523 N Church Avenue, Panama City, FL 32401 (MLS# 795605)

Acreage: 0.19

Design: Contemporary

Lot Size (SqFt): 8276

Apx SqFt(Htd/Cooled): 1218

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Builders Plans

# of Stories in Building: 1

Accessory Dwelling Unit: No

Lot Dimensions: 118.0 ft x 140.0 ft

New Construction: Yes

Garage Y/N: Yes

Garage Spaces: 1

Driveway Spaces: 2

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 2026

List Price/SqFt: 229.8

Status: Active

List Date: 2026-09-18

List Price: $279,900

Current Price: $279,900

Sub Area: 0202 - Bay - Central SE

Community/Resort: None

Waterfront: No

Elementary School: Patterson

Middle School: Jinks

High School: Bay

Directions: Head East down W 15th Street until you reach N East Avenue. Turn right onto N East Avenue and go down 1.1 mile and make a right onto E 6th Street. Go down 700 feet and make a left onto N Church Avenue. Home is on your right in 70 ft.

Area: 02 - Bay County - Central

Street #: 523

Street Direction: N

Street Name: Church

Street Suffix: Avenue

State: FL

Zip Code: 32401

County: Bay

Subdivision: Pinecrest Add.

Parcel ID: 22641-000-000

Legal Description: PINECREST ADD LOTS 22,23,24 BLK H ORB 4691 P 597/See Exhibit A

HOA Fee: No

New Buyer Fee: No

Last Taxes: 580.23

Last Tax Year: 2025

Brokerage Interest: No Interest

Township: Panama City

Remarks: Welcome to 523 N Church Avenue, a brand-new, move-in-ready home offering modern style, smart design, and incredible value in Panama City, Florida. Featuring 3 bedrooms, 2 bathrooms, and 1,218 square feet of thoughtfully crafted living space, this new construction residence is perfect for first-time buyers, military families relocating to Tyndall Air Force Base, or anyone seeking an affordable, turn-key home. Special Financing Offer Take advantage of a seller-paid rate buydown through List & Lock™, offering rates as low as 5.99% (6.675% APR) as of 10/26/2026. Lower your monthly mortgage payment and save significantly over time. (Terms apply; see disclosures for details.) Key Features & Interior Highlights Open-Concept Living include high raised ceilings, recessed halo lighting, luxury vinyl plank (LVP) flooring, and stylish ceiling fans throughout. Modern Chef's Kitchen outfitted with premium granite countertops, a large center island with pendant lighting, chic backsplash, sleek black hardware/finishes, a dedicated pantry, and a full stainless steel appliance package (refrigerator, range/oven, microwave, dishwasher, and disposal). Primary Suite Retreat includes a spacious walk-in closet, oversized single vanity with ample cabinet storage, and a low-maintenance fiberglass walk-in shower. Guest Bedrooms & Bath host two generously sized guest bedrooms with large closets, sharing a full hall bathroom with an oversized vanity and a tub/shower combo. Outdoor Space: Enjoy a fully sodded and landscaped yard with an open rear patio--ideal for weekend grilling, outdoor dining, and entertaining. Prime Location in Panama City, FL Situated right off 11th Street, 15th Street, and Business Highway 98, this location provides unmatched everyday convenience: Minutes from Downtown Panama City with local dining, shopping, waterfront parks, and community events. Local Amenities: Quick access to grocery stores, schools, healthcare facilities, and the Emerald Coast beaches. Whether you're relocating to Bay County or looking for affordable new construction in Panama City, 523 N Church Ave is ready to welcome you home. Schedule your private showing today! Buyer to verify all measurements and listing details if important. Professional photos coming soon.

Dishwasher: 1

Disposal: 1

ENERGY STAR Qualified Appliances: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Water Heater - Electric: 1

Ceiling - Raised: 1

Floor - Vinyl Plank: 1

Kitchen Island: 1

Lighting - Recessed: 1

Pantry: 1

Foundation - Slab on Grade: 1

Wood/Frame: 1

Roof - Dimensional Shg: 1

Roof - Gutters: 1

Siding - Vinyl: 1

Trim - Vinyl: 1

Patio Open: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Unfurnished: 1

Landscaped: 1

Paved Road: 1

Driveway: 1

Garage Attached: 1

Paved: 1

Resid Single Family: 1

Bedroom: 1

Primary Bedroom: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

As Is: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

ENERGY STAR Qualified Equipment: 1

Central: 1

Electric: 1

ENERGY STAR Qualified Equipment: 1

MBath Shower Only: 1

MBed Walk-in Closet: 1

Secured Garage/Parking: 1