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$409,900 -$10,000 (-2.38%) Price Reduced

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • Updated 6 days ago
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Great Primary Residence or Short-Term Rental Opportunity in Panama City Beach! This beautifully upgraded 2021 3BR/2BA home offers a split floor plan with tray ceilings in the living room and master suite. Recent updates include new LVP flooring, quartz countertops throughout, tile backsplash, new refrigerator and stove, shiplap electric fireplace, fresh paint, recessed lighting, upgraded plumbing fixtures, and door hardware. Custom wooden shelving has been added to all closets and the pantry for excellent organization and storage. The home is pre-wired for two Tesla chargers and sits on a small, low-maintenance yard with new Zoysia grass and palm trees. Additional storage is available above the garage. Short-term rentals are allowed, and most furnishings are negotiable, making this a turnkey income-producing property. As a 2021 build, it benefits from some of the lowest insurance premiums on the beach along with a newer roof, AC, and major systems. The community features one of the lowest HOA fees in the area and includes a dog park. Located less than 1 mile from the marina with boat slips and launch, Navy base, and sports complex, this home is just 3 miles from the Gulf beaches. The nearby sports complex drives strong rental demand from traveling baseball teams and tournaments. Perfect as a personal beach home or for generating income, with a projected annual gross rental income of $42,000. This is a move-in ready gem--reach out today for more details or to schedule a showing!

Full Property Details for 517 Cove Villa St

General

  • Price: $409,900
  • Taxes: $2,775 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 790954
  • Updated: 6/17/2026
  • Added to Site: 12 day(s) ago

Interior

  • Number of Rooms: 5
  • Interior Features: Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)
  • Appliances: Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 3

Additional Information

  • Shared Amenities: Other, See Remarks

Exterior

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

Parking

  • Garage: Yes
  • Garage Spaces: 2

Location

  • County: Bay
  • Subdivision: Emerald Cove Villas
  • Driving Directions: Heading West on Hwy 98 over the Hathaway Bridge turn right on Wildwood Road. Go to Emerald Cove and turn left. Traveling East on Hwy 98 take the Thomas Drive/ Navy Base exit. Turn left at light and then stay to right. Do not go over the bridge. At next Traffic light turn left onto Wildwood Rd. Emerald Cove is on the left. Model located at 310 Emerald Cove Street PCB FL 32407.

School Information

  • Elementary School: Breakfast Point
  • Middle School: Breakfast Point
  • High School: Arnold

Community

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

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air
  • Heating Type: Central

Utilities

  • Sewer: Public Sewer

Structural Information

  • Architectural Style: Coastal
  • Construction: HardiPlank Type
  • Roof: Composition, Shingle, Shake
  • Sq. Ft. Source: Appraiser
  • Year Built: 2021

Lot Features

  • Lot Size (Acres): 0.11
  • Lot Size (Sq. Ft.): 4,966
  • Lot Size: .11
  • Lot Dimensions: 50 x 100 x 50 x 100
  • Frontage: City Street
  • Lot Features: Sprinkler System
  • Zoning: Resid Single Family

Financial Considerations

  • Tax Amount: $2,775
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: EMERALD COVE VILLAS LOT 24 ORB 4471 P 1206
  • Property ID: 27541-500-048

Listed by Blue Bird Woliver Realty

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Listing agent

— 517 Cove Villa St —

  • Blue Bird Woliver Realty

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 517 Cove Villa St

School District:Bay County School District
NameGradesDistance
Breakfast Point Academy
601 N Richard Jackson Boulevard, Panama City Beach, FL 32407
K-83.4 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-123.3 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 517 Cove Villa St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
6/17/2026
Price Reduced
$409,900
-2.38%
MLS
6/12/2026
Listed
$419,900
18.71%
MLS
9/30/2021
Sold
$353,725
—
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 517 Cove Villa St

Year
Property Taxes
Change
Tax Assessment
Change
2024
$4,200
—
$262,042
-23%
2024
$4,200
4%
$339,332
—
2023
$4,050
751%
$338,147
752%
2021
$476
-85%
$39,689
-86%
2022
$3,270
587%
$279,225
525%
2021
$476
108%
$44,700
140%
2019
$229
—
$18,623
—
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 Blue Bird Woliver Realty

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517 Cove Villa Street, Panama City Beach, FL 32407 (MLS# 790954) is a Single Family property with 3 bedrooms and 2 full bathrooms. 517 Cove Villa Street is currently listed for $409,900 and was received on June 12, 2026. Want to learn more about 517 Cove Villa 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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