$895,000
Panama City, FL 32401
MLS# 790008
3 beds | 4 baths | 2321 sqft

1 / 45
Property Description
Positioned along the waterfront with sweeping views and an effortless sense of refinement, this exceptional luxury condominium offers a rare blend of sophisticated design, elevated comfort, and lock-and-leave convenience. Perfectly located adjacent to historic St. Andrews, owners can step beyond the gates and immediately immerse themselves in one of Bay County's most beloved waterfront districts. Enjoy walkable access to locally owned restaurants, cocktail lounges, live music, boutique shopping, weekend farmers markets, waterfront parks, and marina life -- all set against the charm and character that have made St. Andrews a destination for generations. From spontaneous sunset dinners and morning coffee walks to boating, fishing, and year-round community events, the lifestyle offered here extends far beyond the residence itself. Thoughtfully curated with an emphasis on timeless quality over trend, the residence showcases unparalleled finishes throughout, including authentic silver birch wood flooring, commercial-grade professional KitchenAid appliances, integrated Sonos surround sound, and beautifully tailored living spaces designed for both everyday comfort and elegant entertaining. Expansive walls of glass invite natural light across the main living areas while seamlessly connecting the interior to the oversized waterfront balcony -- an extension of the home itself. Complete with a built-in outdoor kitchen and gas grill, the balcony creates the perfect setting for sunset dinners, quiet mornings overlooking the water, or entertaining guests against a breathtaking coastal backdrop. Unlike many luxury waterfront residences, this home offers the ease and practicality of main-floor living, allowing effortless access for both owners and pets without the inconvenience of elevators or stairs becoming part of daily life. The primary suite and living spaces were designed to prioritize comfort, privacy, and understated elegance, creating an atmosphere that feels more akin to a private coastal retreat than a condominium. Residents enjoy access to resort-style amenities, including a heated pool maintained at approximately 80 degrees year-round, all while surrounded by one of the area's most exclusive waterfront settings. (HOA Dues include the following: Gas, Cable, Internet, Common area dues, Residential area dues, water, sewer, garbage, pest control.) This is a residence for the buyer who values craftsmanship, discretion, and lifestyle equally -- a rare opportunity to own a truly distinguished waterfront property where luxury speaks quietly, yet unmistakably.
Details
Maps
Contract Info
List Price/SqFt: 385.61
Status: Active
List Date: 2026-05-15
List Price: $895,000
Current Price: $895,000
Location
Unit #: 213
Sub Area: 0203 - Bay - Central SW
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Elementary School: Lucille Moore
Middle School: Jinks
High School: Bay
Directions: From Highway 98 East, turn right onto Beck Ave. Take Beck Ave to the end then turn right on W 10th St. Building is on left through gate.
Area: 02 - Bay County - Central
Street #: 3001
Street Direction: W
Street Name: 10th
Street Suffix: Street
State: FL
Zip Code: 32401
County: Bay
Subdivision: Harbour Village At Historic St Andrews
Parcel ID: 29571-300-014
Legal Description: 3BR/3.5BA ORB 4794 P 757 SQFT TOTAL . 2321 H/C sqft
General Property Info
Floor Number: 2
Design: Mid-Rise (4-7 floors)
Apx SqFt(Htd/Cooled): 2321
Immediate Occupancy: No
Construction Status: Construction Complete
SqFt Source: Prop App Site
Balcony SqFt: 348
Half Baths: 1
# of Stories in Building: 7
Pre-Const Flip: No
Lot Dimensions: Condominium
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Covered Spaces: 2
Pool: Yes
Pool Type: Community
Sub-Type: Condominium
Bedrooms: 3
Full Baths: 3
Total Baths: 4
Year Built: 2006
Listing Info, Tax and Legal
Homestead: Yes
HOA Fee: Yes
HOA Amount: 4700
HOA Frequency: Quarterly
HOA Annual Amount: 18800
New Buyer Fee: No
Brokerage Interest: Owner Outside Licensee - Owner is a licensed real estate broker or salesperson.
As Is: Yes
Condo Doc: Yes
Remarks & Misc
Remarks: Positioned along the waterfront with sweeping views and an effortless sense of refinement, this exceptional luxury condominium offers a rare blend of sophisticated design, elevated comfort, and lock-and-leave convenience.
Perfectly located adjacent to historic St. Andrews, owners can step beyond the gates and immediately immerse themselves in one of Bay County's most beloved waterfront districts. Enjoy walkable access to locally owned restaurants, cocktail lounges, live music, boutique shopping, weekend farmers markets, waterfront parks, and marina life -- all set against the charm and character that have made St. Andrews a destination for generations. From spontaneous sunset dinners and morning coffee walks to boating, fishing, and year-round community events, the lifestyle offered here extends far beyond the residence itself.
Thoughtfully curated with an emphasis on timeless quality over trend, the residence showcases unparalleled finishes throughout, including authentic silver birch wood flooring, commercial-grade professional KitchenAid appliances, integrated Sonos surround sound, and beautifully tailored living spaces designed for both everyday comfort and elegant entertaining.
