miss this beautiful home just minutes from Tyndall Air Force Base and a quick 15-minute boat ride to Shell Island. The two story 3 bed, 2.5 bath townhome has amazing water views from the living room, kitchen, dining and bonus room. The house has been beautifully remodeled to include a new kitchen with Quartz countertops, new soft close cabinets with pull out shelves, tile backsplash, copper farmhouse sink, built in wine refrigerator, fingerprint resistant black stainless-steel appliances, gas stove and custom lighting. There are tile floors throughout the home. Highlights include a ventless gas fireplace, wood plantation shutters, thermal windows, 40-year metal roof, newer downstairs sliding door with built in blinds, new upstairs patio door, 2 new HVAC systems in 2018, new water heater in 2019, fully re-painted inside and out, Generac whole house gas generator, ADT security system and electric hurricane shutters. Downstairs is an open floor plan with lots of light coming into the living room/dining room/ kitchen area, a half bathroom, laundry closet and great storage under the stairs. Upstairs are two guest bedrooms with one having a bonus 10 x 12 area perfect for a reading nook, and an expansive master bedroom that has a 10 x 20 bonus room off of it perfect for a home office/flex room. The master bathroom has a soaking tub, two vanities and a walk-in shower. There are barn doors for the bonus room and master walk in closet. The outdoor spaces are the highlights of the house. The upstairs deck is a great place for evening cocktails, dolphin sightings and catching the gorgeous sunsets! The downstairs slip resistant textured deck is a great place to lounge in the two chair swings, cook out, sit at the bar that is the length of the deck and enjoy watching the boats going by. There is a shade to pull down during the heat of the day. The backyard is fenced in for pets with a double gate so the lawn maintenance crew can still get in to mow. There is a rack system to hold kayaks. The boat lift motor was replaced in 2019, and the jet ski lift was just recently replaced. The property line extends to the water and there is an area to put in kayaks, as well as a bridge to enter the water on foot. A key asset to the community is that there is a large HOA owned dock. The water is 8-9 feet so it can easily handle most boats. The dock was rebuilt in 2019 and has power, water, lights, ladders and a fish cleaning station. You can even jump into the water from the dock for a swim. The HOA fee is currently $215 per month and includes all lawn care for the home and common areas, trash pickup, sprinkler systems for the community, electric to the dock and the dock maintenance. The location is close to Pier 98 Marina to gas up the boat and get bait and Rodeo's Steakhouse restaurant is within walking distance. Many of the neighbors are military or retired. The property is in an AE Flood Zone so flood insurance is required. The seller has a survey and elevation certificate and currently pays $1,100/year for flood insurance while Homeowners is $3,755/year. There is guest parking at the entrance to the neighborhood and at the end of the complex. There are no restrictions on rentals so the property could be used for short term rental. Make your appointment to see this gorgeous, hidden gem today!

Bonus Room

Second: Yes

Dining Room

First: Yes

Appliances

Dishwasher: Yes
Microwave: Yes
Range – Gas: Yes
Refrigerator: Yes
Wine Refrigerator: Yes

Interior Features

Fireplace: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Plantation Shutters: Yes
Window – Treatment All: Yes

Construction/Siding

Roof – Metal: Yes
Siding – Stucco: Yes

Exterior

Deck Covered: Yes
Deck Open: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Sprinkler System: Yes

Association Fees Include

Accounting: Yes
Boat Slip Usage: Yes
Dock: Yes
Ground Keeping: Yes
Trash Disposal: Yes

Financing

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

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Survey Available: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes
Private Road: Yes

Parking Features

Additional Parking: Yes
Garage Attached: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

Dock: Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Dining Room: Yes
Full Bathroom: Yes
Kitchen: Yes
Living Room: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Public Sewer – Connected: Yes

Waterview

Bay: Yes
Bayou: Yes

Sale Type

As Is: Yes

Full Bathroom

Second: Yes

Waterfront Type

Bay/Harbor: Yes

Primary Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Gas: Yes

Primary Bdrm/Primary Bath

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

Primary Bathroom

Second: Yes

Security Features

Security System: Yes

Property Features

Appliances: Dishwasher; Microwave; Range – Gas; Refrigerator; Wine Refrigerator Full Bathroom: Second Primary Bedroom: First Bedroom: Second Cooling: Ceiling Fan(s); Central Air Heating: Central; Electric; Fireplace – Gas Exterior: Deck Covered; Deck Open; Double Pane Windows; Fenced Back Yard; Sprinkler System Association Fees Include: Accounting; Boat Slip Usage; Dock; Ground Keeping; Trash Disposal Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Kitchen: First Living Room: First Lot Features: Survey Available; Within 1/2 Mile to Water Lot Access: Paved Road; Private Road Bonus Room: Second Primary Bathroom: Second Dining Room: First Security Features: Security System Parking Features: Additional Parking; Garage Attached Association Amenities: Dock Rooms: Bedroom; Bonus Room; Dining Room; Full Bathroom; Kitchen; Living Room; Primary Bathroom; Primary Bedroom Sale Type: As Is Showing: ShowingTime Utilities: Public Sewer – Connected Waterfront Type: Bay/Harbor Waterfront Feature: Boat Slip; Boatlift; Dock; Shore – Natural Waterview: Bay; Bayou Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	21 x 20	21.00	20.00
Kitchen	First	10 x 17	10.00	17.00
Dining Room	First	12 x 8	12.00	8.00
Bedroom	Second	10 x 12	10.00	12.00
Bedroom	Second	10 x 12	10.00	12.00
Primary Bedroom	First	18.5 x 14	18.50	14.00
Bonus Room	Second	10 x 20	10.00	20.00
Primary Bathroom	Second	9 x 12	9.00	12.00
Full Bathroom	Second	8 x 9	8.00	9.00

Listing Office: Keller Williams Success Realty

Last Updated: August – 28 – 2026

Information deemed reliable but not guaranteed.