109 N Palo Alto Avenue, Panama City, FL 32401 - Photo 1

1/1

$329,900

Sold
Closed
Single Family
3 Beds
1 Full Bath
1 Partial Bath

1/1

Property Description

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

Full Property Details for 109 N Palo Alto Ave

General

Sold For: $329,900
Taxes: $2,971 (2024)
Status: Closed
Type: Single Family
Source: Bay_County
MLS ID: 777943
Added to Site: 196 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
Sold by Dalton Wade Inc

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— 109 N Palo Alto Ave —

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Schools

Schools serving 109 N Palo Alto Ave

School District:Bay County School District

Name	Grades	Distance
Merriam Cherry Street Elementary School 1125 Cherry Street, Panama City, FL 32401	PK-5	0.2 mi
Jinks Middle School 600 West 11th Street, Panama City, FL 32401	6-8	2 mi
Bay High School 1200 Harrison Avenue, Panama City, FL 32401	9-12	1.8 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

Date

Details

Price

Change

Source

2/02/2026

Sold

$329,900

—

MLS

9/03/2025

Price Reduced

$329,900

-2.97%

MLS

8/01/2025

Listed

$340,000

—

MLS

Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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109 N Palo Alto Avenue, Panama City, FL 32401 (MLS# 777943) is a Single Family property that was sold at $329,900 on February 02, 2026. 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.

109 N Palo Alto Ave Panama City, FL 32401