5505 Sun Harbor Road 181, Panama City, FL 32401 (MLS# 774167)

5505 Sun Harbor Road 181, Panama City, FL 32401

$340,000

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,200 Status: Active

Current Price: $340,000 List Date: 2/01/2026 Last Modified: 8/15/2026

Overview

Description

Over $100,000 in PRICE REDUCTIONS and Short Term Rentals are Now Approved by the Association!!! Step inside this stunning, fully furnished two-story end unit! The spacious layout features 2 beds, 2 full baths, a large kitchen, a dining area, and an open living room built for entertaining. Relax on your two private covered balconies and take in panoramic, magnificent views of the bay, pool, and marina. Living here means effortless waterfront access, with marina boat slips available to buy or rent (with or without lifts), and a brand-new on-site restaurant coming soon! Unparalleled versatility meets absolute rarity. Whether you are seeking a primary waterfront residence, a premier vacation home, or a high-yield rental investment, this property offers endless possibilities. Opportunities like this are truly generational–this exceptional condo is so tightly held that it has changed hands only once since its original construction.

Listing Details MLS# 774167

Contract Info

List Price/SqFt: 283.33

Location

Area: 02 – Bay County – Central
Street #: 5505
Street Name: Sun Harbor
Street Suffix: Road
Unit #: 181
State: FL
Zip Code: 32401
County: Bay
Sub Area: 0203 – Bay – Central SW
Subdivision: Sun Harbor Condo
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 27935-542-000
Elementary School: Lucille Moore
Middle School: Jinks
High School: Bay
Directions: From PCB get onto Hathaway Bridge. Make a right onto ramp toward Port/Panama City. Make a right and then immediate right onto Sun Harbor. Turn left into Sun Harbor, unit is first one.
Legal Description: SUN HARBOR CONDO UNIT 181 ORB 968 P 1383 1BR 1B 1200 H&C ORB 4193 P 1451

General Property Info

Sub-Type: Condominium
Floor Number: Yes
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1200
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 1984
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Assigned Spaces: 2
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 425
HOA Frequency: Monthly
HOA Annual Amount: 5100
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 3500
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Over $100,000 in PRICE REDUCTIONS and Short Term Rentals are Now Approved by the Association!!! Step inside this stunning, fully furnished two-story end unit! The spacious layout features 2 beds, 2 full baths, a large kitchen, a dining area, and an open living room built for entertaining. Relax on your two private covered balconies and take in panoramic, magnificent views of the bay, pool, and marina. Living here means effortless waterfront access, with marina boat slips available to buy or rent (with or without lifts), and a brand-new on-site restaurant coming soon! Unparalleled versatility meets absolute rarity. Whether you are seeking a primary waterfront residence, a premier vacation home, or a high-yield rental investment, this property offers endless possibilities. Opportunities like this are truly generational–this exceptional condo is so tightly held that it has changed hands only once since its original construction.

Pool Features

Fenced: Yes
Inground: Yes

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer/Dryer Stacked: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Tile: Yes
Stairs: Yes
Window – Treatment All: Yes

Construction/Siding

Roof – Metal: Yes
Siding – Wood: Yes

Exterior

Balcony: Yes
Deck Covered: Yes
Patio Covered: Yes
Porch Covered: Yes

Waterfront Feature

Boat Slip: Yes
Boatlift: Yes

Association Fees Include

Accounting: Yes
Dumpster: Yes
Ground Keeping: Yes
Insurance: Yes
Legal: Yes
Pest Control: Yes
Pool: Yes
TV Cable: Yes
Water: Yes

Financing

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

Furnished

Negotiable: Yes

Lot Features

Covenants & Rescrictions: Yes
Deeded Access Water: Yes
Flood Insurance Req: Yes
Landscaped: Yes
Near Beach Access: Yes
Near Public Boat Ramp: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Lot Access

State Highway: Yes
Paved Road: Yes

Parking Features

Assigned: Yes
Parking Lot: Yes
Paved: Yes

Present Zoning

Resort: Yes

Association Amenities

BBQ Pit/Grill: Yes
Dock: Yes
Fishing: Yes
Laundry: Yes
Marina: Yes
Picnic Area: Yes
Pool: Yes
Retail Shops: Yes
Waterfront: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

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

Waterview

Bay: Yes
Unobstructed: Yes

Sale Type

As Is: Yes

Waterfront Type

Bay/Harbor: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Electric: Yes

Heating

Electric: Yes

Primary Bdrm/Primary Bath

MBath Walk-In Closet: Yes
MBed Balcony: Yes
MBed First Floor: Yes
MBed Sitting Area: Yes
MBed Waterfront: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Security Features

Fire Alarm: Yes
Security Lights: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Microwave; Oven – Electric; Range – Electric; Refrigerator; Washer/Dryer Stacked; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Electric Heating: Electric Exterior: Balcony; Deck Covered; Patio Covered; Porch Covered Association Fees Include: Accounting; TV Cable; Dumpster; Insurance; Legal; Ground Keeping; Pest Control; Pool; Water Financing: Cash; Conventional; FHA; VA Furnished: Negotiable Lot Features: Covenants & Rescrictions; Deeded Access Water; Flood Insurance Req; Landscaped; Near Beach Access; Near Public Boat Ramp; Waterfront; Within 1/2 Mile to Water Lot Access: State Highway; Paved Road Pool Features: Fenced; Inground Security Features: Fire Alarm; Security Lights; Smoke Detector(s) Parking Features: Assigned; Parking Lot; Paved Association Amenities: BBQ Pit/Grill; Dock; Fishing; Laundry; Marina; Picnic Area; Pool; Retail Shops; Waterfront Rooms: Bedroom; Primary Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Bay/Harbor Waterfront Feature: Boat Slip; Boatlift Waterview: Bay; Unobstructed Present Zoning: Resort

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	12 x 9	12.00	9.00
Primary Bedroom	First	30 x 25	30.00	25.00

Listing Office: Coastal Sun Realty LLC

Last Updated: August – 15 – 2026

Information deemed reliable but not guaranteed.