109 Blue Sage Road, Panama City Beach, FL 32413 (MLS# 785506)

HOA Fee: Yes

HOA Amount: 785.47

HOA Frequency: Quarterly

HOA Annual Amount: 3141.88

New Buyer Fee: Yes

New Buyer Fee Amt: 0.5

New Buyer Fee Paid: %

Last Taxes: 5360

Last Tax Year: 2025

Brokerage Interest: No Interest

List Price/SqFt: 252.08

Status: Active

List Date: 2026-02-12

List Price: $485,000

Current Price: $485,000

Sub Area: 0322 - Beach - North West

Community/Resort: Whisper Dunes

Waterfront: No

Elementary School: West Bay

Middle School: Surfside

High School: Arnold

Directions: From Hwy 79 Take Panama City Beach Parkway ( US98) Drive approximately 5.5 miles west and Turn Right onto Sand Oak Blvd and go approximately .1 miles and turn right in the traffic Circle and the home is .1 miles on the right.

Area: 03 - Bay County - Beach

Street #: 109

Street Name: Blue Sage

Street Suffix: Road

State: FL

Zip Code: 32413

County: Bay

Subdivision: Whisper Dunes

Parcel ID: 35350-250-050

Legal Description: WHISPER DUNES, PH 2A LOT 5 ORB 3732 P 1393

Acreage: 0.15

Design: Craftsman Style

Lot Size (SqFt): 6708

Apx SqFt(Htd/Cooled): 1924

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 110X60

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 2014

Remarks: Experience low-maintenance coastal living in this 3BR/2BA home in Whisper Dunes, located just a half-mile from dedicated beach access. Whisper Dunes remains one of the West End's most desirable primary-residence communities, known for its pet-friendly atmosphere, consistent upkeep, and HOA-covered lawn care that simplifies everyday living. Designed with both durability and comfort in mind, this home features 2x6 construction, Hardie board siding, 6-inch exterior walls, and a 30-year architectural shingle rated for 130 mph winds -- details that matter in today's insurance and long-term ownership landscape. A 5-star energy rating, high-efficiency Low E2 windows, and a 14-SEER heat pump further enhance efficiency and livability. Inside, the open floor plan offers large designer tile throughout, 8-foot doors with craftsman-style trim, and abundant natural light from oversized windows. The kitchen is thoughtfully appointed with stainless appliances, granite countertops, under-cabinet lighting, and generous storage -- creating a functional gathering space that connects seamlessly to the main living area. The primary suite features tray ceilings and an ensuite bath with double vanities and matching granite surfaces. Two additional bedrooms and a full bath provide flexibility for guests, home office needs, or family living. French doors open to a covered porch with a remote-controlled electric screen, extending your living space outdoors. The fenced backyard offers privacy for pets or entertaining, while the garage includes a newly epoxy-coated floor completed in 2025 for a clean, durable finish. Residents of Whisper Dunes enjoy a community pool, cabana, landscaped walking paths, and sidewalks throughout the neighborhood -- all just minutes from Pier Park, 30A, Camp Helen State Park, Lake Powell, and the conveniences of Publix, ALDI, and local dining. For buyers seeking a well-built, low-maintenance home near the beach within a primarily full-time residential setting, this Whisper Dunes property represents a strong opportunity on Panama City Beach's West End.

Dishwasher: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Floor - Tile: 1

Foundation - Slab on Grade: 1

Roof - Composite Shngl: 1

Fenced Back Yard: 1

Patio Covered: 1

Sprinkler System: 1

Ground Keeping: 1

Master Association: 1

Trash Disposal: 1

Unfurnished: 1

Floor - Carpet: 1

Within 1/2 Mile to Water: 1

MBath Double Vanity: 1

MBath Garden Tub: 1

MBath Separate Shwr: 1

MBath Walk-In Closet: 1

Pavilion/Gazebo: 1

Pool: 1

Bedroom: 1

Master Bedroom: 1

ShowingTime: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Electric: 1