$629,500
Panama City Beach, FL 32413
MLS# 786986
5 beds | 3 baths | 2494 sqft

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Property Description
JUST REDUCED AND SELLER IS OFFERING $5000 INCENTIVE TO BUYER AT CLOSING WITH AN ACCEPTABLE OFFER! Spacious Panama City Beach Home with Private Entrance Mother-In-Law Suite/Apartment - just minutes to the Beach and the new Tallahassee Memorial Hospital! Centrally located in the heart of Panama City Beach, this inviting home offers flexible living space, thoughtful updates, and outdoor features designed for everyday enjoyment. Just 1/8 mile to the beach, five minutes to the new hospital, ten minutes to Pier Park and just 20 minutes to the International Airport, the home is also nestled in a neighborhood known for its great location to shopping, dining, neighbors, nearby park, and festive seasonal decorations that make it especially enjoyable for families. A standout feature is the private attached mother-in-law suite/apartment with its own separate entrance, offering a bedroom, private bathroom, huge walk-in closet, and additional living/bonus space. This layout provides excellent flexibility for extended family, guests, a private workspace, or a quiet retreat. A centrally located home office, craft room/bonus room adds even more versatility. The main home features an open floor plan with granite countertops, updated cabinetry, Luxury Vinyl Plank and tile flooring, all completed during the 2017 renovation. Additional updates include new garage doors and a metal roof replaced in 2017. Important system updates include two separate AC units (front and back zones), with duct work added to the mother-in-law suite/apartment. Units were replaced in 2017 and 2018. Interior updates in 2017 also included tubs, tile, carpet, and the mother-in-law suite/apartment bathroom. Outdoor features add even more appeal with a pergola-covered area perfect for relaxing or entertaining, added backyard sidewalks, a widened driveway, and a privacy fence installed in 2022. The property also includes a two-car garage and wiring already installed for security cameras (just add your own hard drive). This home has been well loved and well lived in, filled with years of family memories. Even more reassuring for buyers in the area, the property has experienced no flooding and no homeowners insurance claims. This is a phenomenal property with so many options! It can be a primary residence with an income producing apartment or short term rental, especially with the new hospital so close and the bonus room/office space could allow you to work from home! There are endless possibilities! Don't miss this opportunity!
Details
Maps
Listing Info, Tax and Legal
HOA Fee: No
New Buyer Fee: No
Last Taxes: 2498
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Contract Info
List Price/SqFt: 252.41
Status: Active
List Date: 2026-03-18
List Price: $629,500
Current Price: $629,500
Location
Sub Area: 0322 - Beach - North West
Community/Resort: None
Waterfront: No
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: Traveling west on Panama City Beach Parkway, take a right onto Armstrong Circle. The house will be on your left.
Area: 03 - Bay County - Beach
Street #: 201
Street Name: Armstrong
Street Suffix: Circle
State: FL
Zip Code: 32413
County: Bay
Subdivision: Gulf Highlands Unit-2
Parcel ID: 33077-000-000
Legal Description: GULF HIGHLANDS UNIT # 2 LOT 3 BLK 2 ORB 3837 P 2003 P 180
General Property Info
Acreage: 0.17
Design: Beach House
Lot Size (SqFt): 7320
Apx SqFt(Htd/Cooled): 2494
Construction Status: Construction Complete
SqFt Source: Agent Measured
# of Stories in Building: 1
Lot Dimensions: 61x120
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Pool: No
Sub-Type: Detached Single Family
Bedrooms: 5
Full Baths: 3
Total Baths: 3
Year Built: 1978
Remarks & Misc
Remarks: JUST REDUCED AND SELLER IS OFFERING $5000 INCENTIVE TO BUYER AT CLOSING WITH AN ACCEPTABLE OFFER! Spacious Panama City Beach Home with Private Entrance Mother-In-Law Suite/Apartment - just minutes to the Beach and the new Tallahassee Memorial Hospital!
Centrally located in the heart of Panama City Beach, this inviting home offers flexible living space, thoughtful updates, and outdoor features designed for everyday enjoyment. Just 1/8 mile to the beach, five minutes to the new hospital, ten minutes to Pier Park and just 20 minutes to the International Airport, the home is also nestled in a neighborhood known for its great location to shopping, dining, neighbors, nearby park, and festive seasonal decorations that make it especially enjoyable for families.
A standout feature is the private attached mother-in-law suite/apartment with its own separate entrance, offering a bedroom, private bathroom, huge walk-in closet, and additional living/bonus space. This layout provides excellent flexibility for extended family, guests, a private workspace, or a quiet retreat. A centrally located home office, craft room/bonus room adds even more versatility.
