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$847,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • 1,600 Sq. Ft.

Next open house:

Open House: 12:00 PM - 3:00 PM

Sunday 1/18 12:00 PM - 3:00 PM

4109 Ocean Street,Panama City Beach, FL 32408

4109 Ocean StreetPanama City BeachFL32408

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Welcome to your slice of coastal paradise just steps from sugar-white sand and emerald waters--no roads to cross, no HOA, and your own PRIVATE POOL. This beach home offers walkable Gulf access, beach views, and resort-style living, perfect as a full-time residence, second home, or income-producing retreat. Enjoy dining, entertainment, and the heart of beach life. Highlights include a private backyard oasis with pool and outdoor shower, hardwood floors, Silver Pearl granite, stainless appliances, touch faucet, and electric fireplace. Outdoor living shines with two balconies, a porch flowing to the pool, and a converted garage game room. With no HOA, walkability, and peak season near, this rare coastal gem won't last.

Full Property Details for 4109 Ocean St

General

  • Price: $847,000
  • Taxes: $5,446 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 990993
  • Updated: 12/8/2025
  • Added to Site: 39 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Garage, Kitchen, Master Bedroom
  • Interior Features: Breakfast Bar, Ceiling Cathedral, Fireplace Gas, Floor Hardwood, Furnished - All, Window Treatment All
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Smoke Detector, Smooth Stovetop Rnge, Washer

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 3

Other Rooms

  • Kitchen: Kitchen

Additional Information

  • Shared Amenities: Pets Allowed, Pool, Short Term Rental - Allowed
  • Pool: Yes

Exterior

  • Exterior Features: Balcony, BBQ Pit/Grill, Fenced Back Yard, Fenced Privacy, Fireplace, Pool - In-Ground, Porch, Shower

Parking

  • Garage: Yes
  • Parking: Garage Attached

Location

  • Area: 27 - Bay County
  • County: Bay
  • Subdivision: Cottages on Ocean
  • Driving Directions: From Panama City, take US-98 W over the Hathaway Bridge toward Panama City Beach. Continue on US-98 (Back Beach Rd). Turn left onto Hwy 79 (Arnold Rd) toward the beach. Turn right onto Front Beach Rd and continue west. Turn right onto Lullwater Dr, then left onto Ocean St. Property will be on the right at 24109 Ocean St.

School Information

  • Elementary School: Patronis
  • Middle School: Surfside
  • High School: Arnold

Heating & Cooling

  • Heating/Cooling: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect

Utilities

  • Utility Description: Electric, Public Sewer, Public Water, TV Cable

Structural Information

  • Architectural Style: Florida Cottage
  • Construction: Roof Dimensional Shg, Stucco
  • Stories/Levels: 2
  • Square Feet: 1,600
  • Sq. Ft. Source: County PA Records
  • Year Built: 2003

Lot Features

  • Property View: Gulf
  • Lot Size (Acres): 0.07
  • Lot Dimensions: 30 x 100
  • Street/Road Desc.: City Road
  • Lot Features: Within 1/2 Mile to Water
  • Zoning: Resid Single Family

Financial Considerations

  • Tax Amount: $5,446
  • Tax Year: 2024
  • Terms: Conventional, FHA, VA

Disclosures and Reports

  • Legal Description: COTTAGES ON OCEAN SUB UNIT 4 FORMERLY KWN AS FOLLOWING DESC BEL AIR COM AT NLY COR LOT 1 SWLY 90' FOR POB TH SELY 100' TO SELY LINE LOT 2 SWLY 30' TO SLY COR LOT 2 NWLY 100' TO WLY COR LOT 1 NELY 30' TO POB BEING PART OF LOTS 1 & 2 BLK 15 AKA PCL #4 ORB 4542 P 234
  • APN: 30388-000-000

Listed by Coastal Living Realty & Associates LLC

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Listing agent

— 4109 Ocean St —

  • Coastal Living Realty & Associates 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 4109 Ocean St

School District:Bay County School District
NameGradesDistance
Patronis Elementary School
7400 Patronis Dr, Panama City Beach, FL 32408
K-51.3 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-85.1 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 Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 4109 Ocean St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/08/2025
Listed
$847,000
117.18%
MLS
7/20/2018
Sold
$390,000
—
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 4109 Ocean St

Year
Property Taxes
Change
Tax Assessment
Change
2024
$5,446
3%
$507,575
1%
2023
$5,274
41%
$502,467
63%
2021
$3,729
-1%
$307,600
-4%
2022
$3,753
1%
$321,006
-2%
2021
$3,729
-7%
$328,016
1%
2019
$4,023
76%
$323,296
68%
2013
$2,282
—
$191,949
—
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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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Listed by Coastal Living Realty & Associates LLC

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4109 Ocean Street, Panama City Beach, FL 32408 (MLS# 990993) is a Single Family property with 3 bedrooms and 2 full bathrooms. 4109 Ocean Street is currently listed for $847,000 and was received on December 08, 2025. Want to learn more about 4109 Ocean 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.

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