Expansive walls of glass invite natural light across the main living areas while seamlessly connecting the interior to the oversized waterfront balcony -- an extension of the home itself. Complete with a built-in outdoor kitchen and gas grill, the balcony creates the perfect setting for sunset dinners, quiet mornings overlooking the water, or entertaining guests against a breathtaking coastal backdrop.
Unlike many luxury waterfront residences, this home offers the ease and practicality of main-floor living, allowing effortless access for both owners and pets without the inconvenience of elevators or stairs becoming part of daily life.
The primary suite and living spaces were designed to prioritize comfort, privacy, and understated elegance, creating an atmosphere that feels more akin to a private coastal retreat than a condominium.
Residents enjoy access to resort-style amenities, including a heated pool maintained at approximately 80 degrees year-round, all while surrounded by one of the area's most exclusive waterfront settings. (HOA Dues include the following: Gas, Cable, Internet, Common area dues, Residential area dues, water, sewer, garbage, pest control.)
This is a residence for the buyer who values craftsmanship, discretion, and lifestyle equally -- a rare opportunity to own a truly distinguished waterfront property where luxury speaks quietly, yet unmistakably.
Balcony
Second: 1
Pool Features
Heated - Electric: 1
Inground: 1
Appliances
Cooktop - Gas: 1
Dishwasher: 1
Dryer: 1
Microwave: 1
Oven - Gas: 1
Range - Gas: 1
Refrigerator: 1
Exterior
Balcony: 1
Built-in Barbecue/Grill: 1
Deck Covered: 1
Summer Kitchen: 1
Waterfront Feature
Dock: 1
RiparianRights: 1
Shore - Seawall: 1
Association Fees Include
Community Room: 1
Exercise Room: 1
Gas: 1
Gated Community: 1
Internet Service: 1
Pool: 1
Sewer: 1
TV Cable: 1
Water: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Unfurnished: 1
Kitchen
Second: 1
Living Room
Second: 1
Lot Features
Deeded Access Water: 1
Waterfront: 1
Lot Access
Gated Access: 1
Parking Features
Parking Garage: 1
Present Zoning
Resid Multi-Family: 1
Association Amenities
BBQ Pit/Grill: 1
Beach: 1
Boardwalk: 1
Community Room: 1
Conference Center: 1
Dock: 1
Dumpster: 1
Exercise Room: 1
Fishing: 1
Gated Community: 1
Pavilion/Gazebo: 1
Pool: 1
Waterfront: 1
Boat Slip: 1
Sidewalks: 1
Rooms
Balcony: 1
Kitchen: 1
Living Room: 1
Utilities
Cable - Available: 1
TV Cable: 1
Electricity - Connected: 1
Electricity - Availabile: 1
Garbage: 1
Natural Gas - Available: 1
Natural Gas - Connected: 1
Internet - Broadband Available: 1
Public Sewer - Connected: 1
Sewer Available: 1
Public Water - Available: 1
Public Water - Connected: 1
Waterview
Bay: 1
Sale Type
As Is: 1
Waterfront Type
Bay/Harbor: 1
Cooling
Central Air: 1
Heating
Central: 1
Security Features
Gated Community: 1
Property Features
Appliances: Cooktop - Gas; Dishwasher; Dryer; Microwave; Oven - Gas; Range - Gas; Refrigerator
Cooling: Central Air
Heating: Central
Exterior: Balcony; Built-in Barbecue/Grill; Deck Covered; Summer Kitchen
Association Fees Include: TV Cable; Community Room; Exercise Room; Gas; Gated Community; Internet Service; Pool; Sewer; Water
Financing: Cash; Conventional; FHA; VA
Furnished: Unfurnished
Kitchen: Second
Living Room: Second
Lot Features: Deeded Access Water; Waterfront
Lot Access: Gated Access
Balcony: Second
Pool Features: Heated - Electric; Inground
Security Features: Gated Community
Parking Features: Parking Garage
Association Amenities: BBQ Pit/Grill; Beach; Boardwalk; Boat Slip; Community Room; Dock; Dumpster; Fishing; Exercise Room; Gated Community; Conference Center; Pavilion/Gazebo; Pool; Sidewalks; Waterfront
Rooms: Balcony; Kitchen; Living Room
Sale Type: As Is
Utilities: Cable - Available; TV Cable; Electricity - Availabile; Electricity - Connected; Garbage; Internet - Broadband Available; Natural Gas - Available; Natural Gas - Connected; Sewer Available; Public Sewer - Connected; Public Water - Available; Public Water - Connected
Waterfront Type: Bay/Harbor
Waterfront Feature: Dock; RiparianRights; Shore - Seawall
Waterview: Bay
Present Zoning: Resid Multi-Family
Room Information
| Room Name | Level | Dimensions | Length | Width | Remarks |
| Balcony | Second | 30 x 13 | 30.00 | 13.00 | approximate |
| Living Room | Second | 20 x 20 | 20.00 | 20.00 | approximate |
| Kitchen | Second | 15 x 10 | 15.00 | 10.00 | approximate |
Listing Office: Counts Real Estate Group
Last Updated: May - 18 - 2026
Information deemed reliable but not guaranteed.
