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$249,000

  • Sold
  • Closed
  • Townhouse
  • 2 Beds
  • 2 Full Baths
  • 1 Partial Bath
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CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Best deal and location in St. Andrews! Discover the perfect blend of style, location, and income potential in the heart of St. Andrews. This beautifully appointed 2-bedroom, 2.5 bath home is just a short walk to the area's hottest restaurants, boutique shopping, waterfront parks, and postcard-worthy sunsets over the bay. Inside, enjoy a bright and inviting layout with fresh finishes and brand-new stainless steel appliances. The home is being offered with an optional furnishings package, creating a seamless, turnkey setup for living or hosting guests. Step outside to your private, fenced backyard featuring low-maintenance landscaping, a charming pergola, and covered patio - perfect for entertaining. With no HOA fees and short-term/vacation rentals allowed, this property shines as top choice for investment. Major updates offer peace of mind, including a brand-new HVAC system, 2018 Water Heater and a transferable termite bond. Whether you're looking to maximize rental income or enjoy the vibrant lifestyle St. Andrews is known for, this townhome delivers unmatched opportunity in the best location in town. Live, invest, and relax - right where everyone wants to be.

Full Property Details for 2704 W 12th St #A

General

  • Sold For: $249,000
  • Taxes: $2,054 (2025)
  • Status: Closed
  • Type: Townhouse
  • Source: Bay_County
  • MLS ID: 789581
  • Added to Site: 56 day(s) ago

Interior

  • Number of Rooms: 5
  • Interior Features: Tub Shower, Upper Level Primary, Walk-In Closet(s)
  • Appliances: Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 2
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 2

Additional Information

  • Security/Safety: Smoke Detector(s)

Exterior

  • Exterior Features: Patio
  • Porch/Patio/Deck: Covered, Patio

Parking

  • Parking Features: Paved

Location

  • County: Bay
  • Subdivision: No Named Subdivision
  • Driving Directions: From Hwy 98, turn south on Beck Avenue and left on W. 12th St (by Hunt's Oyster Bar). Property is on the left (north side of the street) before Drake.

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

  • Structure Type: Townhouse
  • Construction: Vinyl Siding
  • Roof: Shingle
  • Stories/Levels: 2
  • Sq. Ft. Source: Appraiser
  • Year Built: 2004

Additional Structures

  • Other Structures: Pergola

Lot Features

  • Lot Dimensions: 22 x 99
  • Frontage: City Street
  • Zoning: Resid Single Family
  • Fencing (Description): Fenced, Privacy

Financial Considerations

  • Tax Amount: $2,054
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: 1 4S 15W NE1/4 COM AT SE COR LOT 9 TH W 47.5' FOR POB TH CONT WLY 22.5' N 99 TO N LINE OF S1/2 OF LOT 8 E 22.5' S 99' TO POB BEING A PORTION OF LOTS 8 & 9 BLK 23 ORB 3968 P 1210
  • Property ID: 29795-003-000

Listed by CENTURY 21 Ryan Realty Inc
Sold by Keller Williams Success Realty

Listing agent

— 2704 W 12th St #A —

  • CENTURY 21 Ryan Realty Inc

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 2704 W 12th St #A

School District:Bay County School District
NameGradesDistance
Lucille Moore Elementary School
1900 Michigan Avenue, Panama City, FL 32405
PK-51 mi
Jinks Middle School
600 West 11th Street, Panama City, FL 32401
6-81.8 mi
Bay High School
1200 Harrison Avenue, Panama City, FL 32401
9-122.3 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 2704 W 12th St #A

Date
Details
Price
Change
Source
6/22/2026
Sold
$249,000
-0.4%
MLS
5/15/2026
Listed
$250,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Listed by CENTURY 21 Ryan Realty Inc
Sold by Keller Williams Success Realty

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2704 W 12th Street #A, Panama City, FL 32401 (MLS# 789581) is a Townhouse property that was sold at $249,000 on June 22, 2026. Want to learn more about 2704 W 12th Street #A? Do you have questions about finding other Townhouse 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.