The main home features an open floor plan with granite countertops, updated cabinetry, Luxury Vinyl Plank and tile flooring, all completed during the 2017 renovation. Additional updates include new garage doors and a metal roof replaced in 2017.
Important system updates include two separate AC units (front and back zones), with duct work added to the mother-in-law suite/apartment. Units were replaced in 2017 and 2018. Interior updates in 2017 also included tubs, tile, carpet, and the mother-in-law suite/apartment bathroom.
Outdoor features add even more appeal with a pergola-covered area perfect for relaxing or entertaining, added backyard sidewalks, a widened driveway, and a privacy fence installed in 2022. The property also includes a two-car garage and wiring already installed for security cameras (just add your own hard drive).
This home has been well loved and well lived in, filled with years of family memories. Even more reassuring for buyers in the area, the property has experienced no flooding and no homeowners insurance claims.
This is a phenomenal property with so many options! It can be a primary residence with an income producing apartment or short term rental, especially with the new hospital so close and the bonus room/office space could allow you to work from home! There are endless possibilities! Don't miss this opportunity!
Bonus Room
First: 1
Separate Apartment
First: 1
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
Microwave: 1
Oven - Electric: 1
Refrigerator: 1
Washer: 1
Water Heater - Electric: 1
Interior Features
Ceiling - Crwn Molding: 1
Ceiling - Raised: 1
Converted Garage: 1
Fireplace: 1
Floor - Vinyl: 1
Guest Quarters: 1
Kitchen Island: 1
Lighting - Recessed: 1
Lock Out Unit: 1
Construction/Siding
Brick: 1
Roof - Metal: 1
Exterior
Fenced Privacy: 1
Patio Open: 1
Porch Covered: 1
Other Structures
Pergola: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Unfurnished: 1
Interior
Bonus Room: 1
Floor - Carpet: 1
Living Room
First: 1
Lot Features
Corner Lot: 1
Interior Lot: 1
Near Beach Access: 1
Near Public Boat Ramp: 1
Within 1/2 Mile to Water: 1
Lot Access
Paved Road: 1
Parking Features
Driveway: 1
Garage Attached: 1
Mstr Bath / Mstr Bdrm
MBed First Floor: 1
MBath Shower/Tub Combo: 1
Present Zoning
Resid Single Family: 1
Rooms
Bedroom: 1
Bonus Room: 1
Living Room: 1
Master Bedroom: 1
Separate Apartment: 1
Utilities
TV Cable: 1
Electricity - Connected: 1
Garbage: 1
Internet - Broadband Available: 1
Phone - Available: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Sale Type
As Is: 1
Master Bedroom
First: 1
Bedroom
First: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Heating
Central: 1
Fireplace - Wood Burning: 1
Property Features
Appliances: Dishwasher; Disposal; Dryer; Microwave; Oven - Electric; Refrigerator; Washer; Water Heater - Electric
Master Bedroom: First
Bedroom: First
Cooling: Ceiling Fan(s); Central Air
Heating: Central; Fireplace - Wood Burning
Exterior: Fenced Privacy; Patio Open; Porch Covered
Financing: Cash; Conventional; FHA; VA
Furnished: Unfurnished
Interior: Bonus Room; Floor - Carpet
Living Room: First
Lot Features: Corner Lot; Interior Lot; Near Beach Access; Near Public Boat Ramp; Within 1/2 Mile to Water
Lot Access: Paved Road
Bonus Room: First
Separate Apartment: First
Parking Features: Driveway; Garage Attached
Other Structures: Pergola
Rooms: Bedroom; Bonus Room; Living Room; Master Bedroom; Separate Apartment
Sale Type: As Is
Utilities: TV Cable; Electricity - Connected; Garbage; Internet - Broadband Available; Phone - Available; Public Sewer - Connected; Public Water - Connected
Present Zoning: Resid Single Family
Room Information
| Room Name | Level | Dimensions | Length | Width | Remarks |
| Living Room | First | 30 x 30 | 30.00 | 30.00 | Living, Kitchen, Dining - Buyer to verify |
| Master Bedroom | First | 11 x 10 | 11.00 | 10.00 | Buyer to verify |
| Bedroom | First | 10 x 10 | 10.00 | 10.00 | Buyer to verify |
| Bedroom | First | 10 x 10 | 10.00 | 10.00 | Buyer to verify |
| Bonus Room | First | 11 x 7 | 11.00 | 7.00 | Buyer to verify |
| Separate Apartment | First | 0 x 0 | 0.00 | 0.00 | Approx 1000 sq feet - Buyer to verify |
Listing Office: Carillon Realty Inc
Last Updated: May - 05 - 2026
Information deemed reliable but not guaranteed.
