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$239,000 Just Listed

  • For Sale
  • Active
  • Condo
  • 2 Beds
  • 2 Full Baths
  • Updated 4 days ago
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WATERFRONT LIVING IN ST. ANDREWS | BAY CLUB CONDO. Welcome to Bay Club at St. Andrews, where life moves a little slower and the views never get old. This 2-bedroom, 2-bath waterfront condo offers about 860 square feet of easy, low-maintenance living right along beautiful St. Andrews Bay. Step inside to a comfortable, open living and dining space that feels bright and inviting, perfect for unwinding after a long day or hosting friends and family. Whether you're enjoying your morning coffee or relaxing in the evening, you'll love being just steps from the water. Bay Club is known for its peaceful setting, shaded by mature oak trees and surrounded by coastal charm. Residents enjoy a bayfront community with a pool and outdoor areas ideal for soaking up the Florida sunshine, fishing, or simply taking in those incredible sunset views. Located in the heart of St. Andrews, you're only minutes from downtown Panama City, local restaurants, shops, and waterfront parks. It's a great spot whether you're looking for a full-time home or a weekend getaway. If you've been searching for an affordable waterfront condo in Panama City with charm, location, and lifestyle, this is one you don't want to miss. Schedule your showing today!

Full Property Details for 316 Cherry St #33

General

  • Price: $239,000
  • Taxes: $2,166 (2025)
  • Status: Active
  • Type: Condo
  • Source: Bay_County
  • MLS ID: 787549
  • Updated: 3/30/2026
  • Added to Site: 7 day(s) ago

Interior

  • Number of Rooms: 2
  • Appliances: Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Laundry: Stacked

Additional Information

  • Shared Amenities: Beach Rights
  • Pool: Yes
  • Pool Description: Fenced, Gunite, In Ground, Community

Exterior

  • Exterior Features: Dock
  • Porch/Patio/Deck: Balcony

Parking

  • Parking Features: Additional Parking

Location

  • County: Bay
  • Subdivision: Bay Club Condo Ph 2
  • Driving Directions: From US-98 (15th St) turn south onto Cherry St and continue for approximately 1 mile. The property will be on your right at 316 Cherry St.

School Information

  • Elementary School: Cherry Street
  • Middle School: Jinks
  • High School: Bay

Community

  • Community Name: 02 - Bay County - Central
  • Association: Yes

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air
  • Heating Type: Central, Electric

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electricity Available

Structural Information

  • Architectural Style: Low Rise
  • Elevator: Yes
  • Sq. Ft. Source: Appraiser
  • Year Built: 1982
  • Other Struct. Feat.: Dumpster

Lot Features

  • Property View: Bay
  • Lot Dimensions: 0 x 0
  • Frontage: City Street
  • Lot Features: Paved

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Bayfront, Shoreline - Sand
  • Water Front View: Bayfront, Shoreline - Sand
  • Boat Dock Slip: Yes

Financial Considerations

  • Tax Amount: $2,166
  • Tax Year: 2025

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: BAY CLUB CONDO PHASE II APT 33 2BR 2B 860 H&C ORB 997 P 19 ORB 4415 P 599 .
  • Property ID: 25679-114-000

Listed by Top Producers Real Estate Group

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Listing agent

— 316 Cherry St #33 —

  • Top Producers Real Estate Group

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 316 Cherry St #33

School District:Bay County School District
NameGradesDistance
Merriam Cherry Street Elementary School
1125 Cherry Street, Panama City, FL 32401
PK-50.6 mi
Jinks Middle School
600 West 11th Street, Panama City, FL 32401
6-81.9 mi
Bay High School
1200 Harrison Avenue, Panama City, FL 32401
9-121.8 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 316 Cherry St #33 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
3/28/2026
Listed
$239,000
71.94%
MLS
1/08/2024
Sold
$139,000
—
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 316 Cherry St #33

Year
Property Taxes
Change
Tax Assessment
Change
2025
$1,866
-41%
$118,150
-39%
2024
$3,141
—
$194,650
—
2023
$3,140
1127%
$194,650
91%
2021
$256
-90%
$102,000
-29%
2022
$2,517
883%
$142,800
300%
2021
$256
574%
$35,700
30%
2019
$38
-91%
$27,370
-50%
2018
$406
3%
$54,483
2%
2017
$396
-1%
$53,362
2%
2016
$398
-2%
$52,264
1%
2015
$407
1%
$51,901
1%
2014
$401
9%
$51,489
2%
2013
$367
—
$50,728
—
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 316 Cherry St #33

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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

Get Pre-Approved

Listed by Top Producers Real Estate Group

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316 Cherry Street #33, Panama City, FL 32401 (MLS# 787549) is a Condo property with 2 bedrooms and 2 full bathrooms. 316 Cherry Street #33 is currently listed for $239,000 and was received on March 28, 2026. Want to learn more about 316 Cherry Street #33? Do you have questions about finding other Condo 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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