232 Middleburg Drive, Panama City Beach, FL 32413 (MLS# 788660)

List Price/SqFt: 263.82

Status: Active

List Date: 2026-04-21

List Price: $525,000

Current Price: $525,000

Sub Area: 0321 - Beach - North Central

Community/Resort: None

Waterfront: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: West on Panama City Beach Parkway, travel past Pier Park and turn right onto Pier Park Drive. Turn right onto Brunswick Blvd. into Palmetto Trace. Turn right onto Middleburg Drive. Home is on the left.

Area: 03 - Bay County - Beach

Street #: 232

Street Name: Middleburg

Street Suffix: Drive

State: FL

Zip Code: 32413

County: Bay

Subdivision: Palmetto Trace Phase IV

Parcel ID: 32738-980-233

Legal Description: PALMETTO TRACE PHASE IV LOT 318 ORB 4128 P 1967

Acreage: 0.2

Design: Contemporary

Lot Size (SqFt): 8712

Apx SqFt(Htd/Cooled): 1990

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 65 x 130

New Construction: No

Garage Y/N: No

Pool: Yes

Pool Type: Community

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 2006

HOA Fee: Yes

HOA Amount: 249

HOA Frequency: Quarterly

HOA Annual Amount: 996

New Buyer Fee: Yes

New Buyer Fee Amt: 0.5

New Buyer Fee Paid: %

Last Taxes: 4852

Last Tax Year: 2025

Brokerage Interest: No Interest

As Is: Yes

Remarks: Palmetto Trace w/ community pool! Located in the highly sought-after Palmetto Trace community, this 3-bedroom, 2-bath home puts you right in the center of Panama City Beach--just minutes from Pier Park, Frank Brown Park, and the beach. Inside, you'll find a functional split floor plan with an open living space, vaulted ceilings, and plenty of natural light. The kitchen flows easily into the main living and dining areas, making it practical for everyday living and easy to entertain when needed. Fresh interior paint gives the home a clean, updated feel. The primary suite is set apart from the secondary bedrooms and offers good space, a walk-in closet, and a private bath with double vanities. On the opposite side of the home, two additional bedrooms and a full bath provide flexibility for guests, family, or a home office. Out back, enjoy a screened-in patio that gives you that indoor-outdoor living buyers want, along with a fenced yard that's easy to maintain. With a roof replaced in 2023 and access to two community pools, this home checks the boxes for both comfort and peace of mind. Palmetto Trace is golf cart-friendly, with sidewalks throughout, making it easy to get around and enjoy everything nearby. You're just minutes from Pier Park, with quick access to shopping, dining, nightlife, and entertainment, including local favorites, beach access, and Topgolf. If you're looking for location, convenience, and a solid home in a strong price range, this one is worth a look. Schedule your showing today.

First: 1

First: 1

Inground: 1

Dishwasher: 1

Disposal: 1

Microwave: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Roof - Composite Shngl: 1

Siding - Stucco: 1

Fenced Back Yard: 1

Patio Enclosed: 1

Porch Screened: 1

Ground Keeping: 1

Management: 1

Pool: 1

Trash Disposal: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Unfurnished: 1

First: 1

Covenants & Rescrictions: 1

Sidewalk: 1

Within 1/2 Mile to Water: 1

Paved Road: 1

Garage Attached: 1

MBath Double Vanity: 1

MBath Shower Only: 1

MBath Walk-In Closet: 1

MBed First Floor: 1

Resid Single Family: 1

Pool: 1

Bedroom: 1

Dining Room: 1

Great Room: 1

Kitchen: 1

Master Bedroom: 1

ShowingTime: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Underground Utilities: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Central: 1

Electric: 1