623 Fernwood Street A, Panama City Beach, FL 32407 (MLS# 788364)

623 Fernwood Street A, Panama City Beach, FL 32407

$760,000

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,495 Status: Active

Current Price: $760,000 List Date: 4/14/2026 Last Modified: 5/30/2026

Overview

Description

Great investment opportunity on the beach! Spacious four bedroom, four bath home located just one block north of Front Beach Road. Enjoy gulf views from all three balconies or take a quick walk to the beach. Walking distance to several restaurants and bars. First-floor features one car garage and one bedroom with efficiency kitchen and full bath, perfect for separate rental. Second and third floors offer more oversized living areas, fresh paint in 2022 inside and out, new vinyl floor in 2021, sliding glass doors to balconies, granite countertops, breakfast bar, and third-floor master bedroom with gulf views. Electric shades on second floor balcony. Privacy railings on 1st and 2nd Floors. Can see fireworks from both piers (County and Pier Park) from 3rd Floor Balcony. Fantastic opportunity to live one block from the beach for an affordable price! Low maintenance costs and no HOA. Current Termite Bond with Arrow Pest. Home being sold in its as-is condition. All measurements and dimens … (Read more)

Listing Details MLS# 788364

Contract Info

List Price/SqFt: 304.61

Location

Area: 03 – Bay County – Beach
Street #: 623
Street Name: Fernwood
Street Suffix: Street
Unit #: A
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: No Named Subdivision
Community/Resort: None
Waterfront: No
Parcel ID: 34147-010-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Head N of S Arnold Rd. Turn right onto US-98 E/Back Beach Rd/Panama City Beach Pkwy. Turn right onto Fernwood St. It is on the left.
Legal Description: 27 3S 16W -104.2A- 38A3 PART OF BAHAMA BEACH PARCEL #9 DESC AS: COM AT NW COR OF NE1/4 OF SW1/4 E 640.28' TO E R/W OF FERNWOOD ST S 565.68' FOR POB TH E 82.96' S 26.20' W 82.98' TO E R/W OF FERNWOOD ST N 26.20' TO POB ORB 3272 P 1485

General Property Info

Sub-Type: Attached Single Unit
Design: Beach House
Apx SqFt(Htd/Cooled): 2495
SqFt Source: Owner Measured
Full Baths: 4
Total Baths: 4
# of Stories in Building: 3
Year Built: 2004
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: N/A
Pool: No

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 3267
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Great investment opportunity on the beach! Spacious four bedroom, four bath home located just one block north of Front Beach Road. Enjoy gulf views from all three balconies or take a quick walk to the beach. Walking distance to several restaurants and bars. First-floor features one car garage and one bedroom with efficiency kitchen and full bath, perfect for separate rental. Second and third floors offer more oversized living areas, fresh paint in 2022 inside and out, new vinyl floor in 2021, sliding glass doors to balconies, granite countertops, breakfast bar, and third-floor master bedroom with gulf views. Electric shades on second floor balcony. Privacy railings on 1st and 2nd Floors. Can see fireworks from both piers (County and Pier Park) from 3rd Floor Balcony. Fantastic opportunity to live one block from the beach for an affordable price! Low maintenance costs and no HOA. Current Termite Bond with Arrow Pest. Home being sold in its as-is condition. All measurements and dimensions are approximate. More pictures provided upon request.

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Range – Electric: Yes
Range Hood: Yes
Refrigerator: Yes
Washer: Yes

More Information

Interior Features

Ceiling – Raised: Yes
Floor – Vinyl: Yes
Lighting – Recessed: Yes
Lock Out Unit: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Metal: Yes
Siding – Stucco: Yes

Exterior

Balcony: Yes
Deck Covered: Yes
Deck Open: Yes
Fenced Back Yard: Yes
Patio Covered: Yes

Financing

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

Furnished

Unfurnished: Yes

Kitchen

Second: Yes

Living Room

Second: Yes

Lot Features

Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes

Parking Features

Garage Attached: Yes
Garage Door Opener: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBed Balcony: Yes

Present Zoning

City: Yes

Rooms

Bedroom: Yes
Kitchen: Yes
Living Room: Yes

Utilities

Other – See Remarks: Yes

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Bedroom

First: Yes
Second: Yes
Third: Yes

Cooling

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

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Microwave; Range – Electric; Range Hood; Refrigerator; Washer Bedroom: First; Second; Third Cooling: Ceiling Fan(s); Central Air; Electric Exterior: Balcony; Deck Covered; Deck Open; Fenced Back Yard; Patio Covered Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Kitchen: Second Living Room: Second Lot Features: Within 1/2 Mile to Water Lot Access: City Street Parking Features: Garage Attached; Garage Door Opener Rooms: Bedroom; Kitchen; Living Room Sale Type: As Is Utilities: Other – See Remarks Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	Second	18 x 20	18.00	20.00
Kitchen	Second	20 x 10	20.00	10.00
Bedroom	First	18 x 18	18.00	18.00
Bedroom	Second	12 x 12	12.00	12.00
Bedroom	Third	20 x 15	20.00	15.00
Bedroom	Third	20 x 18	20.00	18.00

Listing Office: Flynn Realty

Last Updated: May – 30 – 2026

Information deemed reliable but not guaranteed.