430 Warren Bayou Lane, Panama City Beach, FL 32407 (MLS# 783765)

HOA Fee: Yes

HOA Amount: 366

HOA Frequency: Quarterly

HOA Annual Amount: 1464

New Buyer Fee: Yes

New Buyer Fee Amt: 0.05

New Buyer Fee Paid: %

Last Taxes: 6248

Last Tax Year: 2025

Brokerage Interest: No Interest

List Price/SqFt: 256.84

Status: Active

List Date: 2026-01-16

List Price: $610,000

Current Price: $610,000

Sub Area: 0321 - Beach - North Central

Community/Resort: None

Waterfront: No

Elementary School: Breakfast Point

Middle School: Breakfast Point

High School: Arnold

Directions: Breakfast Point is located at the end of Richard Jackson Blvd just past Breakfast Point Academy. At the stop sign turn right. You'll then turn right on Warren Bayou.

Area: 03 - Bay County - Beach

Street #: 430

Street Name: Warren Bayou

Street Suffix: Lane

State: FL

Zip Code: 32407

County: Bay

Subdivision: Breakfast Point

Parcel ID: 34030-275-380

Legal Description: BREAKFAST POINT PHASE 3C LOT 417 ORB 4511 P 275

Acreage: 0.19

Design: Craftsman Style

Lot Size (SqFt): 8102

Apx SqFt(Htd/Cooled): 2375

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 51x122

New Construction: No

Garage Y/N: Yes

Garage Spaces: 3

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 4

Full Baths: 3

Total Baths: 3

Year Built: 2019

Remarks: 430 Warren Bayou Drive | Panama City Beach, FL Privacy. Space. Options. This home delivers what today's buyers are searching for—and rarely find. Tucked away with a wooded backdrop and no rear neighbors, 430 Warren Bayou Drive offers a peaceful, private backyard setting that feels like a retreat—right in the heart of Panama City Beach. Whether you're enjoying quiet mornings or hosting gatherings, the natural buffer behind the home provides a level of privacy that sets this property apart. Inside, the home features 4 bedrooms, 3 bathrooms, and over 2,300 square feet of thoughtfully designed living space—ideal for families, professionals, or buyers needing room to spread out. The 3-car garage adds flexibility for storage, hobbies, or multiple vehicles, a rare find in this area. Location matters, and this one checks the boxes. Conveniently positioned near beaches, shopping, dining, and everyday essentials, you get the best of PCB living without sacrificing space or tranquility. What truly makes this home stand out? Financing flexibility. Buyers may have the opportunity to assume an existing loan with an interest rate under 4% (subject to lender approval), and owner financing may also be considered—opening the door to options rarely available in today's market. ✔ 4 Bedrooms | 3 Bathrooms ✔ Over 2,300 sq ft ✔ 3-Car Garage ✔ Wooded, private backyard ✔ Prime Panama City Beach location ✔ Potential assumable loan under 4% ✔ Owner financing option This is more than a home—it's a smart move in a market where space, privacy, and favorable financing are hard to come by. Showing begin at the end of February. Video of the home is available.

First: 1

Dishwasher: 1

Disposal: 1

Microwave: 1

Range - Gas: 1

Refrigerator: 1

Water Heater - Gas: 1

Breakfast Bar: 1

Floor - Tile: 1

Floor - Vinyl Plank: 1

Kitchen Island: 1

Window - Treatment All: 1

Fenced Back Yard: 1

Porch Covered: 1

Sprinkler System: 1

Management: 1

Master Association: 1

Assume w/int: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Unfurnished: 1

Ceiling - Tray: 1

Smart Thermostat: 1

MBath Double Vanity: 1

MBath Shower Only: 1

MBed Walk-in Closet: 1

Bedroom: 1

Family Room: 1

Master Bedroom: 1

TV Cable: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

First: 1

First: 1

Central Air: 1

Central: 1