186 White Cap Way, Panama City Beach, FL 32407 (MLS# 793243)

Acreage: 0.04

Design: Townhome

Lot Size (SqFt): 1612

Apx SqFt(Htd/Cooled): 1432

Construction Status: Construction Complete

SqFt Source: Agent Measured

Half Baths: 1

Accessory Dwelling Unit: No

Lot Dimensions: 63 x 25

New Construction: No

Garage Y/N: No

Driveway Spaces: 2

Pool: Yes

Pool Type: Community

Sub-Type: Attached Single Unit

Bedrooms: 3

Full Baths: 2

Total Baths: 21

Year Built: 2005

List Price/SqFt: 188.55

Status: Active

List Date: 2026-07-28

List Price: $270,000

Current Price: $270,000

Sub Area: 0320 - Beach - Middle Central

Community/Resort: Palm Cove

Waterfront: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: From Hathaway Bridge, traveling west on PCB Pkwy. Turn left onto R Jackson Blvd. At the light, turn right onto Hutchison Blvd. In a half mile turn right into Palm Cove (Emerald Coast Club Blvd), turn right onto Cabana Ct. Turn right onto Sand Castle Ln, then left onto White Cap Way. Home will be on the left.

Area: 03 - Bay County - Beach

Street #: 186

Street Name: White Cap

Street Suffix: Way

State: FL

Zip Code: 32407

County: Bay

Subdivision: Palm Cove

Parcel ID: 34039-796-000

Legal Description: PALM COVE PH 3 LOT 228 ORB 2415 P 1667 ORB 2723 P 600

HOA Fee: Yes

HOA Amount: 497

HOA Frequency: Quarterly

HOA Annual Amount: 1988

New Buyer Fee: No

Last Tax Year: 2025

Brokerage Interest: No Interest

Remarks: **BEST PRICED PALM COVE TOWNHOME** This roomy 3-bedroom, 3-bath townhome is your chance to own a slice of Panama City Beach without breaking the bank. Whether you're looking for your own coastal oasis or a short-term rental moneymaker, this spot checks all the boxes. Step inside and you're greeted by vaulted ceilings, tons of natural light, and an open layout that just feels good. New Carpet, flooring, and fixtures throughout the home. The main level features new floors, a spacious living area, and a bright kitchen with plenty of cabinet space, a breakfast bar, and stainless steel appliances. Head upstairs to a private loft-style bedroom with its own full bath, perfect for guests or Airbnb setups. Out back, you've got a private covered patio, ideal for post-beach chill sessions, grilling, or kicking back with a cold drink. The exterior is low-maintenance, the HOA is minimal, and the location? You're minutes to the beach, Pier Park, Shipwreck Island, St. Andrews State Park, shopping, dining, and all the tourist favorites that make PCB a vacation hotspot. Solid bones, fresh updates, and the flexibility to live in it, rent it out, or do both. Don't let this opportunity slip by—affordable beach-town real estate like this doesn't come along every day.

Second: 1

Dishwasher: 1

Dryer: 1

Microwave: 1

Range - Electric: 1

Refrigerator: 1

Washer: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Floor - Tile: 1

Stairs: 1

Roof - Dimensional Shg: 1

Siding - Stucco: 1

Porch Screened: 1

Accounting: 1

Gated Community: 1

Management: 1

Playground: 1

Pool: 1

Trash Disposal: 1

Unfurnished: 1

Floor - Carpet: 1

First: 1

Gated Access: 1

Paved Road: 1

Driveway: 1

Resid Single Family: 1

BBQ Pit/Grill: 1

Playground: 1

Pool: 1

Bedroom: 1

Living Room: 1

Loft: 1

Primary Bedroom: 1

Cable - Available: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

As Is: 1

First: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

MBath Shower/Tub Combo: 1

24 Hour Security: 1

Gated Community: 1