532 Cove Villa Street, Panama City Beach, FL 32407 (MLS# 791523)

532 Cove Villa Street, Panama City Beach, FL 32407

$455,000

WELCOME HOME! A prime coastal location! Offering a secure and welcoming environment for active duty families and locals alike!

Short term rentals allowed! This is a prime coastal location, and the drone shot perfectly captures the pristine, well-maintained streets of the community, offering a secure and welcoming environment for active duty families and locals alike.

Step right up to your inviting covered front porch. With plenty of room for seating, it is the perfect spot to sip your morning coffee and enjoy the coastal breeze.

WELCOME to Pristine Coastal Living, 4 Bedroom, primary on the ground floor! LOW-maintenance landscaping complete with beautiful tropical palms sets the perfect coastal tone before you even step inside!

Step inside to a bright, beautifully designed open-concept living space! Gorgeous, durable flooring flows seamlessly throughout the main level.

The spacious family room offers abundant natural light, recessed lighting, and plenty of room for a massive sectional—plus a perfect nook for a home office setup!

Enjoy family meals in this dedicated, sunlit dining space. Located right off the kitchen, it makes serving and entertaining an absolute breeze.

Designed for effortless everyday living and entertaining, the living room flows perfectly right into the dining and kitchen areas so you never miss a moment with family or guests.

The chef’s kitchen you have been waiting for! Featuring stunning granite countertops, high-end stainless steel appliances, and gorgeous white shaker cabinetry that offers incredible storage.

Notice the brilliant open flow of the floor plan! The dining area connects directly to the kitchen's extended breakfast bar, offering flexible seating options for a busy lifestyle.

STEP INTO YOUR BUG-FREE OUTDOOR OASIS! This fantastic covered and screened-in back porch allows you to enjoy the beautiful Florida weather year-round without the mosquitoes ruining your evening.

DESIGNED FOR ULTIMATE RELAXATION. With a built-in ceiling fan, ambient string lights, and plenty of room for comfortable patio furniture, this is the perfect spot to sip your morning coffee or unwind after a long day.

YOUR WEEKEND COOKOUTS JUST GOT AN UPGRADE! This porch offers a dedicated, covered space for your grill, making it easier than ever to host friends and family rain or shine.

WELCOME TO YOUR PRIVATE BACKYARD RETREAT. This fully privacy-fenced yard features a massive, lush green lawn that provides a safe and secure space for kids, pets, and outdoor games.

Welcome to Emerald Cove Villas! A beautifully maintained, highly desirable community that puts you right in the heart of the coastal lifestyle.

CALLING ALL GREEN THUMBS! Tucked nicely along the fence line is a beautiful, dedicated garden bed space ready for your favorite flowers, fresh herbs, or summer vegetables.

ENJOY MAGICAL EVENINGS UNDER THE STARS. Creating an inviting atmosphere for nighttime entertaining.

INDOOR-OUTDOOR LIVING SEAMLESSLY BLENDED. This exterior view showcases the incredible screened-in addition, complete with a convenient built-in pet door for your furry family members!

PLENTY OF ROOM FOR ALL YOUR PITMASTER TOYS. Step right outside the screen door to find an additional exterior patio space with stepping stones, creating the perfect spot to set up a smoker or extra outdoor gear.

Welcome to Emerald Cove Villas from above! This tight-knit, quiet cul-de-sac community is highly sought-after by military families and professionals looking for a peaceful neighborhood right off the beaten path.

A prime coastal location! This drone shot perfectly captures the pristine, well-maintained streets of the community, offering a secure and welcoming environment for active duty families and locals alike.

Location, location, location! From this bird’s-eye view, you can see just how close you are to the Grand Lagoon, St. Andrews State Park, and your daily commute to the Navy base.

The ultimate PCS landing spot! This stunning aerial view highlights your zero-stress commute—you are approximately 2 miles (under a 5-minute drive!) from the gates of NSA Panama City.

