$347,900
109 N Cove Lane
Panama City, FL 32401
MLS# 780281
4 beds  |  2 baths  |  1727 sqft


109 N Cove Lane PC (2)
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109 N Cove Lane PC (2) Lots of countertop space for food prep and cabinets for storage! Spacious utility room with lots of storage. ALL appliances convey! Master bedroom with access to large screened porch. Dbl vanity, walk-in shower and walk-in closet in MBA Living room has plenty of room for all your guests! Large Dining Room HUGE Screened Porch 2nd Bedroom 3rd Bedroom 4th bedroom Hall Bath with walk-in shower Huge backyard! all_floors_109_north_cove_lane_panama_ci Another pic of kitchen View of kit from utility room another view of kit. Note oven under gas stove and oven across on the right side. utility room Another view of dining room Screened Porch has access to the master bedroom (on the left) and door to the kitchen (on the right) View of living room from dining area View of dining room from living area Master bedroom Double vanity in MBA 109 N Cove Lane PC (30) 109 N Cove Lane PC (32) 109 N Cove Lane PC (31) 109 N Cove Lane PC (4)a 109 N Cove Lane PC (1) 109 N Cove Lane PC (3)a 109 N Cove Lane PC (5)a 109 N Cove Lane PC (6)a 109 N Cove Lane PC (7)a

Property Description
TURN-KEY COVE HOME IS WAITING FOR YOU!! Lovingly cared for and clean as a whistle, this 1951 Florida cottage has been expanded to include a spacious living room, large master bedroom and master bathroom with dbl vanity and walk-in closet. The original bathroom has been updated. The original, gorgeous hardwood floors are still there. The new areas have engineered hardwood floors. Kit has lots of countertop space for food prep and lots of cabinets for storage. There is a gas stove top and 2 ovens for the chef of the house. All appliances convey which includes the refrigerator/freezer, washer and dryer, PLUS a stand alone freezer! A fabulous 30x16 screened porch where you can enjoy the outdoors, without the pests, was added to the home! Huge, beautifully treed backyard has plenty of room to enjoy the out of doors. Updates include all new PEX and PVC plumbing, updated Elec, dbl pane E-gas windows and new fans on the screened porch. Great value for a fabulous home. Age, lot size, room sizes, sq footage are estimates. Please measure if concerned.

