623 Fernwood Street C, Panama City Beach, FL 32407 (MLS# 794909)

ud_c100_08: Separate studio apartment located on ground level in back of the primary residence.

ud_i_08: 400

Acreage: 0.06

Design: Beach House

Lot Size (SqFt): 2614

Apx SqFt(Htd/Cooled): 2116

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

Accessory Dwelling Unit: Yes

Lot Dimensions: 27.0 ft x 110.0 ft

New Construction: No

Garage Y/N: Yes

Garage Spaces: 1

Pool: No

Sub-Type: Attached Single Unit

Bedrooms: 4

Full Baths: 4

Total Baths: 4

Year Built: 2004

List Price/SqFt: 372.85

Status: Active

List Date: 2026-09-02

List Price: $788,950

Current Price: $788,950

Unit #: C

Sub Area: 0318 - Beach - Central South

Community/Resort: None

Waterfront: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: From Hwy 79 South and Hwy 98 (Panama City Beach Parkway), turn East on Hwy 98. Go approximately 3 1/2 miles and turn South on Fernwood St. Go Approximately 1/2 mile, and the property will be on the left side of the road. It is the blue and white townhouse, unit C.

Area: 03 - Bay County - Beach

Street #: 623

Street Name: Fernwood

Street Suffix: Street

State: FL

Zip Code: 32407

County: Bay

Subdivision: Bahama Beach

Parcel ID: 34147-025-000

Legal Description: 27 3S 16W -104.2D- PART OF BAHAMA BEACH PARCEL #9 DESC AS: COM AT NW COR OF NE1/4 OF SW1/4 E 637.84' TO E R/W OF FERNWOOD ST S 508.84' FOR POB TH E 82.92' E 27.98' S 26.90' W 27.88' W 82.87' TO E ROW OF FERNWOOD ST TH N 27.94' TO POB 4839 P 1714

HOA Fee: No

New Buyer Fee: No

Last Taxes: 5157.56

Last Tax Year: 2025

Brokerage Interest: No Interest

Remarks: This fully furnished, rental ready townhome is less than 2 blocks from the sugar white sands and emerald green waters! Completely renovated in 2025 with new beachy decor, new furnishings, fresh interior paint throughout, and fresh exterior paint. The home also features a new roof, and has been updated to all current codes, including a newly redone sprinkler system! Best of all, there are no HOA dues!!! The property includes a 3 bed, 3 bath main home, with a separate, private efficiency studio and 1 full bathroom. 2 properties to rent! Live in one, rent the other, rent them both either short or long term, or use the entire property as your primary residence. There are tons of options to choose from! Just as you enter the primary 3/3 portion of the property and continue to the second level, there is a guest bedroom and full bath along with a large living, kitchen, and dining area. The second level offers two covered balconies. The rear balcony is perfect for the guest bedroom occupants to have their own private space, while the front balcony is spacious enough for lounging, or even outdoor dining. On the third level is a large guest bedroom with an attached full bathroom, and the oversized primary bedroom with its own full bathroom including double vanities and a soaker tub. From the primary bedroom there is access to the large third floor balcony with beautiful Gulf and sunset views! Around the rear of the property is the separate studio. With its own private access, large covered porch, and full bathroom, it makes a great short or long term rental. The studio also has the use of the fenced in back yard. There is a one car garage, and parking for several more vehicles in the driveway. Just a short, 2 minute stroll to the beach (accessed by one of the several beach access points located on Front Beach Road. See photos), and 1 block from the Salty Goat Saloon featuring live, local entertainment nightly, and a full bar and grill. Plenty to do nearby, easy access to all PCB, centrally located, this property offers all you need for the perfect primary or investment opportunity! Contact me anytime for more information, and especially to set up your own private showing!

Dishwasher: 1

Disposal: 1

Dryer: 1

ENERGY STAR Qualified Appliances: 1

Freezer: 1

Ice Maker: 1

Microwave: 1

Range - Electric: 1

Refrigerator: 1

Washer: 1

Water Heater - Electric: 1

Floor - Tile: 1

Floor - Vinyl Plank: 1

Guest Quarters: 1

Lighting - Recessed: 1

Lock Out Closet: 1

Split Bedroom: 1

Stairs: 1

Window - Treatment All: 1

Wood/Frame: 1

Roof - Metal: 1

Siding - Stucco: 1

Balcony: 1

Fenced Back Yard: 1

Fenced Privacy: 1

Patio Covered: 1

Cash: 1

Conventional: 1

USDA: 1

VA: 1

Other: 1

Furnished: 1

Second: 1

Second: 1

Near Beach Access: 1

Within 1/2 Mile to Water: 1

City Street: 1

Driveway: 1

Garage Attached: 1

Garage Door Opener: 1

Paved: 1

Shared Driveway: 1

Resid Single Family: 1

Bedroom: 1

Kitchen: 1

Living Room: 1

Primary Bedroom: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

As Is: 1

Third: 1

First: 1

Second: 1

Third: 1

Ceiling Fan(s): 1

Central Air: 1

Central: 1

Attached: 1

Bathroom: 1

Bedroom: 1

Cooled: 1

Heated: 1

Kitchen: 1

Number of Bathrooms: 1

Number of Bedrooms: 1

Separate Entrance: 1

MBath Double Vanity: 1

MBath Separate Shwr: 1

MBath Tub - Soaking: 1

MBed Balcony: 1

Closed Circuit Camera(s): 1

Fire Sprinkler System: 1

Smoke Detector(s): 1