Welcome home! This stunning two-story coastal beauty boasts phenomenal curb appeal with a crisp white exterior, a spacious two-car garage, and a wide, welcoming driveway. The sunset sky made with Ai!

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,602 Lot Size (sq. ft.): 4,792 Status: Active

Current Price: $455,000 List Date: 6/18/2026 Last Modified: 8/15/2026

Overview

Description

Exceptional value meets prime coastal living–this is currently the LOWEST priced 4-BED, 2,600+ sq ft home featuring a MAIN-FLOOR PRIMARY SUITE anywhere in PCB! YOUR COASTAL BEAUTY AWAITS! A 2021 CRAFTSMAN, TUCKED AWAY ON A PRIVATE CUL-DE-SAC. Deeply loved and meticulously maintained by its current family, this property is filled with warmth, character, and an incredible sense of home. Spanning over 2,600 square feet of brilliantly designed living space, this immaculate 4-bedroom, 3.5-bathroom residence is the definition of modern coastal comfort. With a fresh, open-concept layout and premium upgrades throughout, this house proves you do not have to sacrifice space for a phenomenal location. DESIGNED FOR EFFORTLESS EVERYDAY LIVING, THE FLOOR PLAN FEATURES TWO SEPARATE LIVING ROOMS TO GIVE EVERYONE IN THE FAMILY PLENTY OF COMFORTABLE SPACE TO SPREAD OUT. The main level offers ultimate privacy with a spacious 1ST FLOOR PRIMARY BEDROOM retreat featuring a massive walk-in closet and … (Read more) Exceptional value meets prime coastal living–this is currently the LOWEST priced 4-BED, 2,600+ sq ft home featuring a MAIN-FLOOR PRIMARY SUITE anywhere in PCB! YOUR COASTAL BEAUTY AWAITS! A 2021 CRAFTSMAN, TUCKED AWAY ON A PRIVATE CUL-DE-SAC. Deeply loved and meticulously maintained by its current family, this property is filled with warmth, character, and an incredible sense of home. Spanning over 2,600 square feet of brilliantly designed living space, this immaculate 4-bedroom, 3.5-bathroom residence is the definition of modern coastal comfort. With a fresh, open-concept layout and premium upgrades throughout, this house proves you do not have to sacrifice space for a phenomenal location. DESIGNED FOR EFFORTLESS EVERYDAY LIVING, THE FLOOR PLAN FEATURES TWO SEPARATE LIVING ROOMS TO GIVE EVERYONE IN THE FAMILY PLENTY OF COMFORTABLE SPACE TO SPREAD OUT. The main level offers ultimate privacy with a spacious 1ST FLOOR PRIMARY BEDROOM retreat featuring a massive walk-in closet and an en-suite bathroom that serves as a true oasis, boasting a large walk-in shower. The heart of the home is a beautiful chef’s kitchen equipped with stunning granite countertops, a sleek smooth-top stove, high-end stainless steel appliances, pantry, and cabinetry offering incredible storage. Beautiful, durable vinyl plank flooring runs throughout the downstairs living areas, perfectly complementing the modern finishes while standing up to a busy lifestyle. Fully equipped for convenience, the property includes built-in smart-home technology with keyless entry, a touch-screen control panel, a smart doorbell, and Echo Dot integration. THE SECOND LEVEL IS AN ABSOLUTE DREAM FOR FAMILIES OR HOSTING GUESTS, HIGHLIGHTED BY A MASSIVE SECONDARY LIVING ROOM. This spacious upstairs family or game room is the perfect, comfortable flex space for a pool table, a cozy media room, or a private retreat for kids to relax and play. The generously sized upstairs bedrooms feature cozy carpeting and share a highly functional Jack-and-Jill bathroom. Step outside to your private outdoor oasis, where a covered patio overlooks a fully privacy-fenced backyard, creating a secure environment that has been the setting for countless weekend cookouts and wonderful family memories. LOCATION IS EVERYTHING, AND FOR MILITARY BUYERS, THIS IS THE ULTIMATE PCS DREAM WITH NSA PANAMA CITY RIGHT AT YOUR DOORSTEP. From your quiet cul-de-sac, your morning commute to the Navy base is literally under five minutes, making it an absolute dream for active duty families or busy professionals. When it is time to unwind, you are perfectly positioned less than ten minutes from the pristine shores of St. Andrews State Park and the sugar-white sand beaches. Spend your weekends exploring the waterfront dining and shopping of the Grand Lagoon, grabbing authentic local flavor at Dat Cajun Place, or celebrating the sunset at the legendary Schooners. PRICED COMPETITIVELY, THIS INCREDIBLY LOVED HOME REPRESENTS A FANTASTIC VALUE AND THE PERFECT LANDING SPOT FOR A RELOCATION. This property is incredibly versatile and warmly welcomes VA, FHA, Conventional, and Cash buyers. A nearly-new build with two living spaces, this much square footage, and this level of comfort is a rare find on the coast, so schedule your private tour today!

