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$216,000 -$13,900 (-6.05%) Price Reduced
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Property Description
NEW PRICE! Prime commercial opportunity in historic St. Andrews with excellent Hwy 98 visibility and a daily traffic count of over 42,000 vehicles (for 2024). Zoned Neighborhood General, this property offers flexibility for both residential and light commercial use, ideal for a professional office, small business, Airbnb, or live/work setup. Neighboring businesses include a law office and health facility, adding to the professional appeal of the area. Welcome to 1709 Cincinnati Ave, a beautifully updated 2BR, 2BA 1941 Florida cottage with abundant charm and modern upgrades. Renovated in 2019 with a new roof and HVAC, this property features original hardwood floors, an updated kitchen and baths, and an enclosed entertaining area filled with natural light. The layout offers two flexible living spaces easily reimagined as a lobby or client area, while the bedrooms provide private office options with a guest bath off the main room and a private bath down the hall. Located just two blocks from Lake Huntington with public boat access to St. Andrews Bay and the Gulf, and a short walk to the shops and restaurants of Historic St. Andrews. Only 15 minutes to the Gulf's white-sand beaches, 8 minutes to the Naval Base, and 26 minutes to Tyndall AFB. The fenced backyard provides ample space for parking, outdoor use, or even a second structure, ideal for business expansion or additional residential space. This property offers exceptional visibility, charm, and adaptability, perfect for the savvy buyer seeking a prime St. Andrews address with both business and lifestyle potential.
Full Property Details
Full Property Details for 1709 Cincinnati Ave
General
- Price: $216,000
- Status: Active
- Type: Office
- Source: Bay_County
- MLS ID: 781030
- Updated: 4/6/2026
- Added to Site: 6 day(s) ago
Interior
- Flooring: Hardwood
Location
- County: Bay
- Subdivision: Lakeside
- Driving Directions: Off hwy 98 onto Cincinnati Ave. Property is second on the right.
School Information
- Elementary School: Lucille Moore
- Middle School: Jinks
- High School: Bay
Community
- Community Name: 02 - Bay County - Central
Heating & Cooling
- Air Conditioning: Yes
- Heating Type: Central, Electric
Utilities
- Sewer: Public Sewer
- Utility Description: Sewer Available
Structural Information
- Property Detached: Yes
- Construction: Asbestos, HardiPlank Type
- Roof: Composition, Shingle
- Year Built: 1948
Lot Features
- Lot Size (Acres): 0.21
- Lot Size (Sq. Ft.): 9,147.6
- Lot Size: .21
- Frontage: City Street
- Zoning: Other - See Remarks
Disclosures and Reports
- Legal Description: Lot 6, Block 13, Lakeside, according to the map or plat thereof, recorded in Plat Book 2, Page(s) 42, Public Records of Bay County, Florida.
- Property ID: 29126-000-000
Listed by Coastal Choice Realty LLC
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Schools
Schools serving 1709 Cincinnati Ave
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Lucille Moore Elementary School 1900 Michigan Avenue, Panama City, FL 32405 | PK-5 | 0.3 mi |
Jinks Middle School 600 West 11th Street, Panama City, FL 32401 | 6-8 | 2.2 mi |
Bay High School 1200 Harrison Avenue, Panama City, FL 32401 | 9-12 | 2.7 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 1709 Cincinnati Ave
Date
Details
Price
Change
Source
4/06/2026
Price Reduced
$216,000
-6.05%
MLS
1/09/2026
Price Reduced
$229,900
-2.13%
MLS
10/30/2025
Listed
$234,900
34.23%
MLS
5/19/2021
Sold
$175,000
—
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 1709 Cincinnati Ave
Year
Property Taxes
Change
Tax Assessment
Change
2025
$2,001
-4%
$168,699
3%
2024
$2,080
-4%
$163,945
3%
2023
$2,176
220%
$158,434
420%
2021
$680
-71%
$30,493
-79%
2022
$2,363
248%
$143,196
381%
2021
$680
43%
$29,798
1%
2019
$475
-28%
$29,385
-32%
2018
$656
8%
$43,306
7%
2017
$607
—
$40,500
3%
2016
$605
-7%
$39,439
-4%
2015
$651
1%
$41,279
—
2014
$643
7%
$41,143
-1%
2013
$599
—
$41,394
—
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 1709 Cincinnati Ave
1709 Cincinnati Avenue, Panama City, FL 32401 (MLS# 781030) is a Office property. 1709 Cincinnati Avenue is currently listed for $216,000 and was received on April 03, 2026. Want to learn more about 1709 Cincinnati Avenue? Do you have questions about finding other Office 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.

