623 Fernwood Street C, Panama City Beach, FL 32407 (MLS# 794909)

623 Fernwood Street C, Panama City Beach, FL 32407

New Listing

$788,950

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,116 Lot Size (sq. ft.): 2,614 Status: Active

Current Price: $788,950 List Date: 9/02/2026 Last Modified: 9/05/2026

Overview

Description

This fully furnished, rental ready townhome is less than 2 blocks from the sugar white sands and emerald green waters! Completely renovated in 2025 with new beachy decor, new furnishings, fresh interior paint throughout, and fresh exterior paint. The home also features a new roof, and has been updated to all current codes, including a newly redone sprinkler system! Best of all, there are no HOA dues!!! The property includes a 3 bed, 3 bath main home, with a separate, private efficiency studio and 1 full bathroom. 2 properties to rent! Live in one, rent the other, rent them both either short or long term, or use the entire property as your primary residence. There are tons of options to choose from! Just as you enter the primary 3/3 portion of the property and continue to the second level, there is a guest bedroom and full bath along with a large living, kitchen, and dining area. The second level offers two covered balconies. The rear balcony is perfect for the guest bedroom o … (Read more) This fully furnished, rental ready townhome is less than 2 blocks from the sugar white sands and emerald green waters! Completely renovated in 2025 with new beachy decor, new furnishings, fresh interior paint throughout, and fresh exterior paint. The home also features a new roof, and has been updated to all current codes, including a newly redone sprinkler system! Best of all, there are no HOA dues!!! The property includes a 3 bed, 3 bath main home, with a separate, private efficiency studio and 1 full bathroom. 2 properties to rent! Live in one, rent the other, rent them both either short or long term, or use the entire property as your primary residence. There are tons of options to choose from! Just as you enter the primary 3/3 portion of the property and continue to the second level, there is a guest bedroom and full bath along with a large living, kitchen, and dining area. The second level offers two covered balconies. The rear balcony is perfect for the guest bedroom occupants to have their own private space, while the front balcony is spacious enough for lounging, or even outdoor dining. On the third level is a large guest bedroom with an attached full bathroom, and the oversized primary bedroom with its own full bathroom including double vanities and a soaker tub. From the primary bedroom there is access to the large third floor balcony with beautiful Gulf and sunset views! Around the rear of the property is the separate studio. With its own private access, large covered porch, and full bathroom, it makes a great short or long term rental. The studio also has the use of the fenced in back yard. There is a one car garage, and parking for several more vehicles in the driveway. Just a short, 2 minute stroll to the beach (accessed by one of the several beach access points located on Front Beach Road. See photos), and 1 block from the Salty Goat Saloon featuring live, local entertainment nightly, and a full bar and grill. Plenty to do nearby, easy access to all PCB, centrally located, this property offers all you need for the perfect primary or investment opportunity! Contact me anytime for more information, and especially to set up your own private showing!

Listing Details MLS# 794909

Contract Info

List Price/SqFt: 372.85

Location

Area: 03 – Bay County – Beach
Street #: 623
Street Name: Fernwood
Street Suffix: Street
Unit #: C
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Bahama Beach
Community/Resort: None
Waterfront: No
Parcel ID: 34147-025-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: From Hwy 79 South and Hwy 98 (Panama City Beach Parkway), turn East on Hwy 98. Go approximately 3 1/2 miles and turn South on Fernwood St. Go Approximately 1/2 mile, and the property will be on the left side of the road. It is the blue and white townhouse, unit C.
Legal Description: 27 3S 16W -104.2D- PART OF BAHAMA BEACH PARCEL #9 DESC AS: COM AT NW COR OF NE1/4 OF SW1/4 E 637.84' TO E R/W OF FERNWOOD ST S 508.84' FOR POB TH E 82.92' E 27.98' S 26.90' W 27.88' W 82.87' TO E ROW OF FERNWOOD ST TH N 27.94' TO POB 4839 P 1714

General Property Info

Sub-Type: Attached Single Unit
Design: Beach House
Apx SqFt(Htd/Cooled): 2116
SqFt Source: Prop App Site
Full Baths: 4
Total Baths: 4
Accessory Dwelling Unit: Yes
ud_i_08: 400
ud_c100_08: Separate studio apartment located on ground level in back of the primary residence.
Year Built: 2004
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: 27.0 ft x 110.0 ft
Acreage: 0.06
Lot Size (SqFt): 2614
Pool: No

