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$378,800
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Property Description
MOTIVATED SELLERS! Just half a mile from public beach access and the white-sand beaches, this 3-bedroom, 2-bath home puts the best of the beach lifestyle just around the corner, all with NO HOA! Start the morning walking, biking, or golf-carting to a local coffee shop and a walk along the beach, and come home to a comfortable, spacious layout designed for everyday living. Inside, 9-foot ceilings, crown molding throughout, abundant natural light and decorative wainscoting add character from the moment you walk in. The open living area offers plenty of room to gather, with space for an additional dining area, while the charming breakfast nook creates its own sunny spot for morning coffee or casual meals. The kitchen opens to the main living space and features generous cabinetry, ample counter space and stainless steel appliances. The home's coastal-inspired color palette gives it plenty of personality, while also offering an easy opportunity for a new owner to make the space completely their own with simple cosmetic updates and finishes that fit their style. The primary suite includes a bathroom with separate soaking tub and shower, and two additional bedrooms provide flexibility for guests, family, a home office, or hobby space. Outside, enjoy a quiet, fenced backyard with a covered porch for relaxing, grilling, or entertaining, and an irrigation system to help maintain the yard. A whole-house water filtration system adds even more benefit! Residents also have access to a shared residential lot, offering a convenient area commonly used for overflow parking and recreational vehicles*. Conveniently located near Hutchison Beach Elementary, Surfside Middle School, and Arnold High School, the home is also just minutes from Pier Park shopping, dining, and entertainment. 118 Gardenia makes it easy to enjoy the best of Panama City Beach while still having the space and comfort of a full-time home! *Buyer to verify permitted uses.
Full Property Details
Full Property Details for 118 Gardenia St
General
- Price: $378,800
- Taxes: $2,303 (2025)
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 793885
- Updated: 8/25/2026
- Added to Site: 14 day(s) ago
Interior
- Number of Rooms: 10
- Interior Features: Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)
- Appliances: Electric Range, Electric Water Heater, Water Purifier Owned, Water Softener Owned
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Additional Information
- Security/Safety: Smoke Detector(s)
Exterior
- Porch/Patio/Deck: Covered, Porch
Parking
- Garage: Yes
- Garage Spaces: 2
Location
- County: Bay
- Subdivision: Gardenia Beach
- Driving Directions: From Hathaway Bridge, travel west on Hwy 98/Panama City Beach Parkway. Turn left onto Gardenia Street. Continue south on Gardenia Street; 118 Gardenia St will be on the right.
School Information
- Elementary School: Hutchison Beach
- Middle School: Surfside
- High School: Arnold
Community
- Community Name: 03 - Bay County - Beach
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air, Ceiling Fan(s)
- Heating Type: Central, Electric
Utilities
- Sewer: Public Sewer
Structural Information
- Architectural Style: Contemporary
- Construction: Stucco
- Sq. Ft. Source: Appraiser
- Year Built: 2008
Lot Features
- Lot Size (Acres): 0.09
- Lot Size (Sq. Ft.): 3,920
- Lot Size: .09
- Lot Dimensions: 40 x 100
- Lot Features: Sprinkler System, Paved
- Zoning: Resid Single Family
- Fencing (Description): Fenced, Privacy
Financial Considerations
- Tax Amount: $2,303.43
- Tax Year: 2025
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: GARDENIA BEACH LOT 19 ORB 4749 P 501
- Property ID: 34479-600-019
Listed by eXp Realty LLC
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Schools
Schools serving 118 Gardenia St
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Hutchison Beach Elementary School 12900 Middle Beach Rd, Panama City, FL 32407 | K-5 | 0.3 mi |
Surfside Middle School 300 Nautilus Street, Panama City Beach, FL 32413 | 6-8 | 0.8 mi |
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407 | 9-12 | 1.5 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 118 Gardenia St
Date
Details
Price
Change
Source
8/12/2026
Listed
$378,800
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 118 Gardenia St
Year
Property Taxes
Change
Tax Assessment
Change
2025
$2,303
3%
$214,542
3%
2024
$2,238
3%
$208,496
3%
2023
$2,180
11%
$202,423
6%
2021
$1,956
—
$190,803
-3%
2022
$1,965
—
$196,527
4%
2021
$1,956
5%
$188,169
2%
2019
$1,868
-14%
$183,938
8%
2018
$2,175
19%
$170,808
10%
2017
$1,823
—
$155,280
—
2016
$1,823
3%
$155,898
6%
2015
$1,773
—
$146,931
—
2014
$1,769
9%
$146,751
-1%
2013
$1,626
—
$148,801
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 118 Gardenia St
118 Gardenia Street, Panama City Beach, FL 32407 (MLS# 793885) is a Single Family property with 3 bedrooms and 2 full bathrooms. 118 Gardenia Street is currently listed for $378,800 and was received on August 12, 2026. Want to learn more about 118 Gardenia Street? Do you have questions about finding other Single Family real estate for sale in Panama City Beach? You can browse all Panama City Beach real estate or contact a Coldwell Banker agent to request more information.

