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$399,000

  • For Sale
  • Active
  • Condo
  • 3 Beds
  • 3 Full Baths
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MOTIVATED SELLER! Now offered with a $96,000 price reduction, this rare double-unit waterfront residence at The Cove presents an exceptional opportunity for both luxury living and investment potential. Originally Units 604 and 605, this expansive 2,701 sq. ft. bayfront residence was thoughtfully combined into one remarkable home. For buyers seeking flexibility, the property offers the unique possibility of being converted back into two separate condominium units, creating the potential for increased rental income, resale opportunities, or multigenerational living. Framed by sweeping views of St. Andrews Bay and Shell Island, this mid-century-inspired residence features full-height sliders spanning the length of the home, opening to two spacious balconies and creating a seamless connection to the waterfront. Automated hurricane shutters and remote-controlled sunshades provide comfort, convenience, and peace of mind. Recent updates include refreshed parquet flooring, designer lighting, and freshly painted interiors. The chef's kitchen is equipped with a Wolf cooktop, Maytag oven, and built-in JennAir microwave. Three private bedroom suites each feature their own full bath, while the owner's suite offers balcony access, panoramic bay views, and dual custom walk-in closets. A bayfront office with built-ins creates an inspiring workspace overlooking the water. Additional highlights include two recently replaced HVAC systems, two private storage units, and two dedicated parking spaces conveniently located near the elevator. Residents enjoy access to The Cove's waterfront pool, clubhouse, and private dock, all just minutes from Historic Downtown Panama City's thriving arts, dining, and entertainment district. This is a truly rare opportunity to own one of the largest and most distinctive waterfront residences in the area while also benefiting from the flexibility and value of what was originally two separate condominium units. Whether you're looking for an exceptional primary residence, second home, or investment opportunity, this property offers possibilities that are difficult to find on the Gulf Coast.

Full Property Details for 100 Cherry St #604

General

  • Price: $399,000
  • HOA FEE: $1,643/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $10,267 (2025)
  • Status: Active
  • Type: Condo
  • Source: Bay_County
  • MLS ID: 784711
  • Updated: 9/16/2026
  • Added to Site: 247 day(s) ago

Interior

  • Number of Rooms: 3
  • Interior Features: Balcony, Double Vanity, Main Level Primary, Tub Shower, Walk-In Closet(s)
  • Appliances: Convection Oven, Electric Cooktop, Electric Oven, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 3

Additional Information

  • Shared Amenities: Dock, Picnic Area, Storage
  • Pool: Yes
  • Pool Description: In Ground, Community
  • Security/Safety: Carbon Monoxide Detector(s), Fire Alarm, Smoke Detector(s)

Exterior

  • Exterior Features: Dock
  • Porch/Patio/Deck: Balcony

Parking

  • Parking Features: Additional Parking, Paved, Parking Lot

Location

  • County: Bay
  • Subdivision: Cove Condominium
  • Driving Directions: From Downtown Panama City, head east on E 3rd Street, which turns into Cherry Street. Continue straight, following Cherry Street as it curves left around the Massalina Bayou. 100 Cherry Street will be on your left, located just before the waterfront in the heart of the Cove neighborhood.

School Information

  • Elementary School: Cherry Street
  • Middle School: Jinks
  • High School: Bay

Community

  • Community Name: 02 - Bay County - Central
  • Association: Yes
  • Assoc. Fees Include: Clubhouse, Maintenance Grounds, Maintenance Structure, Pool(s), Recreation Facilities, Trash

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Multi Units
  • Heating Type: Central

Utilities

  • Sewer: Public Sewer
  • Utility Description: Cable Connected, Phone Connected

Structural Information

  • Architectural Style: Mid Rise
  • Construction: Concrete
  • Roof: Clay
  • Elevator: Yes
  • Stories/Levels: 7
  • Sq. Ft. Source: Appraiser
  • Year Built: 1975
  • Other Struct. Feat.: Dumpster

Additional Structures

  • Other Structures: Pool House

Lot Features

  • Property View: Bay
  • Lot Dimensions: 0 x 0
  • Lot Features: Paved
  • Zoning: Resid Multi-Family

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Bayfront, Seawall
  • Water Front View: Bayfront, Seawall
  • Boat Dock Slip: Yes

Financial Considerations

  • Association Fee: $4,930
  • Assoc Fee Freq.: Quarterly
  • Tax Amount: $10,267
  • Tax Year: 2025

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: COVE CONDOMINIUMS UNIT 604 TYPE B & 605 TYPE C 4BR 3B 2701 H&C ORB 3616 P 1967
  • Property ID: 25678-604-000

Listed by Corcoran Reverie

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Listing agents

— 100 Cherry St #604 —

  • Corcoran Reverie

  • Corcoran Reverie

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 100 Cherry St #604

School District:Bay County School District
NameGradesDistance
Merriam Cherry Street Elementary School
1125 Cherry Street, Panama City, FL 32401
PK-50.7 mi
Jinks Middle School
600 West 11th Street, Panama City, FL 32401
6-81.8 mi
Bay High School
1200 Harrison Avenue, Panama City, FL 32401
9-121.8 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 100 Cherry St #604 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
5/28/2026
Price Reduced
$399,000
-19.39%
MLS
2/04/2026
Listed
$495,000
—
MLS
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 100 Cherry St #604

Year
Property Taxes
Change
Tax Assessment
Change
2024
$3,573
—
$631,089
139%
2024
$3,573
-13%
$263,679
-57%
2023
$4,104
11%
$615,288
155%
2021
$3,683
-1%
$241,304
-39%
2022
$3,717
5%
$398,560
82%
2019
$3,546
-9%
$219,368
-15%
2018
$3,908
6%
$258,080
5%
2017
$3,684
-6%
$245,791
-4%
2016
$3,911
-3%
$255,000
—
2015
$4,021
7%
$255,000
6%
2014
$3,758
19%
$240,294
10%
2013
$3,164
—
$218,449
—
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 100 Cherry St #604

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*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Listed by Corcoran Reverie

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100 Cherry Street #604, Panama City, FL 32401 (MLS# 784711) is a Condo property with 3 bedrooms and 3 full bathrooms. 100 Cherry Street #604 is currently listed for $399,000 and was received on February 04, 2026. Want to learn more about 100 Cherry Street #604? Do you have questions about finding other Condo real estate for sale in Panama City? You can browse all Panama City real estate or contact a Coldwell Banker agent to request more information.

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