Listing Details MLS# 791523

Contract Info

List Price/SqFt: 174.87

Location

Area: 03 – Bay County – Beach
Street #: 532
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: 27541-500-018
Elementary School: Walsingham Academy
Middle School: Breakfast Point
High School: Arnold
Directions: From US Highway 98 and Thomas Drive travel north on Wildwood Road. Turn left into Emerald Cove Villas and take the first right to Cove Villa Street. Home is on the right.
Legal Description: EMERALD COVE VILLAS LOT 9 ORB 4837 P 1

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2602
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 2021
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 4
Lot Dimensions: 50.0 ft x 100.0 ft
Acreage: 0.11
Lot Size (SqFt): 4792
Pool: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 620.28
HOA Frequency: Annually
HOA Annual Amount: 620.28
New Buyer Fee: Yes
New Buyer Fee Amt: 300
New Buyer Fee Paid: $
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Exceptional value meets prime coastal living–this is currently the LOWEST priced 4-BED, 2,600+ sq ft home featuring a MAIN-FLOOR PRIMARY SUITE anywhere in PCB! YOUR COASTAL BEAUTY AWAITS! A 2021 CRAFTSMAN, TUCKED AWAY ON A PRIVATE CUL-DE-SAC. Deeply loved and meticulously maintained by its current family, this property is filled with warmth, character, and an incredible sense of home. Spanning over 2,600 square feet of brilliantly designed living space, this immaculate 4-bedroom, 3.5-bathroom residence is the definition of modern coastal comfort. With a fresh, open-concept layout and premium upgrades throughout, this house proves you do not have to sacrifice space for a phenomenal location. DESIGNED FOR EFFORTLESS EVERYDAY LIVING, THE FLOOR PLAN FEATURES TWO SEPARATE LIVING ROOMS TO GIVE EVERYONE IN THE FAMILY PLENTY OF COMFORTABLE SPACE TO SPREAD OUT. The main level offers ultimate privacy with a spacious 1ST FLOOR PRIMARY BEDROOM retreat featuring a massive walk-in closet and an en-suite bathroom that serves as a true oasis, boasting a large walk-in shower. The heart of the home is a beautiful chef's kitchen equipped with stunning granite countertops, a sleek smooth-top stove, high-end stainless steel appliances, pantry, and cabinetry offering incredible storage. Beautiful, durable vinyl plank flooring runs throughout the downstairs living areas, perfectly complementing the modern finishes while standing up to a busy lifestyle. Fully equipped for convenience, the property includes built-in smart-home technology with keyless entry, a touch-screen control panel, a smart doorbell, and Echo Dot integration. THE SECOND LEVEL IS AN ABSOLUTE DREAM FOR FAMILIES OR HOSTING GUESTS, HIGHLIGHTED BY A MASSIVE SECONDARY LIVING ROOM. This spacious upstairs family or game room is the perfect, comfortable flex space for a pool table, a cozy media room, or a private retreat for kids to relax and play. The generously sized upstairs bedrooms feature cozy carpeting and share a highly functional Jack-and-Jill bathroom. Step outside to your private outdoor oasis, where a covered patio overlooks a fully privacy-fenced backyard, creating a secure environment that has been the setting for countless weekend cookouts and wonderful family memories. LOCATION IS EVERYTHING, AND FOR MILITARY BUYERS, THIS IS THE ULTIMATE PCS DREAM WITH NSA PANAMA CITY RIGHT AT YOUR DOORSTEP. From your quiet cul-de-sac, your morning commute to the Navy base is literally under five minutes, making it an absolute dream for active duty families or busy professionals. When it is time to unwind, you are perfectly positioned less than ten minutes from the pristine shores of St. Andrews State Park and the sugar-white sand beaches. Spend your weekends exploring the waterfront dining and shopping of the Grand Lagoon, grabbing authentic local flavor at Dat Cajun Place, or celebrating the sunset at the legendary Schooners. PRICED COMPETITIVELY, THIS INCREDIBLY LOVED HOME REPRESENTS A FANTASTIC VALUE AND THE PERFECT LANDING SPOT FOR A RELOCATION. This property is incredibly versatile and warmly welcomes VA, FHA, Conventional, and Cash buyers. A nearly-new build with two living spaces, this much square footage, and this level of comfort is a rare find on the coast, so schedule your private tour today!

