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$847,000
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Property Description
Welcome to your slice of true coastal paradise just steps from the sugar-white sand and iconic Emerald-green waters, with no main roads to cross, no HOA restrictions, and your very own private pool. This beautifully remodeled beach home offers the rare combination of walkable Gulf access, beach views, and true resort-style living, making it an exceptional opportunity as a full-time residence, second home, or income-producing coastal retreat. Perfectly positioned near the newly renovated Tootsies, you will enjoy easy access to dining, entertainment, and the heart of the beach lifestyle. The private backyard oasis with pool is the undeniable showstopper, creating the perfect setting for relaxing, entertaining, and maximizing rental appeal. After a long day at the beach, rinse off in the 10-foot private outdoor shower, conveniently located just off the downstairs porch. The combination of a private pool and effortless walkability to the beach is a rare luxury and one of the most in-demand features along the coast. Inside, the home blends coastal charm with modern comfort, featuring hardwood flooring throughout, Silver Pearl granite countertops, stainless steel appliances, and a sleek touch-activated kitchen faucet. The electric fireplace, easily activated by switch, anchors the main living space and creates a warm, inviting atmosphere for laid-back coastal evenings. Outdoor living continues with two private balconies located off the Great Room and the Primary Suite, offering beach views and fresh Gulf breezes. The private porch off the downstairs bedroom flows seamlessly into the pool and outdoor shower area, making indoor-outdoor living effortless and ideal for entertaining. The garage has been converted into a spacious game room, adding exceptional recreational value and elevating the home's rental potential while still functioning beautifully for everyday living. With no HOA, strong walkability, dining and nightlife nearby, a private pool, and multiple outdoor living spaces, this property delivers the freedom, flexibility, and coastal lifestyle buyers are searching for. Spring season is right around the corner, and homes with a private pool, beach access, and no HOA do not last. Grab this one before peak demand hits and secure your place in one of the most desirable coastal locations available.
Full Property Details
Full Property Details for 4109 Ocean St
General
- Price: $847,000
- Taxes: $5,446 (2024)
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 782332
- Updated: 3/4/2026
- Added to Site: 106 day(s) ago
Interior
- Number of Rooms: 3
- Interior Features: Interior Steps
- Fireplace: Yes
- Appliances: Electric Cooktop, Electric Range, Electric Water Heater
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Additional Information
- Pool: Yes
- Private Pool: Yes
- Pool Description: Fenced, Gunite, In Ground, Private
- Security/Safety: Security System, Smoke Detector(s)
Exterior
- Exterior Features: Covered Patio, Outdoor Shower
- Porch/Patio/Deck: Balcony, Deck, Covered, Porch
Parking
- Garage: Yes
- Garage Spaces: 1
Location
- County: Bay
- Subdivision: [No Recorded Subdiv]
- Driving Directions: From Panama City, take US-98 W over the Hathaway Bridge toward Panama City Beach. Continue on US-98 (Back Beach Rd). Turn left onto Hwy 79 (Arnold Rd) toward the beach. Turn right onto Front Beach Rd and continue west. Turn right onto Lullwater Dr, then left onto Ocean St. Property will be on the right at 24109 Ocean St.
School Information
- Elementary School: Patronis
- Middle School: Surfside
- High School: Arnold
Community
- Community Name: 03 - Bay County - Beach
Heating & Cooling
- Air Conditioning: Yes
- Cooling Type: Ceiling Fan(s), ENERGY STAR Qualified Equipment
- Heating Type: ENERGY STAR Qualified Equipment
Utilities
- Sewer: Public Sewer
- Utility Description: Cable Connected
Structural Information
- Architectural Style: Coastal
- Construction: Stucco
- Roof: Metal
- Windows: Double Pane Windows, Storm Window(s)
- Doors: Insulated Doors, Storm Door(s)
- Sq. Ft. Source: Appraiser
- Year Built: 2003
Lot Features
- Property View: Gulf
- Lot Size (Acres): 0.07
- Lot Size (Sq. Ft.): 2,962
- Lot Size: .07
- Lot Dimensions: 100 x 30
- Lot Features: Sprinkler System, Paved
- Zoning: Resid Single Family
- Fencing (Description): Fenced, Privacy
Water Features
- Water View: Yes
Financial Considerations
- Tax Amount: $5,446
- Tax Year: 2024
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: COTTAGES ON OCEAN SUB UNIT 4 FORMERLY KWN AS FOLLOWING DESC BEL AIR COM AT NLY COR LOT 1 SWLY 90' FOR POB TH SELY 100' TO SELY LINE LOT 2 SWLY 30' TO SLY COR LOT 2 NWLY 100' TO WLY COR LOT 1 NELY 30' TO POB BEING PART OF LOTS 1 & 2 BLK 15 AKA PCL #4 ORB 4542 P 234
- Property ID: 30388-000-000
Listed by Coastal Living Realty & Associates
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Schools
Schools serving 4109 Ocean St
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Patronis Elementary School 7400 Patronis Dr, Panama City Beach, FL 32408 | K-5 | 1.3 mi |
Surfside Middle School 300 Nautilus Street, Panama City Beach, FL 32413 | 6-8 | 5.1 mi |
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407 | 9-12 | 3.5 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 Ocean St
Date
Details
Price
Change
Source
12/04/2025
Listed
$847,000
117.18%
MLS
7/20/2018
Sold
$390,000
—
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 4109 Ocean St
Year
Property Taxes
Change
Tax Assessment
Change
2025
$6,302
16%
$623,914
23%
2024
$5,446
3%
$507,575
1%
2023
$5,274
41%
$502,467
63%
2021
$3,729
-1%
$307,600
-4%
2022
$3,753
1%
$321,006
-2%
2021
$3,729
-7%
$328,016
1%
2019
$4,023
76%
$323,296
68%
2013
$2,282
—
$191,949
—
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 4109 Ocean St
4109 Ocean Street, Panama City, FL 32408 (MLS# 782332) is a Single Family property with 3 bedrooms and 2 full bathrooms. 4109 Ocean Street is currently listed for $847,000 and was received on December 04, 2025. Want to learn more about 4109 Ocean 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.

