4109 Ocean Street, Panama City, FL 32408 (MLS# 782332)

Homestead: Yes

HOA Fee: No

New Buyer Fee: No

Last Taxes: 5446

Last Tax Year: 2024

Brokerage Interest: No Interest

As Is: Yes

List Price/SqFt: 529.38

Status: Active

List Date: 2025-12-04

List Price: $847,000

Current Price: $847,000

Sub Area: 0323 - Beach - South of Grand Lagoon

Community/Resort: None

Waterfront: No

Elementary School: Patronis

Middle School: Surfside

High School: Arnold

Directions: From Panama City, take US-98 W over the Hathaway Bridge toward Panama City Beach. Continue on US-98 (Back Beach Rd). Turn left onto Hwy 79 (Arnold Rd) toward the beach. Turn right onto Front Beach Rd and continue west. Turn right onto Lullwater Dr, then left onto Ocean St. Property will be on the right at 24109 Ocean St.

Area: 03 - Bay County - Beach

Street #: 4109

Street Name: Ocean

Street Suffix: Street

State: FL

Zip Code: 32408

County: Bay

Subdivision: [No Recorded Subdiv]

Parcel ID: 30388-000-000

Legal Description: COTTAGES ON OCEAN SUB UNIT 4 FORMERLY KWN AS FOLLOWING DESC BEL AIR COM AT NLY COR LOT 1 SWLY 90' FOR POB TH SELY 100' TO SELY LINE LOT 2 SWLY 30' TO SLY COR LOT 2 NWLY 100' TO WLY COR LOT 1 NELY 30' TO POB BEING PART OF LOTS 1 & 2 BLK 15 AKA PCL #4 ORB 4542 P 234

Acreage: 0.07

Design: Beach House

Lot Size (SqFt): 2962

Apx SqFt(Htd/Cooled): 1600

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 100X30

New Construction: No

Garage Y/N: Yes

Garage Spaces: 1

Driveway Spaces: 2

Pool: Yes

Pool Type: Private

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 2003

Remarks: Coastal living meets income potential just steps from the sugar-white sand and emerald waters of Panama City Beach, with no busy roads to cross! Perfectly positioned in a highly desirable, short-term rental friendly location, this beautifully updated home offers a light-filled open layout, coastal finishes, and double balconies that enhance both everyday living and guest appeal. Enjoy your own private heated pool and outdoor shower after a day at the beach, one of the most sought-after features for vacationers. With NO HOA, you'll benefit from maximum flexibility and stronger returns, whether used as a personal retreat or an income-producing investment. Walkable to dining, entertainment, and local hotspots, this property delivers the laid-back beach lifestyle buyers love with the performance investors are looking for. Photos may include digital enhancements, editing, or virtual staging.

Fenced: 1

Gunite Concrete: 1

Inground: 1

Cooktop - Electric: 1

Dishwasher: 1

Disposal: 1

Dryer: 1

Microwave: 1

Range - Electric: 1

Washer: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Ceiling - Beamed: 1

Ceiling - Crwn Molding: 1

Fireplace: 1

Floor - Hardwood: 1

Floor - Tile: 1

Lighting - Recessed: 1

Lighting - Track: 1

Lock Out Closet: 1

Split Bedroom: 1

Stairs: 1

Window - Bay: 1

Foundation - Slab on Grade: 1

Roof - Metal: 1

Siding - Stucco: 1

Balcony: 1

Deck Covered: 1

Double Pane Windows: 1

Fenced Back Yard: 1

Fenced Privacy: 1

Fireplace: 1

Shower: 1

Porch Covered: 1

Sprinkler System: 1

Storm Doors: 1

Storm Windows: 1

Cash: 1

Conventional: 1

VA: 1

Furnished: 1

Insulated Doors: 1

Cleared: 1

Landscaped: 1

Within 1/2 Mile to Water: 1

County Road: 1

Paved Road: 1

Driveway: 1

Garage Attached: 1

Resid Single Family: 1

Bedroom: 1

Master Bedroom: 1

TV Cable: 1

Electricity - Connected: 1

Garbage: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

As Is: 1

Second: 1

First: 1

Ceiling Fan(s): 1

ENERGY STAR Qualified Equipment: 1

ENERGY STAR Qualified Equipment: 1

Security System: 1

Smoke Detector(s): 1