Details
Maps
Listing Info, Tax and Legal
HOA Fee: No
New Buyer Fee: No
Last Taxes: 2382
Last Tax Year: 2024
Brokerage Interest: No Interest
Contract Info
List Price/SqFt: 201.45
Status: Active
List Date: 2025-10-09
List Price: $347,900
Current Price: $347,900
Location
Sub Area: 0203 - Bay - Central SW
Community/Resort: Bunkers Cove
Waterfront: No
Elementary School: Cherry Street
Middle School: Jinks
High School: Bay
Directions: South on Hwy 77, crossing Bus 98 into the Cove, turn Left on Cherry St, then turn Left on N Cove Lane. Home on Left.
Area: 02 - Bay County - Central
Street #: 109
Street Direction: N
Street Name: Cove
Street Suffix: Lane
State: FL
Zip Code: 32401
County: Bay
Subdivision: Cove Terrace 2nd Add
Parcel ID: 21909-000-000
Legal Description: COVE TERRACE 2ND ADD LOT 3 BLK 91 ORB 3952 P 954
General Property Info
Acreage: 0.24
Design: Florida Cottage
Lot Size (SqFt): 10500
Apx SqFt(Htd/Cooled): 1727
Construction Status: Construction Complete
SqFt Source: Agent Measured
Lot Dimensions: 75x140
New Construction: No
Garage Y/N: No
Driveway Spaces: 4
Pool: No
Sub-Type: Detached Single Family
Bedrooms: 4
Full Baths: 2
Total Baths: 2
Year Built: 1951
Remarks & Misc
Remarks: TURN-KEY COVE HOME IS WAITING FOR YOU!! Lovingly cared for and clean as a whistle, this 1951 Florida cottage has been expanded to include a spacious living room, large master bedroom and master bathroom with dbl vanity and walk-in closet. The original bathroom has been updated. The original, gorgeous hardwood floors are still there. The new areas have engineered hardwood floors. Kit has lots of countertop space for food prep and lots of cabinets for storage. There is a gas stove top and 2 ovens for the chef of the house. All appliances convey which includes the refrigerator/freezer, washer and dryer, PLUS a stand alone freezer! A fabulous 30x16 screened porch where you can enjoy the outdoors, without the pests, was added to the home! Huge, beautifully treed backyard has plenty of room to enjoy the out of doors. Updates include all new PEX and PVC plumbing, updated Elec, dbl pane E-gas windows and new fans on the screened porch. Great value for a fabulous home. Age, lot size, room sizes, sq footage are estimates. Please measure if concerned.
Dining Room
First: 1
Foyer
First: 1
Master Bathroom
First: 1
Screened Porch
First: 1
Utility Room
First: 1
Appliances
Cooktop - Gas: 1
Dishwasher: 1
Dryer: 1
Freezer: 1
Oven - Double: 1
Oven - Electric: 1
Refrigerator: 1
Washer: 1
Water Heater - Electric: 1
Interior Features
Floor - Hardwood: 1
Floor - Tile: 1
Floor - Vinyl Plank: 1
Split Bedroom: 1
Construction/Siding
Brick: 1
Foundation - Off Grade: 1
Roof - Composite Shngl: 1
Exterior
Double Pane Windows: 1
Fenced Back Yard: 1
Fenced Chain Link: 1
Fenced Privacy: 1
Porch Screened: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Partially: 1
Interior
Floor - Carpet: 1
Kitchen
First: 1
Living Room
First: 1
Lot Features
Subdivision - Recorded: 1
Within 1/2 Mile to Water: 1
Lot Access
Alley: 1
City Street: 1
Paved Road: 1
Parking Features
Circular Driveway: 1
Gravel: 1
No Garage: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Shower Only: 1
MBath Walk-In Closet: 1
MBed First Floor: 1
Present Zoning
Resid Single Family: 1
Rooms
Bedroom: 1
Dining Room: 1
Foyer: 1
Full Bathroom: 1
Kitchen: 1
Living Room: 1
Master Bathroom: 1
Master Bedroom: 1
Screened Porch: 1
Utility Room: 1
Utilities
Electricity - Connected: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Full Bathroom
First: 1
Master Bedroom
First: 1
Bedroom
First: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Electric: 1
Heating
Central: 1
Electric: 1
Security Features
Smoke Detector(s): 1
Property Features
Appliances: Cooktop - Gas; Dishwasher; Dryer; Freezer; Oven - Double; Oven - Electric; Refrigerator; Washer; Water Heater - Electric
Full Bathroom: First
Master Bedroom: First
Bedroom: First
Cooling: Ceiling Fan(s); Central Air; Electric
Heating: Central; Electric
Exterior: Double Pane Windows; Fenced Back Yard; Fenced Chain Link; Fenced Privacy; Porch Screened
Financing: Cash; Conventional; FHA; VA
Furnished: Partially
Interior: Floor - Carpet
Kitchen: First
Living Room: First
Lot Features: Subdivision - Recorded; Within 1/2 Mile to Water
Lot Access: Alley; City Street; Paved Road
Master Bathroom: First
Dining Room: First
Foyer: First
Security Features: Smoke Detector(s)
Screened Porch: First
Utility Room: First
Parking Features: Circular Driveway; Gravel; No Garage
Rooms: Bedroom; Dining Room; Foyer; Full Bathroom; Kitchen; Living Room; Master Bathroom; Master Bedroom; Screened Porch; Utility Room
Utilities: Electricity - Connected; Public Sewer - Connected; Public Water - Connected
Present Zoning: Resid Single Family
Room Information
Room Name Level Dimensions Length Width Dimensions
FoyerFirst11 x 411.004.0011 x 4
Living RoomFirst21 x 1721.0017.0021 x 17
Dining RoomFirst15 x 1215.0012.0015 x 12
KitchenFirst13 x 913.009.0013 x 9
Master BedroomFirst14 x 1314.0013.0014 x 13
Master BathroomFirst9 x 89.008.009 x 8
BedroomFirst11 x 1011.0010.0011 x 10
BedroomFirst13 x 1113.0011.0013 x 11
BedroomFirst11 x 911.009.0011 x 9
Full BathroomFirst7 x 57.005.007 x 5
Utility RoomFirst9 x 99.009.009 x 9
Screened PorchFirst30 x 1630.0016.0030 x 16

Listing Office: CENTURY 21 Commander Realty

Last Updated: January - 25 - 2026

Information deemed reliable but not guaranteed.