Accessory Dwelling Unit

Number of Bathrooms: Yes
Number of Bedrooms: Yes
Attached: Yes
Bathroom: Yes
Bedroom: Yes
Cooled: Yes
Heated: Yes
Kitchen: Yes
Separate Entrance: Yes

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 5157.56
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: This fully furnished, rental ready townhome is less than 2 blocks from the sugar white sands and emerald green waters! Completely renovated in 2025 with new beachy decor, new furnishings, fresh interior paint throughout, and fresh exterior paint. The home also features a new roof, and has been updated to all current codes, including a newly redone sprinkler system! Best of all, there are no HOA dues!!! The property includes a 3 bed, 3 bath main home, with a separate, private efficiency studio and 1 full bathroom. 2 properties to rent! Live in one, rent the other, rent them both either short or long term, or use the entire property as your primary residence. There are tons of options to choose from! Just as you enter the primary 3/3 portion of the property and continue to the second level, there is a guest bedroom and full bath along with a large living, kitchen, and dining area. The second level offers two covered balconies. The rear balcony is perfect for the guest bedroom occupants to have their own private space, while the front balcony is spacious enough for lounging, or even outdoor dining. On the third level is a large guest bedroom with an attached full bathroom, and the oversized primary bedroom with its own full bathroom including double vanities and a soaker tub. From the primary bedroom there is access to the large third floor balcony with beautiful Gulf and sunset views! Around the rear of the property is the separate studio. With its own private access, large covered porch, and full bathroom, it makes a great short or long term rental. The studio also has the use of the fenced in back yard. There is a one car garage, and parking for several more vehicles in the driveway. Just a short, 2 minute stroll to the beach (accessed by one of the several beach access points located on Front Beach Road. See photos), and 1 block from the Salty Goat Saloon featuring live, local entertainment nightly, and a full bar and grill. Plenty to do nearby, easy access to all PCB, centrally located, this property offers all you need for the perfect primary or investment opportunity! Contact me anytime for more information, and especially to set up your own private showing!

More Information

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
ENERGY STAR Qualified Appliances: Yes
Freezer: Yes
Ice Maker: Yes
Microwave: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Guest Quarters: Yes
Lighting – Recessed: Yes
Lock Out Closet: Yes
Split Bedroom: Yes
Stairs: Yes
Window – Treatment All: Yes

Construction/Siding

Wood/Frame: Yes
Roof – Metal: Yes
Siding – Stucco: Yes

Exterior

Balcony: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Patio Covered: Yes

Financing

Cash: Yes
Conventional: Yes
USDA: Yes
VA: Yes
Other: Yes

Furnished

Furnished: Yes

Kitchen

Second: Yes

Living Room

Second: Yes

Lot Features

Near Beach Access: Yes
Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes
Paved: Yes
Shared Driveway: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

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

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Primary Bedroom

Third: Yes

Bedroom

First: Yes
Second: Yes
Third: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBed Balcony: Yes

Security Features

Closed Circuit Camera(s): Yes
Fire Sprinkler System: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; ENERGY STAR Qualified Appliances; Freezer; Ice Maker; Microwave; Range – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: Third Bedroom: First; Second; Third Cooling: Ceiling Fan(s); Central Air Heating: Central Exterior: Balcony; Fenced Back Yard; Fenced Privacy; Patio Covered Financing: Cash; Conventional; USDA; VA; Other Furnished: Furnished Kitchen: Second Living Room: Second Lot Features: Near Beach Access; Within 1/2 Mile to Water Lot Access: City Street Accessory Dwelling Unit: Attached; Bathroom; Bedroom; Cooled; Heated; Kitchen; Separate Entrance Security Features: Closed Circuit Camera(s); Fire Sprinkler System; Smoke Detector(s) Parking Features: Driveway; Garage Attached; Garage Door Opener; Paved; Shared Driveway Rooms: Bedroom; Kitchen; Living Room; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterview: Gulf Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Living Room	Second	19 x 17	19.00	17.00
Kitchen	Second	7 x 10	7.00	10.00
Primary Bedroom	Third	19 x 17	19.00	17.00
Bedroom	Third	19 x 12	19.00	12.00
Bedroom	Second	12 x 11	12.00	11.00
Bedroom	First	20 x 15	20.00	15.00	Separate Studio Unit (ADU)

Listing Office: Pineapple Properties

Last Updated: September – 05 – 2026

Information deemed reliable but not guaranteed.