$499,000
Panama City, FL 32401
MLS# 786789
5 beds | 3 baths | 2400 sqft

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Property Description
Welcome to this timeless Florida cottage nestled in the heart of St. Andrews, one of Panama City's most desirable and walkable neighborhoods. Surrounded by mature landscaping and moss-draped oak trees, this spacious 5-bedroom, 3-bath home blends classic charm with thoughtful modern updates. Current Airbnb revenue is approximately $50,000 for 9 months of bookings. Inside, you'll find hardwood floors throughout and an updated open-concept kitchen featuring granite countertops, tasteful cabinetry, and stainless steel appliances, creating the perfect space for everyday living and entertaining. The updated primary bathroom offers a walk-in tiled shower, adding comfort and style to the private retreat. Step outside to enjoy the large fenced backyard, complete with a privacy fence and plenty of room for entertaining, gatherings, or relaxing under the shade of mature trees. The home's generous and flexible floor plan offers multiple living spaces and well-sized bedrooms, making it ideal for large households, hosting guests, or maximizing rental potential. Whether you're looking for a primary residence, second home, or income-producing property, this home checks all the boxes. Short-term rentals are allowed, presenting an excellent opportunity for investors to capitalize on the area's strong demand. Located just minutes from popular dining, marinas, waterfront parks, and entertainment, you'll enjoy everything the charming St. Andrews district has to offer, along with convenient access to downtown Panama City and the beautiful Gulf Coast beaches. Don't miss this rare opportunity to own a versatile property in one of Panama City's most sought-after coastal communities.
Details
Maps
Contract Info
List Price/SqFt: 207.92
Status: Active
List Date: 2026-03-13
List Price: $499,000
Current Price: $499,000
Location
Sub Area: 0203 - Bay - Central SW
Community/Resort: None
Waterfront: No
Elementary School: Lucille Moore
Middle School: Jinks
High School: Bay
Directions: From US-98E, turn right onto Michigan Ave, then right onto W 17th St. Home will be on the right.
Area: 02 - Bay County - Central
Street #: 3710
Street Direction: W
Street Name: 17th
Street Suffix: Street
State: FL
Zip Code: 32401
County: Bay
Subdivision: [No Recorded Subdiv]
Parcel ID: 28403-000-000
Legal Description: BAYVIEW ADD LOTS 14,15 & W1/2 LOT 13 ORB 4479 P 1216 BLK 26
General Property Info
Acreage: 0.18
Design: Florida Cottage
Lot Size (SqFt): 7884
Apx SqFt(Htd/Cooled): 2400
Construction Status: Construction Complete
SqFt Source: Owner Measured
# of Stories in Building: 1
Lot Dimensions: 60 x 132
New Construction: No
Garage Y/N: No
Pool: No
Sub-Type: Detached Single Family
Bedrooms: 5
Full Baths: 3
Total Baths: 3
Year Built: 1941
Listing Info, Tax and Legal
HOA Fee: No
New Buyer Fee: No
Last Taxes: 6732
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Remarks & Misc
Remarks: Welcome to this timeless Florida cottage nestled in the heart of St. Andrews, one of Panama City's most desirable and walkable neighborhoods. Surrounded by mature landscaping and moss-draped oak trees, this spacious 5-bedroom, 3-bath home blends classic charm with thoughtful modern updates. Current Airbnb revenue is approximately $50,000 for 9 months of bookings.
Inside, you'll find hardwood floors throughout and an updated open-concept kitchen featuring granite countertops, tasteful cabinetry, and stainless steel appliances, creating the perfect space for everyday living and entertaining. The updated primary bathroom offers a walk-in tiled shower, adding comfort and style to the private retreat.
Step outside to enjoy the large fenced backyard, complete with a privacy fence and plenty of room for entertaining, gatherings, or relaxing under the shade of mature trees.
The home's generous and flexible floor plan offers multiple living spaces and well-sized bedrooms, making it ideal for large households, hosting guests, or maximizing rental potential.
Whether you're looking for a primary residence, second home, or income-producing property, this home checks all the boxes. Short-term rentals are allowed, presenting an excellent opportunity for investors to capitalize on the area's strong demand.
Located just minutes from popular dining, marinas, waterfront parks, and entertainment, you'll enjoy everything the charming St. Andrews district has to offer, along with convenient access to downtown Panama City and the beautiful Gulf Coast beaches.
Don't miss this rare opportunity to own a versatile property in one of Panama City's most sought-after coastal communities.
Dining Room
First: 1
Family Room
First: 1
Appliances
Cooktop - Gas: 1
Dishwasher: 1
Microwave: 1
Range - Gas: 1
Refrigerator: 1
Water Heater - Gas: 1
Interior Features
Breakfast Bar: 1
Floor - Tile: 1
Floor - Vinyl Plank: 1
Exterior
Fenced Lot-Part: 1
Porch Covered: 1
Other Structures
Shed(s): 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Furnished: 1
Kitchen
First: 1
Living Room
First: 1
Lot Access
Paved Road: 1
Parking Features
Driveway: 1
Mstr Bath / Mstr Bdrm
MBed First Floor: 1
Present Zoning
Resid Single Family: 1
Rooms
Bedroom: 1
Dining Room: 1
Family Room: 1
Kitchen: 1
Living Room: 1
Master Bedroom: 1
Showing
ShowingTime: 1
Utilities
Electricity - Connected: 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
Property Features
Appliances: Cooktop - Gas; Dishwasher; Microwave; Range - Gas; Refrigerator; Water Heater - Gas
Master Bedroom: First
Bedroom: First
Cooling: Ceiling Fan(s); Central Air
Exterior: Fenced Lot-Part; Porch Covered
Financing: Cash; Conventional; FHA; VA
Furnished: Furnished
Kitchen: First
Living Room: First
Lot Access: Paved Road
Dining Room: First
Family Room: First
Parking Features: Driveway
Other Structures: Shed(s)
Rooms: Bedroom; Dining Room; Family Room; Kitchen; Living Room; Master Bedroom
Sale Type: As Is
Showing: ShowingTime
Utilities: Electricity - Connected; Public Sewer - Connected; Public Water - Connected
Present Zoning: Resid Single Family
Room Information
| Room Name | Level | Dimensions | Length | Width | Remarks |
| Family Room | First | 15.5 x 18.7 | 15.50 | 18.70 | |
| Master Bedroom | First | 11.8 x 18.1 | 11.80 | 18.10 | |
| Bedroom | First | 20.8 x 12 | 20.80 | 12.00 | |
| Kitchen | First | 10.6 x 12 | 10.60 | 12.00 | |
| Dining Room | First | 6.1 x 12 | 6.10 | 12.00 | Dining Area |
| Living Room | First | 13 x 17.8 | 13.00 | 17.80 | |
| Bedroom | First | 8.11 x 10 | 8.11 | 10.00 | |
| Bedroom | First | 9.6 x 11.3 | 9.60 | 11.30 | |
| Bedroom | First | 9.6 x 13.1 | 9.60 | 13.10 |
Listing Office: Keller Williams Success Realty
Last Updated: May - 08 - 2026
Information deemed reliable but not guaranteed.
