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$270,000 Sale Pending

  • For Sale
  • Pending
  • Townhouse
  • 3 Beds
  • 3 Full Baths
  • Updated 1 day ago
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**BEST PRICED PALM COVE TOWNHOME** This roomy 3-bedroom, 3-bath townhome is your chance to own a slice of Panama City Beach without breaking the bank. Whether you're looking for your own coastal oasis or a short-term rental moneymaker, this spot checks all the boxes. Step inside and you're greeted by vaulted ceilings, tons of natural light, and an open layout that just feels good. New Carpet, flooring, and fixtures throughout the home. The main level features new floors, a spacious living area, and a bright kitchen with plenty of cabinet space, a breakfast bar, and stainless steel appliances. Head upstairs to a private loft-style bedroom with its own full bath, perfect for guests or Airbnb setups. Out back, you've got a private covered patio, ideal for post-beach chill sessions, grilling, or kicking back with a cold drink. The exterior is low-maintenance, the HOA is minimal, and the location? You're minutes to the beach, Pier Park, Shipwreck Island, St. Andrews State Park, shopping, dining, and all the tourist favorites that make PCB a vacation hotspot. Solid bones, fresh updates, and the flexibility to live in it, rent it out, or do both. Don't let this opportunity slip by-affordable beach-town real estate like this doesn't come along every day.

Full Property Details for 186 White Cap Wy

General

  • Price: $270,000
  • HOA FEE: $166/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: (2025)
  • Status: Pending
  • Type: Townhouse
  • Source: Bay_County
  • MLS ID: 793243
  • Updated: 8/7/2026
  • Added to Site: 12 day(s) ago

Interior

  • Number of Rooms: 4
  • Interior Features: Interior Steps, Main Level Primary, Tub Shower, Loft
  • Appliances: Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 3

Additional Information

  • Shared Amenities: Gated
  • Pool: Yes
  • Pool Description: Community
  • Security/Safety: Gated Community, 24 Hour Security, Security Gate

Exterior

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

Parking

  • Parking Features: Gated

Location

  • County: Bay
  • Subdivision: Palm Cove
  • Driving Directions: From Hathaway Bridge, traveling west on PCB Pkwy. Turn left onto R Jackson Blvd. At the light, turn right onto Hutchison Blvd. In a half mile turn right into Palm Cove (Emerald Coast Club Blvd), turn right onto Cabana Ct. Turn right onto Sand Castle Ln, then left onto White Cap Way. Home will be on the left.

School Information

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

Community

  • Community Name: 03 - Bay County - Beach
  • Association: Yes
  • Assoc. Fees Include: Association Management, Legal/Accounting, Playground, Pool(s), Trash

Heating & Cooling

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

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electricity Available

Structural Information

  • Structure Type: Townhouse
  • Construction: Stucco
  • Roof: Shingle
  • Sq. Ft. Source: Listing Agent
  • Year Built: 2005

Lot Features

  • Lot Size (Acres): 0.04
  • Lot Size (Sq. Ft.): 1,612
  • Lot Size: .04
  • Lot Dimensions: 63 x 25
  • Lot Features: Paved
  • Zoning: Resid Single Family

Financial Considerations

  • Association Fee: $497
  • Assoc Fee Freq.: Quarterly
  • Tax Year: 2025

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: PALM COVE PH 3 LOT 228 ORB 2415 P 1667 ORB 2723 P 600
  • Property ID: 34039-796-000

Listed by Think Real Estate

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— 186 White Cap Wy —

  • Think Real Estate

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with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 186 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
9-121.1 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 186 White Cap Wy Get Price Alerts and Save Property

Date
Details
Price
Change
Source
7/28/2026
Listed
$270,000
37.13%
MLS
12/27/2005
Sold
$196,900
—
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 186 White Cap Wy

Year
Property Taxes
Change
Tax Assessment
Change
2024
$2,464
—
$179,078
-26%
2024
$2,464
2%
$242,455
—
2023
$2,412
44%
$243,117
61%
2021
$1,673
-4%
$150,714
-7%
2022
$1,749
5%
$162,295
8%
2021
$1,673
30%
$149,831
48%
2019
$1,285
-2%
$101,085
1%
2018
$1,316
11%
$99,899
10%
2017
$1,185
-2%
$90,817
-1%
2016
$1,205
7%
$91,333
11%
2015
$1,122
—
$82,008
—
2014
$1,124
18%
$82,275
5%
2013
$952
—
$78,106
—
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.

Estimate the Cost for 186 White Cap Wy

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186 White Cap Way, Panama City Beach, FL 32407 (MLS# 793243) is a Townhouse property with 3 bedrooms and 3 full bathrooms. 186 White Cap Way is currently listed for $270,000 and was received on July 28, 2026. Want to learn more about 186 White Cap Way? Do you have questions about finding other Townhouse 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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