5404 Hilltop Avenue, Panama City, FL 32408 (MLS# 790241)

List Price/SqFt: 314.67

Status: Active

List Date: 2026-05-22

List Price: $489,000

Current Price: $489,000

Sub Area: 0323 - Beach - South of Grand Lagoon

Community/Resort: None

Waterfront: No

Elementary School: Patronis

Middle School: Surfside

High School: Arnold

Directions: From Navy Blvd. heading west turn right onto Hurt St. Turn left on Hilltop. House is on your right.

Area: 03 - Bay County - Beach

Street #: 5404

Street Name: Hilltop

Street Suffix: Avenue

State: FL

Zip Code: 32408

County: Bay

Subdivision: No Named Subdivision

Parcel ID: 31829-000-000

Legal Description: BILTMORE BEACH LOT 3 BLK I ORB 4445 P 196 MAP 70B2

Acreage: 0.14

Design: Beach House

Lot Size (SqFt): 5968

Apx SqFt(Htd/Cooled): 1554

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

# of Stories in Building: 1

Pre-Const Flip: No

Lot Dimensions: 50x120

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Driveway Spaces: 2

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 2021

Homestead: No

HOA Fee: No

Is Subject Leased: No

New Buyer Fee: No

Last Taxes: 5428

Last Tax Year: 2025

Brokerage Interest: No Interest

Township: Panama City Bea

Remarks: Built in 2021 by Guyson Construction, this furnished South Lagoon beach home offers a turnkey opportunity just minutes from St. Andrews State Park, public boat ramps, dining, and the beach. Currently operating as a short-term rental, the property is well-suited as a primary residence, second home, or investment property. Inside, the light-filled layout features vaulted ceilings, skylights, coastal finishes, and luxury vinyl plank flooring with a hand-scraped look throughout the main living areas. The open-concept kitchen includes granite countertops, stainless steel appliances, and ample prep and storage space. A split-bedroom floor plan provides added privacy to the primary suite, complete with a walk-in shower and oversized walk-in closet. Outdoor spaces include a covered front porch, covered back patio, and a large fenced backyard with room to relax or entertain. Additional features include Hardie Board ColorPlus exterior siding, a metal roof, window treatments throughout, and a 2-car garage. Located in a golf cart-friendly neighborhood with convenient access to two nearby boat launches and the beach, this property combines low-maintenance construction with coastal convenience. No HOA and no flood insurance currently required. Buyer to verify all measurements, rental restrictions, and insurance requirements if important.

First: 1

Cooktop - Electric: 1

Dishwasher: 1

Disposal: 1

Dryer: 1

Ice Maker: 1

Microwave: 1

Oven - Electric: 1

Range Hood: 1

Refrigerator: 1

Washer: 1

Water Heater - Electric: 1

Ceiling - Cathedral: 1

Floor - Vinyl: 1

Kitchen Island: 1

Lighting - Recessed: 1

Window - Treatment All: 1

Foundation - Slab on Grade: 1

Siding - Hardie Board: 1

Siding - Metal: 1

Fenced Back Yard: 1

Hurricane Shutters: 1

Patio Covered: 1

Porch Covered: 1

Cash: 1

Conventional: 1

VA: 1

Furnished: 1

Ceiling - Tray: 1

First: 1

County Road: 1

Paved Road: 1

Driveway: 1

Garage Attached: 1

MBath Double Vanity: 1

MBath Shower Only: 1

MBed First Floor: 1

County: 1

Great Room: 1

Kitchen: 1

Master Bedroom: 1

Electricity - Connected: 1

Garbage: 1

Internet - Fiber Optic: 1

Public Water - Connected: 1

Septic Tank: 1

As Is: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Central: 1