109 Moonraker Circle, Panama City Beach, FL 32407 (MLS# 793118)


$469,900
109 Moonraker Circle
Panama City Beach, FL 32407
MLS# 793118
4 beds  |  2 baths  |  1835 sqft


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Property Description
Welcome to Moonraker, one of Panama City Beach's most desirable communities including an HOA with a clubhouse and pool. This home is the Rhett plan and is loaded with high end premium upgrades. It is a 4-bedroom, 2-bath home offers 1,768 sq. ft. of stylish single-level living just minutes from the beach, M.B. Miller Pier, Shipwreck Island, dining, shopping, and entertainment. This home is situated on a neighborhood pond lot with views of a fountain and only a 2 block walk to the Gulf of America. Amazing price: The house has a 3 percent assumable VA loan! The house has over $35,000 of luxury upgrades to original home. This beach house features 9' ceilings, elegant tray ceilings, window coverings, and luxury LVP flooring in every room. The gourmet kitchen showcases granite countertops, stainless steel appliances, white cabinetry, a laundry room with a pantry, and extensive landscaping for an entertainers paradise. The private primary suite offers a tray ceiling, double vanities, soaking tub, and separate walk-in shower. This house has a mother-in-law suite where there is a private kitchen and bedroom sectioned off in its own space in the home. The house has a third driveway for that suite. High End Upgrades Include: • Luxury LVP flooring throughout the house in every room • Two kitchens in the house with main kitchen and a Mother-in-law kitchenette suite • Two laundry rooms • Upgraded lighting fixtures and door hardware • Ceiling fans in every bedroom • Professionally landscaped yard • Sidewalk surrounding the home for added convenience • Custom stone paver walkway • Tray ceilings and premium finishes throughout * Three car driveway This beach coastal home has all the modern luxury upgrades at an amazing price with a price you can't beat - Offering an assumable 3 percent VA rate loan! Save thousands and live close to the beach in this home with all the upgrades!

Details
Maps
General Property Info
Acreage: 0.12
Design: Craftsman Style
Lot Size (SqFt): 5227
Apx SqFt(Htd/Cooled): 1835
Construction Status: Construction Complete
SqFt Source: Owner Measured
Accessory Dwelling Unit: No
Lot Dimensions: 55x100
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Pool: No
Sub-Type: Detached Single Family
Bedrooms: 4
Full Baths: 2
Total Baths: 2
Year Built: 2020
Contract Info
List Price/SqFt: 256.08
Status: Active
List Date: 2026-07-25
List Price: $469,900
Current Price: $469,900
Location
Sub Area: 0320 - Beach - Middle Central
Community/Resort: None
Waterfront: Yes
Gulf Access: No
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Head East On Back Beach Rd From Pier Park Then Turn Right Onto Alf Coleman. Turn Left Onto Moonraker Cir Just Before The First Traffic Light. Close to Shipwreck Island waterpark Panama City beach off of Richard Jackson and Alf Coleman Road
Area: 03 - Bay County - Beach
Street #: 109
Street Name: Moonraker
Street Suffix: Circle
State: FL
Zip Code: 32407
County: Bay
Subdivision: Moonraker
Parcel ID: 34039-850-560
Legal Description: MOONRAKER LOT 56 ORB 4229 P 516
Listing Info, Tax and Legal
HOA Fee: Yes
HOA Amount: 1600
HOA Frequency: Annually
HOA Annual Amount: 1600
New Buyer Fee: No
Brokerage Interest: No Interest
Remarks & Misc
Remarks: Welcome to Moonraker, one of Panama City Beach's most desirable communities including an HOA with a clubhouse and pool. This home is the Rhett plan and is loaded with high end premium upgrades. It is a 4-bedroom, 2-bath home offers 1,768 sq. ft. of stylish single-level living just minutes from the beach, M.B. Miller Pier, Shipwreck Island, dining, shopping, and entertainment. This home is situated on a neighborhood pond lot with views of a fountain and only a 2 block walk to the Gulf of America. Amazing price: The house has a 3 percent assumable VA loan! The house has over $35,000 of luxury upgrades to original home. This beach house features 9' ceilings, elegant tray ceilings, window coverings, and luxury LVP flooring in every room. The gourmet kitchen showcases granite countertops, stainless steel appliances, white cabinetry, a laundry room with a pantry, and extensive landscaping for an entertainers paradise. The private primary suite offers a tray ceiling, double vanities, soaking tub, and separate walk-in shower. This house has a mother-in-law suite where there is a private kitchen and bedroom sectioned off in its own space in the home. The house has a third driveway for that suite. High End Upgrades Include: • Luxury LVP flooring throughout the house in every room • Two kitchens in the house with main kitchen and a Mother-in-law kitchenette suite • Two laundry rooms • Upgraded lighting fixtures and door hardware • Ceiling fans in every bedroom • Professionally landscaped yard • Sidewalk surrounding the home for added convenience • Custom stone paver walkway • Tray ceilings and premium finishes throughout * Three car driveway This beach coastal home has all the modern luxury upgrades at an amazing price with a price you can't beat - Offering an assumable 3 percent VA rate loan! Save thousands and live close to the beach in this home with all the upgrades!
Family Room
First: 1
Appliances
Dishwasher: 1
Disposal: 1
Range - Electric: 1
Refrigerator: 1
Water Heater - Electric: 1
Interior Features
Floor - Vinyl Plank: 1
Pantry: 1
Construction/Siding
Roof - Composite Shngl: 1
Siding - Hardie Board: 1
Siding - Vinyl: 1
Exterior
Patio Covered: 1
Association Fees Include
Pool: 1
Trash Disposal: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Unfurnished: 1
Kitchen
First: 1
Lot Features
Waterfront: 1
Lot Access
Paved Road: 1
Parking Features
Driveway: 1
Garage Attached: 1
Present Zoning
Resid Single Family: 1
Association Amenities
BBQ Pit/Grill: 1
Pool: 1
Rooms
Bedroom: 1
Family Room: 1
Kitchen: 1
Utilities
TV Cable: 1
Electricity - Connected: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Waterview
Lake: 1
Waterfront Type
Lakefront: 1
Bedroom
First: 1
Cooling
Central Air: 1
Heating
Central: 1
Property Features
Appliances: Dishwasher; Disposal; Range - Electric; Refrigerator; Water Heater - Electric
Bedroom: First
Cooling: Central Air
Heating: Central
Exterior: Patio Covered
Association Fees Include: Pool; Trash Disposal
Financing: Cash; Conventional; FHA; VA
Furnished: Unfurnished
Kitchen: First
Lot Features: Waterfront
Lot Access: Paved Road
Family Room: First
Parking Features: Driveway; Garage Attached
Association Amenities: BBQ Pit/Grill; Pool
Rooms: Bedroom; Family Room; Kitchen
Utilities: TV Cable; Electricity - Connected; Public Sewer - Connected; Public Water - Connected
Waterfront Type: Lakefront
Waterview: Lake
Present Zoning: Resid Single Family
Room Information
Room Name Level Dimensions Length Width
BedroomFirst14 x 1214.0012.00
BedroomFirst13 x 1213.0012.00
BedroomFirst11 x 1011.0010.00
BedroomFirst10 x 1210.0012.00
Family RoomFirst16 x 1516.0015.00
KitchenFirst18 x 1018.0010.00

Listing Office: FLATFEE.COM

Last Updated: July - 25 - 2026

Information deemed reliable but not guaranteed.