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$1,795,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 1 Partial Bath
  • Updated 13 days ago
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HEATED POOL- STEPS TO BEACH Last years rental income in the high $90 and this year is on its way to over $100K Ideal as a beach rental or second home, this stunning property offers the perfect blend of comfort and coastal charm. Located just moments from beach access, it features a private fenced-in pool and two owner's suites for ultimate convenience. Upstairs, the primary owner's suite boasts balcony access, a tile shower, granite countertops, and a double vanity. The second level also includes a bunk room, two additional King-sized bedrooms, and a shared bath. Downstairs, the open-concept living and dining area creates a welcoming space for gatherings. The kitchen overlooks the living room and features granite countertops, a large island, stainless steel appliances, and crisp white cabinetry. The first-floor owner's suite provides added flexibility, while French doors lead from the living area to a covered patio, private pool, and outdoor shower-perfect for enjoying the coastal breeze. Don't miss out on this incredible beachside retreat!

Full Property Details for 4109 Choctaw St

General

  • Price: $1,795,000
  • Taxes: $14,376 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 787149
  • Updated: 3/21/2026
  • Added to Site: 14 day(s) ago

Interior

  • Number of Rooms: 6
  • Appliances: Convection Oven, Electric Range
  • Flooring: Luxury Vinyl Plank

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Pool: Yes
  • Private Pool: Yes
  • Pool Description: Fenced, In Ground, Private

Exterior

  • Exterior Features: Patio, Outdoor Shower
  • Porch/Patio/Deck: Balcony, Patio, Covered, Porch

Parking

  • Parking Features: No Garage

Location

  • County: Bay
  • Subdivision: Silver Sands Beach
  • Driving Directions: From Thomas Dr eastbound turn right onto Utes St. Then turn left onto Surf Dr and left onto Choctaw St. Home will be on your left.

School Information

  • Elementary School: Patronis
  • Middle School: Surfside
  • High School: Arnold

Community

  • Community Name: 03 - Bay County - Beach

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Central

Utilities

  • Utility Description: Electricity Available

Structural Information

  • Architectural Style: Coastal
  • Construction: HardiPlank Type
  • Roof: Metal
  • Sq. Ft. Source: Appraiser
  • Year Built: 2021

Lot Features

  • Lot Size (Acres): 0.14
  • Lot Size (Sq. Ft.): 6,229
  • Lot Size: .14
  • Lot Dimensions: Silver Sands Beach The Sly 50' of lots 4 and 5 and
  • Frontage: City Street
  • Lot Features: Paved
  • Zoning: Resid Single Family
  • Fencing (Description): Fenced

Financial Considerations

  • Tax Amount: $14,376
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: SILVER SANDS BEACH THE SLY 50' OF LOTS 4 & 5 AND THE SLY 50' OF THE ELY 25' OF LOT 3 BLK 4 ORB 4581 P 1704
  • Property ID: 30498-000-003

Listed by Blue Swell Realty

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Listing agent

— 4109 Choctaw St —

  • Blue Swell Realty

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 4109 Choctaw St

School District:Bay County School District
NameGradesDistance
Patronis Elementary School
7400 Patronis Dr, Panama City Beach, FL 32408
K-51.1 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-85.4 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-123.8 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 4109 Choctaw St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
3/21/2026
Listed
$1,795,000
152.82%
MLS
1/28/2021
Sold
$710,000
—
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 4109 Choctaw St

Year
Property Taxes
Change
Tax Assessment
Change
2025
$14,336
1%
$1,166,087
1%
2024
$14,208
-1%
$1,152,895
1%
2023
$14,307
899%
$1,141,099
855%
2021
$1,432
-80%
$119,443
-81%
2022
$7,237
405%
$622,213
403%
2021
$1,432
6%
$123,750
13%
2019
$1,345
—
$109,147
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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NMLS#: 1598647

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Listed by Blue Swell Realty

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4109 Choctaw Street, Panama City, FL 32408 (MLS# 787149) is a Single Family property with 4 bedrooms, 3 full bathrooms and 1 partial bathroom. 4109 Choctaw Street is currently listed for $1,795,000 and was received on March 21, 2026. Want to learn more about 4109 Choctaw 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.

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