4109 Ocean Street, Panama City, FL 32408 (MLS# 782332)

Homestead: Yes

HOA Fee: No

New Buyer Fee: No

Last Taxes: 5446

Last Tax Year: 2024

Brokerage Interest: No Interest

As Is: Yes

List Price/SqFt: 529.38

Status: Active

List Date: 2025-12-04

List Price: $847,000

Current Price: $847,000

Sub Area: 0323 - Beach - South of Grand Lagoon

Community/Resort: None

Waterfront: No

Elementary School: Patronis

Middle School: Surfside

High School: Arnold

Directions: From Panama City, take US-98 W over the Hathaway Bridge toward Panama City Beach. Continue on US-98 (Back Beach Rd). Turn left onto Hwy 79 (Arnold Rd) toward the beach. Turn right onto Front Beach Rd and continue west. Turn right onto Lullwater Dr, then left onto Ocean St. Property will be on the right at 24109 Ocean St.

Area: 03 - Bay County - Beach

Street #: 4109

Street Name: Ocean

Street Suffix: Street

State: FL

Zip Code: 32408

County: Bay

Subdivision: [No Recorded Subdiv]

Parcel ID: 30388-000-000

Legal Description: COTTAGES ON OCEAN SUB UNIT 4 FORMERLY KWN AS FOLLOWING DESC BEL AIR COM AT NLY COR LOT 1 SWLY 90' FOR POB TH SELY 100' TO SELY LINE LOT 2 SWLY 30' TO SLY COR LOT 2 NWLY 100' TO WLY COR LOT 1 NELY 30' TO POB BEING PART OF LOTS 1 & 2 BLK 15 AKA PCL #4 ORB 4542 P 234

Acreage: 0.07

Design: Beach House

Lot Size (SqFt): 2962

Apx SqFt(Htd/Cooled): 1600

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 100X30

New Construction: No

Garage Y/N: Yes

Garage Spaces: 1

Driveway Spaces: 2

Pool: Yes

Pool Type: Private

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 2003

Remarks: Welcome to your slice of true coastal paradise just steps from the sugar-white sand and iconic Emerald-green waters, with no main roads to cross, no HOA restrictions, and your very own private pool. This beautifully remodeled beach home offers the rare combination of walkable Gulf access, beach views, and true resort-style living, making it an exceptional opportunity as a full-time residence, second home, or income-producing coastal retreat. Perfectly positioned near the newly renovated Tootsies, you will enjoy easy access to dining, entertainment, and the heart of the beach lifestyle. The private backyard oasis with pool is the undeniable showstopper, creating the perfect setting for relaxing, entertaining, and maximizing rental appeal. After a long day at the beach, rinse off in the 10-foot private outdoor shower, conveniently located just off the downstairs porch. The combination of a private pool and effortless walkability to the beach is a rare luxury and one of the most in-demand features along the coast. Inside, the home blends coastal charm with modern comfort, featuring hardwood flooring throughout, Silver Pearl granite countertops, stainless steel appliances, and a sleek touch-activated kitchen faucet. The electric fireplace, easily activated by switch, anchors the main living space and creates a warm, inviting atmosphere for laid-back coastal evenings. Outdoor living continues with two private balconies located off the Great Room and the Primary Suite, offering beach views and fresh Gulf breezes. The private porch off the downstairs bedroom flows seamlessly into the pool and outdoor shower area, making indoor-outdoor living effortless and ideal for entertaining. The garage has been converted into a spacious game room, adding exceptional recreational value and elevating the home's rental potential while still functioning beautifully for everyday living. With no HOA, strong walkability, dining and nightlife nearby, a private pool, and multiple outdoor living spaces, this property delivers the freedom, flexibility, and coastal lifestyle buyers are searching for. Spring season is right around the corner, and homes with a private pool, beach access, and no HOA do not last. Grab this one before peak demand hits and secure your place in one of the most desirable coastal locations available.

Fenced: 1

Gunite Concrete: 1

Inground: 1

Cooktop - Electric: 1

Dishwasher: 1

Disposal: 1

Dryer: 1

Microwave: 1

Range - Electric: 1

Washer: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Ceiling - Beamed: 1

Ceiling - Crwn Molding: 1

Fireplace: 1

Floor - Hardwood: 1

Floor - Tile: 1

Lighting - Recessed: 1

Lighting - Track: 1

Lock Out Closet: 1

Split Bedroom: 1

Stairs: 1

Window - Bay: 1

Foundation - Slab on Grade: 1

Roof - Metal: 1

Siding - Stucco: 1

Balcony: 1

Deck Covered: 1

Double Pane Windows: 1

Fenced Back Yard: 1

Fenced Privacy: 1

Fireplace: 1

Shower: 1

Porch Covered: 1

Sprinkler System: 1

Storm Doors: 1

Storm Windows: 1

Cash: 1

Conventional: 1

VA: 1

Furnished: 1

Insulated Doors: 1

Cleared: 1

Landscaped: 1

Within 1/2 Mile to Water: 1

County Road: 1

Paved Road: 1

Driveway: 1

Garage Attached: 1

Resid Single Family: 1

Bedroom: 1

Master Bedroom: 1

TV Cable: 1

Electricity - Connected: 1

Garbage: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

As Is: 1

Second: 1

First: 1

Ceiling Fan(s): 1

ENERGY STAR Qualified Equipment: 1

ENERGY STAR Qualified Equipment: 1

Security System: 1

Smoke Detector(s): 1