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$339,900

  • For Sale
  • Under Contract
  • Single Family
  • 3 Beds
  • 2 Full Baths
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CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Turnkey and fully updated, this three-bedroom, two-bathroom home in the gated Palm Cove community offers the ideal setup for a full-time residence or an immediate rental property. This house is being sold mostly furnished with all-new furniture. Recent interior updates include new flooring, fresh paint throughout, new light fixtures and more. The newly installed vinyl plank flooring and furniture offer both modern appeal and the durability needed for the beach lifestyle. The attached one-car garage provides dedicated parking and storage. Outside, a new raised concrete patio overlooks a large wooded area that only a handful of homes in the community back up to. Residents of the Palm Cove subdivision enjoy access to a community pool and playground. This home is situated in the heart of Panama City Beach, just over a mile from one of the main public beach areas and near local restaurants like Saltwater Grill, Bella Roma Tuscan Grill, and Firefly. This home offers a great opportunity to join the beachy Florida lifestyle without breaking the bank!

Full Property Details for 138 White Cap Wy

General

  • Price: $339,900
  • HOA FEE: $166/month
  • HOA FEE FREQ.: Quarterly
  • Status: Under Contract
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 792988
  • Updated: 8/17/2026
  • Added to Site: 75 day(s) ago

Interior

  • Number of Rooms: 4
  • Interior Features: Double Vanity, Main Level Primary, Tub Shower, Walk-In Closet(s)
  • Appliances: Electric Oven, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 3

Additional Information

  • Shared Amenities: Gated
  • Pool: Yes
  • Pool Description: Community
  • Security/Safety: Gated Community, Security Service

Exterior

  • Exterior Features: Deck, Patio
  • Porch/Patio/Deck: Deck, Covered, Patio

Parking

  • Garage: Yes
  • Garage Spaces: 1

Location

  • County: Bay
  • Subdivision: Palm Cove Phase III
  • Driving Directions: Heading West on Middle Beach Rd from R. Jackson Blvd, turn right into Palm Cove. Take the first right on Cabana Court through gate. Turn right on Sand Castle Lane. Continue to the end, take a left on White Cap Way. House is straight ahead at the end of the road.

School Information

  • Elementary School: Hutchison Beach
  • Middle School: Surfside
  • High School: Arnold

Community

  • Community Name: 03 - Bay County - Beach
  • Association: Yes
  • Assoc. Fees Include: Maintenance Grounds, Playground, Pool(s), Trash

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Electric

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electricity Available

Structural Information

  • Architectural Style: Coastal
  • Construction: Vinyl Siding
  • Roof: Composition, Shingle
  • Stories/Levels: 1
  • Sq. Ft. Source: Appraiser
  • Year Built: 2006

Lot Features

  • Lot Size (Acres): 0.11
  • Lot Size (Sq. Ft.): 4,792
  • Lot Size: .11
  • Lot Dimensions: 50 x 109 x 34 x 109
  • Lot Features: Paved
  • Zoning: Resid Single Family

Financial Considerations

  • Association Fee: $497
  • Assoc Fee Freq.: Quarterly

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: PALM COVE PH 3 LOT 201 ORB 3891 P 512
  • Disclosures/Rstr.: Accepting Backup Offers
  • Property ID: 34039-769-000

Listed by Beachy Beach Real Estate

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— 138 White Cap Wy —

  • Beachy Beach Real Estate

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NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 138 White Cap Wy

School District:Bay County School District
NameGradesDistance
Hutchison Beach Elementary School
12900 Middle Beach Rd, Panama City, FL 32407
K-51.3 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-82.4 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-121 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 138 White Cap Wy Get Price Alerts and Save Property

Date
Details
Price
Change
Source
7/28/2026
Listed
$339,900
17.21%
MLS
10/23/2025
Sold
$290,000
—
Public Record
Get Price Alerts and Save Property
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 for 138 White Cap Wy

Year
Property Taxes
Change
Tax Assessment
Change
2024
$1,546
—
$166,460
3%
2024
$1,546
2%
$161,769
3%
2023
$1,516
11%
$157,057
6%
2021
$1,362
—
$148,042
-3%
2022
$1,363
—
$152,483
4%
2021
$1,362
2%
$145,998
2%
2019
$1,331
—
$142,716
1%
2018
$1,332
—
$141,022
37%
2017
$1,338
-2%
$103,013
—
2016
$1,368
-4%
$103,468
-1%
2015
$1,424
-1%
$104,850
-2%
2014
$1,443
12%
$106,478
-1%
2013
$1,291
—
$107,118
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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138 White Cap Way, Panama City Beach, FL 32407 (MLS# 792988) is a Single Family property with 3 bedrooms and 2 full bathrooms. 138 White Cap Way is currently listed for $339,900 and was received on July 28, 2026. Want to learn more about 138 White Cap Way? 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.

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