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$495,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • Updated 8 days ago
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Palmetto Trace w/ community pool! Located in the highly sought-after Palmetto Trace community, this 3-bedroom, 2-bath home puts you right in the center of Panama City Beach--just minutes from Pier Park, Frank Brown Park, and the beach. Inside, you'll find a functional split floor plan with an open living space, vaulted ceilings, and plenty of natural light. The kitchen flows easily into the main living and dining areas, making it practical for everyday living and easy to entertain when needed. Fresh interior paint gives the home a clean, updated feel. The primary suite is set apart from the secondary bedrooms and offers good space, a walk-in closet, and a private bath with double vanities. On the opposite side of the home, two additional bedrooms and a full bath provide flexibility for guests, family, or a home office. Out back, enjoy a screened-in patio that gives you that indoor-outdoor living buyers want, along with a fenced yard that's easy to maintain. With a roof replaced in 2023 and access to two community pools, this home checks the boxes for both comfort and peace of mind. Palmetto Trace is golf cart-friendly, with sidewalks throughout, making it easy to get around and enjoy everything nearby. You're just minutes from Pier Park, with quick access to shopping, dining, nightlife, and entertainment, including local favorites, beach access, and Topgolf. If you're looking for location, convenience, and a solid home in a strong price range, this one is worth a look. Schedule your showing today.

Full Property Details for 232 Middleburg Dr

General

  • Price: $495,000
  • Taxes: $4,852 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 788660
  • Updated: 6/11/2026
  • Added to Site: 59 day(s) ago

Interior

  • Number of Rooms: 6
  • Interior Features: Double Vanity, Main Level Primary, Walk-In Closet(s)
  • Appliances: Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 3

Additional Information

  • Pool: Yes
  • Pool Description: In Ground, Community

Exterior

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

Location

  • County: Bay
  • Subdivision: Palmetto Trace Phase IV
  • Driving Directions: West on Panama City Beach Parkway, travel past Pier Park and turn right onto Pier Park Drive. Turn right onto Brunswick Blvd. into Palmetto Trace. Turn right onto Middleburg Drive. Home is on the left.

School Information

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

Community

  • Community Name: 03 - Bay County - Beach
  • Association: Yes

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: Underground Utilities

Structural Information

  • Architectural Style: Contemporary
  • Construction: Stucco
  • Roof: Composition, Shingle
  • Sq. Ft. Source: Appraiser
  • Year Built: 2006

Lot Features

  • Lot Size (Acres): 0.2
  • Lot Size (Sq. Ft.): 8,712
  • Lot Size: .2
  • Lot Dimensions: 65 x 130
  • Lot Features: Paved
  • Zoning: Resid Single Family
  • Fencing (Description): Fenced

Financial Considerations

  • Tax Amount: $4,852
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: PALMETTO TRACE PHASE IV LOT 318 ORB 4128 P 1967
  • Property ID: 32738-980-233

Listed by EXP Realty LLC

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Listing agent

— 232 Middleburg Dr —

  • EXP Realty LLC

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 232 Middleburg Dr

School District:Bay County School District
NameGradesDistance
Hutchison Beach Elementary School
12900 Middle Beach Rd, Panama City, FL 32407
K-52.7 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-81.6 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-123.5 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 232 Middleburg Dr Get Price Alerts and Save Property

Date
Details
Price
Change
Source
5/19/2026
Price Reduced
$495,000
-5.71%
MLS
4/21/2026
Listed
$525,000
65.09%
MLS
5/28/2019
Sold
$318,000
—
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 232 Middleburg Dr

Year
Property Taxes
Change
Tax Assessment
Change
2024
$4,777
—
$394,770
1%
2024
$4,777
5%
$389,058
3%
2023
$4,552
30%
$376,449
29%
2021
$3,502
-10%
$291,397
-18%
2022
$3,880
11%
$354,807
27%
2021
$3,502
32%
$279,696
10%
2019
$2,652
12%
$254,870
13%
2018
$2,364
11%
$225,382
2%
2017
$2,132
-1%
$220,746
-1%
2016
$2,159
4%
$222,719
6%
2015
$2,080
1%
$209,843
1%
2014
$2,057
9%
$208,178
—
2013
$1,882
—
$208,717
—
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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NMLS#: 1598647

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Listed by EXP Realty LLC

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232 Middleburg Drive, Panama City Beach, FL 32413 (MLS# 788660) is a Single Family property with 3 bedrooms and 2 full bathrooms. 232 Middleburg Drive is currently listed for $495,000 and was received on April 21, 2026. Want to learn more about 232 Middleburg Drive? 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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