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$347,900

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 2 Full Baths
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TURN-KEY COVE HOME IS WAITING FOR YOU!! Lovingly cared for and clean as a whistle, this 1951 Florida cottage has been expanded to include a spacious living room, large master bedroom and master bathroom with dbl vanity and walk-in closet. The original bathroom has been updated. The original, gorgeous hardwood floors are still there. The new areas have engineered hardwood floors. Kit has lots of countertop space for food prep and lots of cabinets for storage. There is a gas stove top and 2 ovens for the chef of the house. All appliances convey which includes the refrigerator/freezer, washer and dryer, PLUS a stand alone freezer! A fabulous 30x16 screened porch where you can enjoy the outdoors, without the pests, was added to the home! Huge, beautifully treed backyard has plenty of room to enjoy the out of doors. Updates include all new PEX and PVC plumbing, updated Elec, dbl pane E-gas windows and new fans on the screened porch. Great value for a fabulous home. Age, lot size, room sizes, sq footage are estimates. Please measure if concerned.

Full Property Details for 109 N Cove Ln

General

  • Price: $347,900
  • Taxes: $2,382 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 780281
  • Updated: 12/2/2025
  • Added to Site: 100 day(s) ago

Interior

  • Number of Rooms: 12
  • Interior Features: Entrance Foyer, Utility Room
  • Appliances: Electric Oven, Electric Water Heater, Gas Cooktop
  • Flooring: Luxury Vinyl Plank

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Security/Safety: Smoke Detector(s)

Exterior

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

Parking

  • Parking Features: Circular Driveway, Gravel, No Garage

Location

  • County: Bay
  • Subdivision: Cove Terrace 2nd Add
  • Driving Directions: South on Hwy 77, crossing Bus 98 into the Cove, turn Left on Cherry St, then turn Left on N Cove Lane. Home on Left.

School Information

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

Community

  • Community Name: 02 - Bay County - Central

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

  • Architectural Style: Florida
  • Construction: Brick
  • Windows: Double Pane Windows
  • Sq. Ft. Source: Listing Agent
  • Year Built: 1951

Lot Features

  • Lot Size (Acres): 0.24
  • Lot Size (Sq. Ft.): 10,500
  • Lot Size: .24
  • Lot Dimensions: 75 x 140
  • Frontage: City Street
  • Lot Features: Paved
  • Zoning: Resid Single Family
  • Fencing (Description): Chain Link, Fenced, Privacy

Financial Considerations

  • Tax Amount: $2,382
  • Tax Year: 2024

Disclosures and Reports

  • Legal Description: COVE TERRACE 2ND ADD LOT 3 BLK 91 ORB 3952 P 954
  • Property ID: 21909-000-000

Listed by CENTURY 21 Commander Realty

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Listing agent

— 109 N Cove Ln —

  • CENTURY 21 Commander 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 109 N Cove Ln

School District:Bay County School District
NameGradesDistance
Merriam Cherry Street Elementary School
1125 Cherry Street, Panama City, FL 32401
PK-50.4 mi
Jinks Middle School
600 West 11th Street, Panama City, FL 32401
6-82.4 mi
Bay High School
1200 Harrison Avenue, Panama City, FL 32401
9-122.1 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 109 N Cove Ln Get Price Alerts and Save Property

Date
Details
Price
Change
Source
10/27/2025
Price Reduced
$347,900
-0.17%
MLS
10/10/2025
Listed
$348,500
—
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 109 N Cove Ln

Year
Property Taxes
Change
Tax Assessment
Change
2024
$736
-9%
$78,773
3%
2023
$811
2%
$76,479
6%
2021
$793
-7%
$72,088
-3%
2022
$849
7%
$74,251
20%
2021
$793
63%
$61,877
-3%
2019
$487
7%
$63,973
2%
2018
$457
2%
$62,780
2%
2017
$448
—
$61,489
2%
2016
$450
-3%
$60,223
1%
2015
$462
2%
$59,804
1%
2014
$455
9%
$59,329
2%
2013
$419
—
$58,452
—
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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*These costs are estimates, and the interest rates assume exceptional credit standing.

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NMLS#: 1598647

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Listed by CENTURY 21 Commander Realty

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109 N Cove Lane, Panama City, FL 32401 (MLS# 780281) is a Single Family property with 4 bedrooms and 2 full bathrooms. 109 N Cove Lane is currently listed for $347,900 and was received on October 11, 2025. Want to learn more about 109 N Cove Lane? Do you have questions about finding other Single Family 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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