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$329,900 Sale Pending

  • For Sale
  • Pending
  • Single Family
  • 3 Beds
  • 1 Full Bath
  • 1 Partial Bath
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Live in the highly coveted Cove neighborhood! This 3/1.5 Florida Cottage has evolved since it was originally built in 1958 to the extent that the Bay County Property Assessor's Office reports the effective year built is 2018!! Enter into the open concept living area where Living Room, sunken Family Room and upgraded Kitchen are all connected for outstanding entertaining opportunities where people can easily interact. Three bedrooms are conveniently located, and this floor plan just makes good practical sense. The interior paint is crisp, warm and in great taste. Too many updates, upgrades and enhancements to list but here are just a few: New Roof in 2019. All new Interior Paint in 2023 along with a New Deck. Dishwasher and Interior Lights replaced in 2024. In 2025: New LVP Flooring throughout; Baseboards, Kitchen upgrade with Granite Countertops, Backsplash, Cabinets, Paint; Half-bath update and New Sewer Line connected to the City sewer line. The back yard is nicely fenced -in and there is an 8'x16' storage building with plenty of room. This is a spacious quarter acre lot (145'x75') and the deck in back is awesome for enjoying a morning cup of coffee with privacy. Convenient to virtually everything in downtown Panama City and only minutes to one of the world's top ten beaches on the Gulf of America! Reach out to your favorite Realtor and set up a showing today!

Full Property Details for 109 N Palo Alto Ave

General

  • Price: $329,900
  • Taxes: $2,971 (2024)
  • Status: Pending
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 777943
  • Updated: 12/10/2025
  • Added to Site: 150 day(s) ago

Interior

  • Number of Rooms: 13
  • Interior Features: Entrance Foyer, Storage
  • Appliances: Electric Cooktop, Electric Water Heater
  • Flooring: Luxury Vinyl Plank

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 1
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 3

Location

  • County: Bay
  • Subdivision: Cove Terrace 3rd Add
  • Driving Directions: From Hwy 98 travel South on N Cove Blvd to E Second Street. Turn East onto E Second Street and follow it as it curves to the South (right) and turns into North Palo Alto Avenue. Home is on the West (Right) side of the street.

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
  • Heating Type: Electric, Forced Air

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electricity Available

Structural Information

  • Architectural Style: Florida
  • Sq. Ft. Source: Appraiser
  • Year Built: 1958

Lot Features

  • Lot Size (Acres): 0.25
  • Lot Size (Sq. Ft.): 10,890
  • Lot Size: .25
  • Lot Dimensions: 145' x 75'
  • Frontage: City Street
  • Zoning: City, Resid Single Family
  • Fencing (Description): Fenced

Financial Considerations

  • Tax Amount: $2,971
  • Tax Year: 2024

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: COVE TERRACE 3RD ADD LOT 7 BLK F ORB 868 P 297 ORB 2793 P 1850 ORB 2865 P 700 ORB 4672 P 437
  • Property ID: 22016-000-000

Listed by LPT Realty LLC

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Listing agent

— 109 N Palo Alto Ave —

  • LPT 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 109 N Palo Alto Ave

School District:Bay County School District
NameGradesDistance
Merriam Cherry Street Elementary School
1125 Cherry Street, Panama City, FL 32401
PK-50.2 mi
Jinks Middle School
600 West 11th Street, Panama City, FL 32401
6-82 mi
Bay High School
1200 Harrison Avenue, Panama City, FL 32401
9-121.8 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 Palo Alto Ave Get Price Alerts and Save Property

Date
Details
Price
Change
Source
9/03/2025
Price Reduced
$329,900
-2.97%
MLS
8/01/2025
Listed
$340,000
26.82%
MLS
3/24/2023
Sold
$268,100
—
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 109 N Palo Alto Ave

Year
Property Taxes
Change
Tax Assessment
Change
2024
$2,971
-6%
$220,496
27%
2023
$3,155
22%
$173,692
14%
2021
$2,581
-6%
$152,350
-3%
2022
$2,758
7%
$157,507
172%
2021
$2,581
481%
$57,855
2%
2019
$444
-32%
$56,791
-32%
2018
$654
1%
$83,065
1%
2017
$647
2%
$82,586
2%
2016
$636
-2%
$80,887
1%
2015
$651
2%
$80,325
—
2014
$641
9%
$79,956
2%
2013
$586
—
$78,774
—
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 109 N Palo Alto Ave

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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 LPT Realty LLC

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109 N Palo Alto Avenue, Panama City, FL 32401 (MLS# 777943) is a Single Family property with 3 bedrooms, 1 full bathroom and 1 partial bathroom. 109 N Palo Alto Avenue is currently listed for $329,900 and was received on August 21, 2025. Want to learn more about 109 N Palo Alto Avenue? 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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