4133 Cobalt Circle 22, Panama City Beach, FL 32408 (MLS# 788310)

List Price/SqFt: 192.61

Status: Pending

List Date: 2026-04-14

List Price: $549,900

Current Price: $549,900

Unit #: 22

Sub Area: 0319 - Beach - East

Community/Resort: None

Waterfront: Yes

Gulf Access: Yes

Elementary School: Patronis

Middle School: Surfside

High School: Arnold

Directions: Drive north on Navy Bld/CR 3031. Right to Magnolia Beach Road. Turn left to stay on Magnolia Beach Road. Left to Mystic Lane. Property is on the right.

Area: 03 - Bay County - Beach

Street #: 4133

Street Name: Cobalt

Street Suffix: Circle

State: FL

Zip Code: 32408

County: Bay

Subdivision: Magnolia Plantation

Parcel ID: 40000-050-076

Legal Description: WATERHAVEN UNIT R022 TYPE D3 4BR 4.5B ORB 2904 P 186 2855 SF ORB 4418 P 1720

Floor Number: 3

Design: Low-Rise (1-3 floors)

Apx SqFt(Htd/Cooled): 2855

Construction Status: Construction Complete

SqFt Source: Owner Measured

Half Baths: 1

# of Stories in Building: 3

Lot Dimensions: 20x20x20x20

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Bedrooms: 4

Full Baths: 4

Total Baths: 5

Year Built: 2007

HOA Fee: Yes

HOA Amount: 3549

HOA Frequency: Quarterly

HOA Annual Amount: 14196

Senior Community: No

New Buyer Fee: No

Last Taxes: 4077

Last Tax Year: 2025

Brokerage Interest: No Interest

Condo Doc: Yes

Remarks: Situated in the gated community of Waterhaven--a southern coastal enclave on the scenic St. Andrews Bay--this magnificent three-story townhome delivers an unparalleled blend of elegance and comfort. The neighborhood features charming cobblestone streets and provides a secure, tranquil atmosphere. The residence boasts four bedrooms, four and a half baths, and includes a separate carriage house with a full kitchen, bedroom, and bathroom above a spacious two-car garage. This unique configuration creates an ideal retreat for family and friends. The main house spans three stories and showcases stunning architectural details such as heart of pine hardwood floors, trey ceilings, Chicago brick, and meticulous millwork with 12-inch baseboards and crown molding. Plantation shutters brighten the rooms, while the warmth of hardwood flooring enhances the inviting ambiance. Upon entry, you are welcomed into an open-concept living and dining area that seamlessly connects to a high-end, gourmet kitchen. Designed for aspiring chefs and entertainers alike, the kitchen is adorned with granite countertops and professional- grade appliances, including a Sub-Zero refrigerator, a Viking 6-burner stove with convection oven, a Bosch dishwasher, and two Sub-Zero wine chillers at the wet bar. Elegant French doors in the dining room open to a serene private courtyard, inviting relaxation with a book, preparing a gourmet meal on the grill, or hosting gatherings under the stars. On the second floor, the primary suite features a generously sized walk-in closet and an ensuite bathroom with a double vanity, separate shower with dual showerheads, and a luxurious jetted soaker tub. A private balcony completes the southern row home vibe, providing an inviting space for morning coffee or quiet reading. Across the hall, the guest room includes its own ensuite bathroom and a balcony that overlooks the courtyard below. The third floor features another guest room with brand new carpet, ensuite bathroom, and additional climate- controlled storage closets. Above the two-car garage, the carriage house presents a fully equipped private getaway. This space includes a cozy sitting area, kitchen, laundry, bedroom, and full bathroom, making it an ideal option for extended family, guests, or a home office. As a resident of Waterhaven, you'll enjoy access to a variety of resort-style amenities. These include a bay front pool and the largest pier on the bay with marina, with both public and private boat slips--for fishing, boating, or taking in breathtaking sunsets. The clubhouse features a grand gathering room for events, a private theater, fitness center, summer kitchen, and outdoor grilling stations. With HOA fees covering all amenities, landscaping, water, trash, and exterior maintenance, the home provides a private, luxurious feel paired with the easy lifestyle of condominium living. Viewing in person is essential to fully appreciate its charm and elegance.

Second: 1

First: 1

Fenced: 1

Gunite Concrete: 1

Heated - Gas: 1

Inground: 1

Second: 1

Breakfast Bar: 1

Ceiling - Crwn Molding: 1

Floor - Hardwood: 1

Floor - Tile: 1

Kitchen Island: 1

Lighting - Recessed: 1

Pantry: 1

Plantation Shutters: 1

Security System: 1

Stairs: 1

Wet Bar: 1

Brick: 1

Roof - Metal: 1

Siding - Hardie Board: 1

Balcony: 1

Columns: 1

Double Pane Windows: 1

Patio Open: 1

Porch Covered: 1

BBQ Pit/Grill: 1

Community Room: 1

Dumpster: 1

Exercise Room: 1

Game Room: 1

Gated Community: 1

Ground Keeping: 1

Insurance: 1

Pavilion/Gazebo: 1

Pest Control: 1

Pool: 1

Recreational Faclty: 1

Security: 1

Theater: 1

Trash Disposal: 1

Water: 1

Other - See Remarks: 1

Termite Bond: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Other: 1

Negotiable: 1

Bonus Room: 1

Ceiling - Tray: 1

Floor - Carpet: 1

Smart Thermostat: 1

Balcony: 1

Great Room: 1

Primary Bedroom: 1

Separate Apartment: 1

Cable - Available: 1

Electricity - Availabile: 1

Garbage: 1

Natural Gas - Available: 1

Internet - Broadband Available: 1

Phone - Available: 1

Public Sewer - Connected: 1

Public Water - Available: 1

Bay/Harbor: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Multi Units: 1

Central: 1

Electric: 1

Under Contract Date: 2026-06-29