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$249,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
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Beautifully Updated 3-Bedroom Home Near Oakland Terrace Park - Owner Financing Available! Discover this charming and newly updated 3-bedroom, 2-bath home offering just under 1,100 sq. ft. of efficient, comfortable living space-perfect for first-time home buyers or anyone seeking a move-in-ready property in a prime location. This home has received numerous recent upgrades, including a new roof in 2019, new vinyl plank flooring, and all-new interior and exterior paint, giving it a fresh, modern, and inviting feel. The good-sized yard is ideal for relaxing, gardening, or entertaining, and the property also includes a detached building equipped with electrical-perfect for a future bonus room, studio, or workshop. Located in a highly desirable area, you'll love being within walking distance to Oakland Terrace Park, complete with basketball courts, tennis courts, baseball fields, and plenty of open space. Plus, you're only minutes from the beautiful and historic Downtown St. Andrews, known for its waterfront charm, local dining, shopping, and community events. An added bonus-the seller is offering owner financing, making this wonderful home even more accessible for qualified buyers. With its ideal location, modern upgrades, and flexible financing option, this home is a fantastic opportunity you won't want to miss!

Full Property Details for 1607 W 13th St

General

  • Price: $249,000
  • Taxes: $2,797 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 782795
  • Updated: 12/18/2025
  • Added to Site: 30 day(s) ago

Interior

  • Number of Rooms: 5
  • Appliances: Electric Range

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 3

Additional Information

  • Security/Safety: Smoke Detector(s)

Parking

  • Carports: Yes
  • Covered Spaces: 1

Location

  • County: Bay
  • Subdivision: Oakland Terrace Combs-Mathis Addition
  • Driving Directions: From Hwy 98/15th Street, go south on Lisenby Ave, turn right on 13th Street, home is located on the left.

School Information

  • Elementary School: Lucille Moore
  • 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
  • Sq. Ft. Source: Appraiser
  • Year Built: 1960

Additional Structures

  • Other Structures: Other

Lot Features

  • Lot Size (Acres): 0.17
  • Lot Size (Sq. Ft.): 7,405
  • Lot Size: .17
  • Lot Dimensions: 62 x 118
  • Lot Features: Paved
  • Zoning: Resid Single Family
  • Fencing (Description): Chain Link, Fenced

Financial Considerations

  • Tax Amount: $2,797
  • Tax Year: 2024

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: OAKLAND TERRACE ORIG. E 37 1/2 OF LOT 7 LESS THE S 25' ALSO THE W 25' OF LOT 8 LESS THE S 25' BLK 5 ORB 4307 P 1109
  • Property ID: 19203-000-000

Listed by Salty Marlin Realty LLC

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Listing agent

— 1607 W 13th St —

  • Salty Marlin 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 1607 W 13th St

School District:Bay County School District
NameGradesDistance
Lucille Moore Elementary School
1900 Michigan Avenue, Panama City, FL 32405
PK-51.4 mi
Jinks Middle School
600 West 11th Street, Panama City, FL 32401
6-81.2 mi
Bay High School
1200 Harrison Avenue, Panama City, FL 32401
9-121.7 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 1607 W 13th St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/18/2025
Listed
$249,000
43.47%
MLS
3/25/2024
Sold
$173,555
—
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 1607 W 13th St

Year
Property Taxes
Change
Tax Assessment
Change
2024
$2,797
5%
$158,373
11%
2023
$2,659
16%
$142,942
13%
2021
$2,287
-2%
$125,958
-3%
2022
$2,345
3%
$130,469
21%
2021
$2,287
1295%
$107,611
206%
2019
$164
-60%
$35,166
-37%
2018
$415
1%
$55,965
—
2017
$412
-52%
$55,962
—
2016
$859
-3%
$56,016
-1%
2015
$889
1%
$56,358
—
2014
$882
5%
$56,412
-3%
2013
$838
—
$57,908
—
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 1607 W 13th St

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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 Salty Marlin Realty LLC

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1607 W 13th Street, Panama City, FL 32401 (MLS# 782795) is a Single Family property with 3 bedrooms and 2 full bathrooms. 1607 W 13th Street is currently listed for $249,000 and was received on December 18, 2025. Want to learn more about 1607 W 13th Street? 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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