517 Cove Villa Street, Panama City Beach, FL 32407
$389,000
Property Type:
Residential
Bedrooms:
3
Baths:
2
Square Footage:
1,672
Lot Size (sq. ft.):
4,966
Status:
Active
Current Price:
$389,000
List Date:
6/12/2026
Last Modified:
7/29/2026
Listing Details MLS# 790954
Contract Info
- List Price/SqFt
- 232.66
Location
- Area
- 03 – Bay County – Beach
- Street #
- 517
- 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
- 27541-500-048
- Elementary School
- Breakfast Point
- Middle School
- Breakfast Point
- High School
- Arnold
- Directions
- Heading West on Hwy 98 over the Hathaway Bridge turn right on Wildwood Road. Go to Emerald Cove and turn left. Traveling East on Hwy 98 take the Thomas Drive/ Navy Base exit. Turn left at light and then stay to right. Do not go over the bridge. At next Traffic light turn left onto Wildwood Rd. Emerald Cove is on the left. Model located at 310 Emerald Cove Street PCB FL 32407.
- Legal Description
- EMERALD COVE VILLAS LOT 24 ORB 4471 P 1206
General Property Info
- Sub-Type
- Detached Single Family
- Design
- Beach House
- Apx SqFt(Htd/Cooled)
- 1672
- SqFt Source
- Prop App Site
- Full Baths
- 2
- Total Baths
- 2
- Accessory Dwelling Unit
- No
- Year Built
- 2021
- Construction Status
- Construction Complete
- New Construction
- No
- Garage Y/N
- Yes
- Garage Spaces
- 2
- Lot Dimensions
- 50X100X50X100
- Acreage
- 0.11
- Lot Size (SqFt)
- 4966
- Pool
- No
Listing Info, Tax and Legal
- HOA Fee
- Yes
- HOA Amount
- 600
- HOA Frequency
- Annually
- HOA Annual Amount
- 600
- New Buyer Fee
- No
- Last Taxes
- 2775
- Last Tax Year
- 2025
- Brokerage Interest
- Ownership Interest – Listing Broker/Salesperson has ownership interest in the property.
- As Is
- No
Remarks & Misc
- Remarks
- Great Primary Residence or Short-Term Rental Opportunity in Panama City Beach! This beautifully upgraded 2021 3BR/2BA home offers a split floor plan with tray ceilings in the living room and master suite. Recent updates include new LVP flooring, quartz countertops throughout, tile backsplash, new refrigerator and stove, shiplap electric fireplace, recessed lighting, upgraded plumbing fixtures, and door hardware. Custom wooden shelving has been added to all closets and the pantry for excellent organization and storage. The home is pre-wired for two Tesla chargers and sits on a small, low-maintenance yard with new Zoysia grass and palm trees. Additional storage is available above the garage. As a 2021 build, it benefits from some of the lowest insurance premiums on the beach along with a newer roof, AC, and major systems. The community features one of the lowest HOA fees in the area and includes a dog park. Located less than 1 mile from the marina with boat slips and launch, Navy base, and sports complex, this home is just 3 miles from the Gulf beaches. The nearby sports complex drives strong rental demand from traveling baseball teams and tournaments. Perfect as a personal beach home or for generating income, with a projected annual gross rental income of $42,000. This is a move-in ready gem–reach out today for more details or to schedule a showing!
Dining Room
- First
- Yes
More Information
Appliances
- Cooktop – Electric
- Yes
- Dishwasher
- Yes
- Disposal
- Yes
- Microwave
- Yes
- Oven – Electric
- Yes
- Range – Electric
- Yes
- Refrigerator
- Yes
- Water Heater – Electric
- Yes
Interior Features
- Ceiling – Vaulted
- Yes
- Floor – Laminate
- Yes
- Kitchen Island
- Yes
- Pantry
- Yes
- Security System
- Yes
- Split Bedroom
- Yes
Construction/Siding
- Roof – Composite Shngl
- Yes
- Roof – Shingle/Shake
- Yes
- Siding – Hardie Board
- Yes
Exterior
- Patio Covered
- Yes
- Porch Covered
- Yes
- Sprinkler System
- Yes
Association Fees Include
- Other – See Remarks
- Yes
Financing
- Cash
- Yes
- Conventional
- Yes
- FHA
- Yes
- VA
- Yes
Furnished
- Partially
- Yes
Interior
- Floor – Carpet
- Yes
Living Room
- First
- Yes
Lot Features
- Subdivision – Recorded
- Yes
Lot Access
- City Street
- Yes
Parking Features
- Driveway
- Yes
- Garage Attached
- Yes
Present Zoning
- Resid Single Family
- Yes
Association Amenities
- Other – See Remarks
- Yes
Rooms
- Bedroom
- Yes
- Dining Room
- Yes
- Living Room
- Yes
Utilities
- Public Sewer – Connected
- 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 First Floor
- Yes
- MBed Walk-in Closet
- Yes
Property Features
Appliances:
Cooktop – Electric; Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric
Bedroom:
First
Cooling:
Central Air
Heating:
Central
Exterior:
Patio Covered; Porch Covered; Sprinkler System
Association Fees Include:
Other – See Remarks
Financing:
Cash; Conventional; FHA; VA
Furnished:
Partially
Interior:
Floor – Carpet
Living Room:
First
Lot Features:
Subdivision – Recorded
Lot Access:
City Street
Dining Room:
First
Parking Features:
Driveway; Garage Attached
Association Amenities:
Other – See Remarks
Rooms:
Bedroom; Dining Room; Living Room
Utilities:
Public Sewer – Connected
Present Zoning:
Resid Single Family
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 |
| Bedroom | First | 13 x 14 | 13.00 | 14.00 |
| Bedroom | First | 11 x 12 | 11.00 | 12.00 |
| Bedroom | First | 11 x 12 | 11.00 | 12.00 |
Listing Office:
Blue Bird Woliver Realty
Last Updated: July – 29 – 2026
Information deemed reliable but not guaranteed.