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$847,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
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Coastal living meets income potential just steps from the sugar-white sand and emerald waters of Panama City Beach, with no busy roads to cross! Perfectly positioned in a highly desirable, short-term rental friendly location, this beautifully updated home offers a light-filled open layout, coastal finishes, and double balconies that enhance both everyday living and guest appeal. Enjoy your own private heated pool and outdoor shower after a day at the beach, one of the most sought-after features for vacationers. With NO HOA, you'll benefit from maximum flexibility and stronger returns, whether used as a personal retreat or an income-producing investment. Walkable to dining, entertainment, and local hotspots, this property delivers the laid-back beach lifestyle buyers love with the performance investors are looking for. Photos may include digital enhancements, editing, or virtual staging.

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: 3/30/2026
  • Added to Site: 153 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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Listing agents

— 4109 Ocean St —

  • Coastal Living Realty & Associates

  • Coastal Living Realty & Associates

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 Ocean St

School District:Bay County School District
NameGradesDistance
Patronis Elementary School
7400 Patronis Dr, Panama City Beach, FL 32408
K-51.3 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-85.1 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-123.5 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 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/04/2025
Listed
$847,000
117.18%
MLS
7/20/2018
Sold
$390,000
—
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 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.

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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 Coastal Living Realty & Associates

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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.

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