113 Cindy Lane, Panama City Beach, FL 32407 (MLS# 785566)

HOA Fee: Yes

HOA Amount: 1122.24

HOA Frequency: Quarterly

HOA Annual Amount: 4488.96

New Buyer Fee: Yes

Last Taxes: 3615

Last Tax Year: 2025

Brokerage Interest: No Interest

As Is: Yes

List Price/SqFt: 282.82

Status: Under Contract - Taking Backups

List Date: 2026-02-20

List Price: $274,900

Current Price: $274,900

Sub Area: 0320 - Beach - Middle Central

Community/Resort: Gulf Highlands Beach Resort/Condos

Waterfront: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: From Shipwreck Island head East on Middle Beach Rd (Hutchison Blvd) about 1 mile, Gulf Highlands entrance is on the South side, turn into Gulf Highlands, take 1st right after guard shack and 113 Cindy Ln is across from shuffleboard courts.

Area: 03 - Bay County - Beach

Street #: 113

Street Name: Cindy

Street Suffix: Lane

State: FL

Zip Code: 32407

County: Bay

Subdivision: Gulf Highlands Beach Resort

Parcel ID: 34797-101-006

Legal Description: GULF HIGHLANDS BEACH RESORT UNRECORDED LOT 28 BLK D ORB 4496 P 182

Design: Townhome

Apx SqFt(Htd/Cooled): 972

Construction Status: Construction Complete

SqFt Source: Prop App Site

Balcony SqFt: 144

Half Baths: 1

# of Stories in Building: 2

Lot Dimensions: 19 x 38

New Construction: No

Garage Y/N: No

Pool: Yes

Pool Type: Community

Sub-Type: Attached Single Unit

Bedrooms: 2

Full Baths: 1

Total Baths: 2

Year Built: 1985

Remarks: *CURRENTLY UNDER CONTRACT, SELLER ACCEPTING BACKUP OFFERS* New Roof. New Water Heater. Heated Pool Right Out Front. And the Beach Across the Street. Welcome to 113 Cindy Lane -- where the upgrades are done and the lifestyle is turnkey. This 2BR/1.5BA end-unit in Gulf Highlands checks all the smart-buyer boxes: > Brand NEW Roof (2025) > Brand NEW Water Heater (2025) > Updated Fire Safety System (2025) > Remodeled heated pool directly in front of the unit (one of the very few heated pools in Gulf Highlands) > Insurance recently reduced to approximately $3,400 (building) + $600 (flood) That's peace of mind you can feel -- and savings you can appreciate. Skip the elevators and crowded garages. Here, you park at your front door, grab your flip-flops (or golf cart keys), and head toward the sugar-white sand just across the street. Your dedicated golf cart parking spot makes beach runs a breeze. Inside, you'll love the solid surface flooring throughout, coastal décor, and turnkey furnishings -- ready for immediate enjoyment as a second home or income-producing rental. And Gulf Highlands? It's one of the most amenity-rich communities in Panama City Beach: • 11 pools (5 heated) • Private Gulf-front beach clubhouse with pool & snack bar • Tennis, pickleball, shuffleboard • Mini golf, playground, fitness center • Onsite dining at The Beach House You're also minutes to grocery stores, shopping, and some of PCB's favorite local spots. This isn't just another beach condo. It's an upgraded, low-maintenance, income-friendly coastal retreat with smart improvements already handled. Easy to show. Easy to love.

Inground: 1

Dishwasher: 1

Dryer: 1

Range - Gas: 1

Refrigerator: 1

Washer: 1

Water Heater - Gas: 1

Floor - Tile: 1

Foundation - Slab on Grade: 1

Roof - Composite Shngl: 1

Siding - Stucco: 1

Balcony: 1

Patio Covered: 1

Community Room: 1

Dumpster: 1

Exercise Room: 1

Gated Community: 1

Mini Golf: 1

Playground: 1

Tennis: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Furnished: 1

Additional Parking: 1

Assigned: 1

City: 1

Boardwalk: 1

Community Room: 1

Dumpster: 1

Gated Community: 1

Mini Golf: 1

Pool: 1

Tennis: 1

Pickle Ball: 1

Bedroom: 1

Master Bedroom: 1

Electricity - Connected: 1

Natural Gas - Connected: 1

Public Sewer - Connected: 1

As Is: 1

Second: 1

Second: 1

Central Air: 1

Electric: 1

Gas: 1

Central: 1

Electric: 1

Gated Community: 1

Gated with Guard: 1

Under Contract Date: 2026-04-29