$249,000
Panama City, FL 32401
MLS# 782795
3 beds | 2 baths | 1094 sqft
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Property Description
Beautifully Updated 3-Bedroom Home Near Oakland Terrace Park - Owner Financing Available! Discover this charming and newly updated 3-bedroom, 2-bath home offering just under 1,100 sq. ft. of efficient, comfortable living space—perfect for first-time home buyers or anyone seeking a move-in-ready property in a prime location. This home has received numerous recent upgrades, including a new roof in 2019, new vinyl plank flooring, and all-new interior and exterior paint, giving it a fresh, modern, and inviting feel. The good-sized yard is ideal for relaxing, gardening, or entertaining, and the property also includes a detached building equipped with electrical—perfect for a future bonus room, studio, or workshop. Located in a highly desirable area, you'll love being within walking distance to Oakland Terrace Park, complete with basketball courts, tennis courts, baseball fields, and plenty of open space. Plus, you're only minutes from the beautiful and historic Downtown St. Andrews, known for its waterfront charm, local dining, shopping, and community events. An added bonus—the seller is offering owner financing, making this wonderful home even more accessible for qualified buyers. With its ideal location, modern upgrades, and flexible financing option, this home is a fantastic opportunity you won't want to miss!
Details
Maps
Contract Info
Status: Active
List Date: 2025-12-18
List Price: $249,000
List Price/SqFt: 227.61
Current Price: $249,000
Location
Area: 02 - Bay County - Central
Street #: 1607
Street Direction: W
Street Name: 13th
Street Suffix: Street
State: FL
Zip Code: 32401
County: Bay
Sub Area: 0203 - Bay - Central SW
Subdivision: Oakland Terrace Combs-Mathis Addition
Community/Resort: None
Waterfront: No
Parcel ID: 19203-000-000
Elementary School: Lucille Moore
Middle School: Jinks
High School: Bay
Directions: From Hwy 98/15th Street, go south on Lisenby Ave, turn right on 13th Street, home is located on the left.
Legal Description: OAKLAND TERRACE ORIG. E 37 1/2 OF LOT 7 LESS THE S 25' ALSO THE W 25' OF LOT 8 LESS THE S 25' BLK 5 ORB 4307 P 1109
General Property Info
Sub-Type: Detached Single Family
Design: Florida Cottage
Apx SqFt(Htd/Cooled): 1094
SqFt Source: Prop App Site
Bedrooms: 3
Full Baths: 2
Total Baths: 2
Year Built: 1960
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Covered Spaces: 1
Lot Dimensions: 62x118
Acreage: 0.17
Lot Size (SqFt): 7405
Pool: No
Property Features
Appliances: Dishwasher; Microwave; Range - Electric; Refrigerator
Master Bedroom: First
Bedroom: First
Cooling: Ceiling Fan(s); Central Air; Electric
Heating: Central; Electric
Exterior: Fenced Back Yard; Fenced Chain Link
Financing: Cash; Conventional; FHA; VA
Furnished: Unfurnished
Kitchen: First
Living Room: First
Lot Features: Interior Lot
Lot Access: Paved Road
Carport: First
Security Features: Smoke Detector(s)
Parking Features: Carport Attached; Driveway
Other Structures: Other
Rooms: Bedroom; Carport; Kitchen; Living Room; Master Bedroom
Sale Type: As Is
Utilities: Electricity - Connected; Public Sewer - Connected; Public Water - Connected
Present Zoning: Resid Single Family
Room Information
| Room Name | Level | Dimensions | Length | Width | Dimensions |
| Master Bedroom | First | 11 x 10 | 11.00 | 10.00 | 11 x 10 |
| Bedroom | First | 10 x 10 | 10.00 | 10.00 | 10 x 10 |
| Kitchen | First | 19 x 14 | 19.00 | 14.00 | 19 x 14 |
| Living Room | First | 14 x 10 | 14.00 | 10.00 | 14 x 10 |
| Carport | First | 16 x 10 | 16.00 | 10.00 | 16 x 10 |
Listing Office: Salty Marlin Realty LLC
Last Updated: January - 05 - 2026
Information deemed reliable but not guaranteed.