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$969,000
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Property Description
Waterfront Living Meets Timeless Elegance in The Cove. Welcome to 214 S Cove Lane, a rare opportunity to own a beautifully upgraded waterfront retreat in one of Panama City's most coveted neighborhoods. Nestled along the tranquil shores of Watson Bayou, this 3-bedroom, 3-bathroom home spans over 2,545 square feet and offers a perfect blend of classic charm, modern upgrades, and unbeatable views. Whether you're an avid boater, a nature lover, or simply someone who values peace, privacy, and a touch of luxury, this home checks every box. A sandbar just off to the right gives extra opportunities for swimming and waterplay. A private dock, ideal for launching a kayak, catching the sunset, or docking your boat after a day out at Shell Island or fishing in the Gulf. The expansive outdoor living space and lush private yard make entertaining or unwinding outdoors effortless. Eight sets of sliding doors bring the beauty of the outside In and enlarges the entertaining area. The home has been thoughtfully updated while preserving its 1951 character. Upgrades include: Ludowici tile roof (2019) a touch of Bay High History - luxury, durability, and timeless beauty, foam insulation for energy efficiency, upgraded electrical, plumbing, and two new HVAC units. The remodeled kitchen features handmade tiles, undercabinet lighting, glass lighted display cabinet. The bathrooms with modern finishes, fresh paint, crown molding, hardwood floors, and more. The Primary EnSuite gives privacy and space. Beautifully designed with a stand alone soaking tub, two separate vanities, tiled shower and bidet. 2 Walkin closets and waterfront views from the bedroom. Plantation Shutters, Smart features & comforts: Sonos surround sound system, video surveillance, backup generator, spacious living area perfect for gatherings. this home offers quick access to the best of Panama City-charming local restaurants, shops, parks, and top-rated schools-all while providing the serenity of waterfront living. Whether you're seeking a full-time residence or a weekend escape, 214 S Cove Lane is more than a home-it's a lifestyle.
Full Property Details
Full Property Details for 214 S Cove Ln
General
- Sold For: $969,000
- Taxes: $5,673 (2024)
- Status: Closed
- Type: Single Family
- Source: Bay_County
- MLS ID: 775829
- Added to Site: 199 day(s) ago
Interior
- Number of Rooms: 12
- Interior Features: Bidet, Mud Room
- Fireplace: Yes
- Appliances: Electric Range
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Bedrooms
- Total Bedrooms: 3
Exterior
- Exterior Features: Deck, Dock
- Porch/Patio/Deck: Deck, Covered, Porch
Parking
- Garage: Yes
- Garage Spaces: 2
- Parking Features: Garage, Garage Door Opener
Location
- County: Bay
- Subdivision: Cove Terrace
- Driving Directions: From the intersection of Hwy 98 and MLK Jr Blvd, head South toward The Cove. Continue straight through the intersection of Hwy 98 and Cove Blvd. Continue two miles then turn left onto Cherry St. In .7 miles turn right onto Cove Lane then in .2 miles the property will be on the left.
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, Ceiling Fan(s)
- Heating Type: Central, Electric, Fireplace(s)
Utilities
- Sewer: Public Sewer
- Utility Description: Electricity Available, Underground Utilities
Structural Information
- Architectural Style: Mediterranean
- Stories/Levels: 1
- Sq. Ft. Source: Appraiser
- Year Built: 1951
Lot Features
- Property View: Bayou
- Lot Size (Acres): 0.34
- Lot Size (Sq. Ft.): 14,985
- Lot Size: .34
- Lot Dimensions: 100 x 150
- Frontage: City Street
- Lot Features: Paved
- Zoning: Resid Single Family
- Fencing (Description): Partial
Water Features
- Water Front: Yes
- Water View: Yes
- Water Front Desc.: Bayou
- Water Front View: Bayou
Financial Considerations
- Tax Amount: $5,673
- Tax Year: 2024
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: COVE TERRACE LOT 8 BLK 87 ORB 3809 P 1672
- Property ID: 21715-000-000
Listed and Sold by Keller Williams Success Realty
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Schools
Schools serving 214 S Cove Ln
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Merriam Cherry Street Elementary School 1125 Cherry Street, Panama City, FL 32401 | PK-5 | 0.6 mi |
Jinks Middle School 600 West 11th Street, Panama City, FL 32401 | 6-8 | 2.6 mi |
Bay High School 1200 Harrison Avenue, Panama City, FL 32401 | 9-12 | 2.3 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 214 S Cove Ln
Date
Details
Price
Change
Source
12/15/2025
Sold
$969,000
-3%
MLS
10/21/2025
Price Reduced
$999,000
-4.86%
MLS
8/12/2025
Price Reduced
$1,050,000
-4.55%
MLS
7/03/2025
Listed
$1,100,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
214 S Cove Lane, Panama City, FL 32401 (MLS# 775829) is a Single Family property that was sold at $969,000 on December 15, 2025. Want to learn more about 214 S Cove Lane? 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.

