120 Covington Street, Panama City Beach, FL 32413 (MLS# 788323)

Homestead: Yes

HOA Fee: Yes

HOA Amount: 249

HOA Frequency: Quarterly

HOA Annual Amount: 996

New Buyer Fee: Yes

New Buyer Fee Amt: 0.5

Last Taxes: 3231

Last Tax Year: 2025

Brokerage Interest: No Interest

As Is: No

List Price/SqFt: 337.11

Status: Active

List Date: 2026-04-14

List Price: $674,900

Current Price: $674,900

Sub Area: 0321 - Beach - North Central

Community/Resort: None

Waterfront: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: Heading east, pass Pier Park and turn north on Cambridge Blvd. Take 2nd right onto Covington St. Home is on the left.

Area: 03 - Bay County - Beach

Street #: 120

Street Name: Covington

Street Suffix: Street

State: FL

Zip Code: 32413

County: Bay

Subdivision: Palmetto Trace Phase 1

Parcel ID: 32738-520-000

Legal Description: PALMETTO TRACE PH 1 37C LOT 20 ORB 4613 P 1260

Acreage: 0.31

Design: Patio Home

Lot Size (SqFt): 13700

Apx SqFt(Htd/Cooled): 2002

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 112x134x60x125

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: Yes

Pool Type: Private

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 2002

Remarks: Look no further because this is the Panama City Beach pool home you have been waiting for. Experience the ultimate Florida lifestyle in this meticulously upgraded residence perfectly positioned in a quiet, non-short-term rental neighborhood. Whether you are seeking a coastal primary residence or a private secondary vacation home, this property offers the rare combination of proximity to the action and the peace of a true residential community. Step inside a home that feels brand new, boasting a comprehensive interior refresh. The spacious layout is enhanced by crown molding and fresh paint throughout the entire interior. These features include a tasteful blend of durable vinyl planks and plush carpet installed in 2022 alongside a chef's kitchen and updated laundry area. Fully equipped with a 2023 appliance suite, you will find a new refrigerator, stove, dishwasher, washer, and dryer already in place. There is also a dedicated office that can easily serve as a fourth bedroom or a custom hobby space. The primary bathroom received a refreshed remodel in 2023 with new vanities, modern lighting, and a bright new skylight. The exterior is a masterclass in outdoor living and was transformed in 2023 into what is arguably the best private pool and backyard oasis in Panama City Beach. This luxury resort-style pool features premium gunite construction, saltwater systems, and a relaxing waterfall. It is also fully equipped with heating and cooling capabilities for year-round enjoyment regardless of the season. The entire property has been professionally landscaped with new sod and palm trees, all secured by a new six-foot vinyl fence for maximum privacy. This home is as functional as it is beautiful, offering significant savings on utilities and peace of mind during those hot Florida months. The roof was replaced in 2021 and the central air conditioning system is only a few years old. Furthermore, the attic was upgraded with spray foam insulation to provide maximum temperature control which can offer incredible long-term savings. Recently added fabric hurricane shutters help protect your home from storms while the solid stucco siding provides both structural protection and a classic coastal vibe. Location is everything in real estate and this home delivers. You are situated directly across the street from Pier Park which offers world-class dining, shopping, and entertainment. Most importantly, you are located less than one mile from the sugar-white sands and emerald waters of the Gulf of Mexico. Schedule your private showing today to experience this turnkey coastal gem in person.

First: 1

Gunite Concrete: 1

Heated - Electric: 1

Inground: 1

Saltwater: 1

Waterfall: 1

Cooktop - Electric: 1

Disposal: 1

Oven - Electric: 1

Range - Electric: 1

Range Hood: 1

Refrigerator: 1

Washer: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Ceiling - Crwn Molding: 1

Floor - Vinyl Plank: 1

Pantry: 1

Window - Treatment Some: 1

Foundation - Slab on Grade: 1

Roof - Composite Shngl: 1

Siding - Stucco: 1

Fenced Back Yard: 1

Fenced Lot-Part: 1

Hurricane Fabric: 1

Shower: 1

Porch Open: 1

Accounting: 1

Management: 1

Master Association: 1

Pool: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Negotiable: 1

Bonus Room: 1

Ceiling - Tray: 1

Floor - Carpet: 1

Covenants & Rescrictions: 1

Landscaped: 1

Survey Available: 1

Private Road: 1

Driveway: 1

Garage Attached: 1

Garage Door Opener: 1

MBath Double Vanity: 1

MBath Garden Tub: 1

MBath Separate Shwr: 1

Resid Single Family: 1

Pool: 1

Bedroom: 1

Master Bedroom: 1

Office: 1

TV Cable: 1

Electricity - Connected: 1

Internet - Broadband Available: 1

Phone - Available: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Underground Utilities: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1