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$242,000
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Property Description
PRIME CORNER LOT "¢ UPDATED SYSTEMS "¢ INVESTOR FRIENDLY. Welcome to this exceptional corner-lot property ideally located just minutes from Historic St. Andrews, St. Andrews Bay, Downtown Panama City, shopping, dining, parks, and top-rated schools. Offering over 1,500 square feet of well-maintained living space, this move-in-ready home combines flexibility, location, and income-producing potential. Featuring two separate entrances, ample parking, and a versatile floor plan, the possibilities are endless for homeowners, investors, or those seeking additional space to customize. Recent improvements include a NEW A/C system, NEW water heater, remodeled kitchen, metal roof, and durable concrete block construction. The home's flexible layout offers opportunities for a home office, bonus room, guest space, or potential additional bedroom. Situated on a fully fenced corner lot, this property stands out as an excellent option for primary residence, vacation home, short-term rental, or long-term investment property. With no HOA restrictions and both short-term and long-term rentals allowed, this is a rare opportunity to maximize value in one of Panama City's most convenient locations. Whether you're searching for your next home or your next investment, this property offers the perfect combination of comfort, flexibility, and location. Don't miss your chance to own a property with unlimited potential just moments from the water, Historic St. Andrews, and everything Panama City has to offer!
Full Property Details
Full Property Details for 1609 W 13th St
General
- Price: $242,000
- Taxes: (2025)
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 791436
- Updated: 6/16/2026
- Added to Site: 71 day(s) ago
Interior
- Number of Rooms: 11
- Interior Features: Main Level Primary, Workshop
- Fireplace: Yes
- Appliances: Electric Oven, Electric Range, Electric Water Heater
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 1
- Half Bathrooms: 1
Bedrooms
- Total Bedrooms: 3
Exterior
- Porch/Patio/Deck: Covered, Porch
Location
- County: Bay
- Subdivision: Oakland Terrace Add
- Driving Directions: From 15th St (US 98 headed west) turn left onto Fortune Ave proceed to intersection of Fortune and W 13th St. turn left onto W 13th St, home is on the right.
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, Forced Air, Fireplace(s), Heat Pump
Utilities
- Sewer: Public Sewer
Structural Information
- Architectural Style: Ranch
- Construction: Block
- Roof: Metal
- Windows: Double Pane Windows
- Stories/Levels: 1
- Sq. Ft. Source: Owner
- Year Built: 1960
Lot Features
- Lot Size (Acres): 0.19
- Lot Size (Sq. Ft.): 8,276
- Lot Size: .19
- Lot Dimensions: 117.0 ft x 73.0 ft
- Frontage: City Street
- Lot Features: Paved
- Fencing (Description): Fenced
Financial Considerations
- Tax Year: 2025
Disclosures and Reports
- Legal Description: OAKLAND TERRACE ORIG LOT 6 LESS S 25' & THE W 12.5' LOT 7 LESS S 25' BLK 5 ORB 3204 P 1592 MAP 92B2
- Property ID: 19202-000-000
Listed by EXP Realty LLC
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Schools
Schools serving 1609 W 13th St
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Lucille Moore Elementary School 1900 Michigan Avenue, Panama City, FL 32405 | PK-5 | 1.4 mi |
Jinks Middle School 600 West 11th Street, Panama City, FL 32401 | 6-8 | 1.2 mi |
Bay High School 1200 Harrison Avenue, Panama City, FL 32401 | 9-12 | 1.7 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 1609 W 13th St
Date
Details
Price
Change
Source
6/16/2026
Listed
$242,000
231.51%
MLS
11/02/2009
Sold
$73,000
—
Public Record
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
Tax History for 1609 W 13th St
Year
Property Taxes
Change
Tax Assessment
Change
2024
$1,004
—
$98,504
3%
2024
$1,004
-3%
$95,728
4%
2023
$1,033
2%
$91,908
6%
2021
$1,008
-3%
$86,632
-3%
2022
$1,043
3%
$89,231
4%
2021
$1,008
41%
$85,436
—
2019
$717
-6%
$85,161
-6%
2018
$761
—
$90,149
—
2017
$761
-1%
$90,220
1%
2016
$772
-5%
$89,763
-1%
2015
$809
—
$90,348
—
2014
$805
2%
$90,500
-2%
2013
$789
—
$92,817
—
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
Estimate the Cost for 1609 W 13th St
1609 W 13th Street, Panama City, FL 32401 (MLS# 791436) is a Single Family property with 3 bedrooms, 1 full bathroom and 1 partial bathroom. 1609 W 13th Street is currently listed for $242,000 and was received on June 16, 2026. Want to learn more about 1609 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.

