316 Cherry Street 33, Panama City, FL 32401 (MLS# 787549)


$219,900
316 Cherry Street 33
Panama City, FL 32401
MLS# 787549
2 beds  |  2 baths  |  860 sqft


Bay Club Condo
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Bay Club Condo Bay Club Condo Bay Club Condo Bay Club Condo Unit 33 Entryway Entryway Dining Room Kitchen Kitchen Kitchen Living Room 11-web-or-mls-Bay-Club-10 - Living Room Living Room Living Room Balcony Balcony Hallway Primary Bedroom 17-web-or-mls-Bay-Club-16 - Bedroom - Co Primary Bedroom Primary Bedroom Primary Bath Second Bedroom 21-web-or-mls-Bay-Club-21 - Bedroom - Mo Second Bedroom Second Bath Bay Club Condo Bay Club Condo Pool

Property Description
WATERFRONT INVESTMENT OPPORTUNITY | BAY CLUB AT ST. ANDREWS Bring all reasonable offers! A great opportunity to own in a waterfront community with rental income already in place! Currently tenant-occupied with a long-term lease through June 2027, generating $1,600 (UNFURNISHED) per month in rental income! Excellent tenants are already in place, making this an attractive opportunity for investors looking for an income-producing property without the immediate hassle of finding renters. Inside, you'll find a bright, comfortable living with an inviting layout. Condo is freshly painted, with newer flooring, brand new balcony and sliding doors. Outside, Bay Club offers a peaceful waterfront setting surrounded by mature oak trees, an updated community pool, and beautiful St. Andrews Bay views. Boating enthusiasts will appreciate the community dock with approximately 10 feet of water depth--bring your boat and enjoy easy access to St. Andrews Bay! Enjoy fishing, coastal breezes, and unforgettable sunsets just steps from your door. Conveniently located near historic St. Andrews, downtown Panama City, waterfront parks, restaurants, and local shops. Seller welcomes reasonable offers. Schedule your showing today!

Details
Maps
General Property Info
Floor Number: 2
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 860
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Prop App Site
Accessory Dwelling Unit: No
Lot Dimensions: 0x0
New Construction: No
Garage Y/N: No
Pool: Yes
Pool Type: Community
Sub-Type: Condominium
Bedrooms: 2
Full Baths: 2
Total Baths: 2
Year Built: 1982
Contract Info
List Price/SqFt: 255.7
Status: Active
List Date: 2026-03-28
List Price: $219,900
Current Price: $219,900
Location
Unit #: 33
Sub Area: 0203 - Bay - Central SW
Community/Resort: None
Waterfront: Yes
Gulf Access: No
Elementary School: Cherry Street
Middle School: Jinks
High School: Bay
Directions: From US-98 (15th St) turn south onto Cherry St and continue for approximately 1 mile. The property will be on your right at 316 Cherry St.
Area: 02 - Bay County - Central
Street #: 316
Street Name: Cherry
Street Suffix: Street
State: FL
Zip Code: 32401
County: Bay
Subdivision: Bay Club Condo Ph 2
Parcel ID: 25679-114-000
Legal Description: BAY CLUB CONDO PHASE II APT 33 2BR 2B 860 H&C ORB 997 P 19 ORB 4415 P 599 .
Listing Info, Tax and Legal
HOA Fee: Yes
HOA Amount: 529
HOA Frequency: Monthly
HOA Annual Amount: 6348
New Buyer Fee: No
Last Taxes: 2166
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes
Remarks & Misc
Remarks: WATERFRONT INVESTMENT OPPORTUNITY | BAY CLUB AT ST. ANDREWS Bring all reasonable offers! A great opportunity to own in a waterfront community with rental income already in place! Currently tenant-occupied with a long-term lease through June 2027, generating $1,600 (UNFURNISHED) per month in rental income! Excellent tenants are already in place, making this an attractive opportunity for investors looking for an income-producing property without the immediate hassle of finding renters. Inside, you'll find a bright, comfortable living with an inviting layout. Condo is freshly painted, with newer flooring, brand new balcony and sliding doors. Outside, Bay Club offers a peaceful waterfront setting surrounded by mature oak trees, an updated community pool, and beautiful St. Andrews Bay views. Boating enthusiasts will appreciate the community dock with approximately 10 feet of water depth--bring your boat and enjoy easy access to St. Andrews Bay! Enjoy fishing, coastal breezes, and unforgettable sunsets just steps from your door. Conveniently located near historic St. Andrews, downtown Panama City, waterfront parks, restaurants, and local shops. Seller welcomes reasonable offers. Schedule your showing today!
Pool Features
Fenced: 1
Gunite Concrete: 1
Inground: 1
Appliances
Dishwasher: 1
Disposal: 1
Microwave: 1
Oven - Electric: 1
Range - Electric: 1
Refrigerator: 1
Washer/Dryer Stacked: 1
Water Heater - Electric: 1
Interior Features
Floor - Laminate: 1
Floor - Tile: 1
Window - Treatment All: 1
Construction/Siding
Foundation - Slab on Grade: 1
Exterior
Balcony: 1
Waterfront Feature
Dock: 1
Shore - Beach: 1
Association Fees Include
Accounting: 1
Beach: 1
Dumpster: 1
Ground Keeping: 1
Management: 1
Pest Control: 1
Pool: 1
Repairs/Maintenance: 1
Sewer: 1
Water: 1
Financing
Cash: 1
Conventional: 1
Furnished
Unfurnished: 1
Lot Access
City Street: 1
Paved Road: 1
Parking Features
Additional Parking: 1
Assigned: 1
Association Amenities
Beach: 1
Dock: 1
Dumpster: 1
Elevators: 1
Pool: 1
Waterfront: 1
Rooms
Bedroom: 1
Primary Bedroom: 1
Utilities
Garbage: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Waterview
Bay: 1
Sale Type
As Is: 1
Waterfront Type
Bay/Harbor: 1
Primary Bedroom
First: 1
Bedroom
First: 1
Cooling
Central Air: 1
Electric: 1
Heating
Central: 1
Electric: 1
Primary Bdrm/Primary Bath
MBed Walk-in Closet: 1
Primary Bath/Primary Bdrm
MBath Shower/Tub Combo: 1
Property Features
Appliances: Dishwasher; Disposal; Microwave; Oven - Electric; Range - Electric; Refrigerator; Washer/Dryer Stacked; Water Heater - Electric
Primary Bedroom: First
Bedroom: First
Cooling: Central Air; Electric
Heating: Central; Electric
Exterior: Balcony
Association Fees Include: Accounting; Beach; Dumpster; Ground Keeping; Repairs/Maintenance; Management; Pest Control; Pool; Sewer; Water
Financing: Cash; Conventional
Furnished: Unfurnished
Lot Access: City Street; Paved Road
Pool Features: Fenced; Gunite Concrete; Inground
Parking Features: Additional Parking; Assigned
Association Amenities: Beach; Dock; Dumpster; Elevators; Pool; Waterfront
Rooms: Bedroom; Primary Bedroom
Sale Type: As Is
Utilities: Garbage; Public Sewer - Connected; Public Water - Connected
Waterfront Type: Bay/Harbor
Waterfront Feature: Dock; Shore - Beach
Waterview: Bay
Room Information
Room Name Level Dimensions Length Width
Primary BedroomFirst10 x 1410.0014.00
BedroomFirst14 x 1014.0010.00

Listing Office: Top Producers Real Estate Group

Last Updated: October - 23 - 2026

Information deemed reliable but not guaranteed.