Dining Room

First: Yes

More Information

Family Room

Second: Yes

Appliances

Dishwasher: Yes
Microwave: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Floor – Vinyl Plank: Yes
Lighting – Recessed: Yes
Pantry: Yes
Stairs: Yes
Window – Treatment All: Yes

Construction/Siding

Wood/Frame: Yes
Roof – Dimensional Shg: Yes
Siding – Hardie Board: Yes

Exterior

Fenced Back Yard: Yes
Porch Covered: Yes
Porch Screened: Yes
Sprinkler System: Yes

Association Fees Include

Accounting: Yes
Management: Yes
Master Association: Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Covenants & Rescrictions: Yes
Cul-De-Sac: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

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

Present Zoning

County: Yes
Resid Single Family: Yes

Association Amenities

Dog Park: Yes
Sidewalks: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Family Room: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

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

Sale Type

As Is: Yes

Primary Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed First Floor: Yes
MBed Walk-in Closet: Yes

Security Features

Security System: Yes

Property Features

Appliances: Dishwasher; Microwave; Range – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: First Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Fenced Back Yard; Porch Covered; Porch Screened; Sprinkler System Association Fees Include: Accounting; Management; Master Association Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Floor – Carpet Kitchen: First Living Room: First Lot Features: Covenants & Rescrictions; Cul-De-Sac; Within 1/2 Mile to Water Lot Access: Paved Road Dining Room: First Family Room: Second Security Features: Security System Parking Features: Driveway; Garage Attached; Garage Door Opener Association Amenities: Dog Park; Sidewalks Rooms: Bedroom; Dining Room; Family Room; Kitchen; Living Room; Primary Bedroom Sale Type: As Is Showing: ShowingTime Utilities: TV Cable; Electricity – Connected; Internet – Fiber Optic; Phone – Available; Public Sewer – Connected; Public Water – Connected; Underground Utilities Present Zoning: County; Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Primary Bedroom	First	16 x 13	16.00	13.00	approximate
Bedroom	Second	13 x 11	13.00	11.00	approximate
Bedroom	Second	13 x 11	13.00	11.00	approximate
Bedroom	Second	12 x 12	12.00	12.00	approximate
Kitchen	First	11 x 13	11.00	13.00	approximate
Living Room	First	13 x 21	13.00	21.00	approximate
Family Room	Second	23 x 16	23.00	16.00	approximate
Dining Room	First	12 x 13	12.00	13.00	approximate

Listing Office: CENTURY 21 Ryan Realty Inc

Last Updated: August – 15 – 2026

Information deemed reliable but not guaranteed.