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$289,900 Just Listed

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • Updated 5 days ago
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Welcome to 523 N Church Avenue, where new construction, modern style, and everyday convenience come together! This brand-new 3-bedroom, 2-bath home offers 1,218 square feet of thoughtfully designed living space in Panama City, Florida. Step inside to an open-concept living area with a raised ceiling, recessed halo lighting, stylish LVP flooring, and ceiling fans throughout. The kitchen is ready to impress with granite countertops, a spacious island, modern backsplash, a pantry, pendant lighting over the island, sleek black finishes, and a full stainless steel appliance package including the refrigerator, range/oven, microwave, dishwasher, and disposal. The primary suite features a walk-in closet, fiberglass walk-in shower, and an oversized single vanity with plenty of cabinet storage. Two nicely sized guest bedrooms offer generous closets and share a spacious bathroom with an oversized vanity and fiberglass tub/shower combination. Outside, the sodded and landscaped yard and open rear patio provide a fresh canvas for relaxing, grilling, or entertaining. Conveniently located near 11th Street, 15th Street, and Business Highway 98, this home offers easy access to shopping, dining, downtown Panama City, and Tyndall Air Force Base. Whether you're a first-time homebuyer, relocating to the area, or searching for an affordable new construction home in Panama City, 523 N Church Avenue is move-in ready and waiting to welcome you home! Buyer to verify measurements and information if important. Professional Photos to come.

Full Property Details for 523 N Church Ave

General

  • Price: $289,900
  • Taxes: $580 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 795605
  • Updated: 9/18/2026
  • Added to Site: 6 day(s) ago

Interior

  • Number of Rooms: 3
  • Interior Features: Main Level Primary, Shower Only, Walk-In Closet(s)
  • Appliances: ENERGY STAR Qualified Appliances, Electric Oven, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 3

Additional Information

  • Security/Safety: Secured Garage/Parking

Exterior

  • Exterior Features: Patio, Rain Gutters
  • Porch/Patio/Deck: Patio

Parking

  • Garage: Yes
  • Garage Spaces: 1
  • Parking Features: Paved

Location

  • County: Bay
  • Subdivision: Pinecrest Add.
  • Driving Directions: Head East down W 15th Street until you reach N East Avenue. Turn right onto N East Avenue and go down 1.1 mile and make a right onto E 6th Street. Go down 700 feet and make a left onto N Church Avenue. Home is on your right in 70 ft.

School Information

  • Elementary School: Patterson
  • 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), ENERGY STAR Qualified Equipment
  • Heating Type: Central, Electric, ENERGY STAR Qualified Equipment

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electricity Available

Structural Information

  • Architectural Style: Contemporary
  • Construction: Vinyl Siding, Wood Frame
  • Roof: Shingle
  • Stories/Levels: 1
  • Sq. Ft. Source: Plans
  • Year Built: 2026

Lot Features

  • Lot Size (Acres): 0.19
  • Lot Size (Sq. Ft.): 8,276
  • Lot Size: .19
  • Lot Dimensions: 118.0 ft x 140.0 ft
  • Lot Features: Paved
  • Zoning: Resid Single Family

Green Features

  • Energy Efficient: Appliances

Financial Considerations

  • Tax Amount: $580.23
  • Tax Year: 2025

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: PINECREST ADD LOTS 22, 23, 24 BLK H ORB 4691 P 597/See Exhibit A
  • Property ID: 22641-000-000

Listed by EXP Realty LLC

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Listing agent

— 523 N Church Ave —

  • EXP Realty LLC

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 523 N Church Ave

School District:Bay County School District
NameGradesDistance
Merriam Cherry Street Elementary School
1125 Cherry Street, Panama City, FL 32401
PK-51.3 mi
Jinks Middle School
600 West 11th Street, Panama City, FL 32401
6-82.6 mi
Bay High School
1200 Harrison Avenue, Panama City, FL 32401
9-122.1 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 523 N Church Ave Get Price Alerts and Save Property

Date
Details
Price
Change
Source
9/18/2026
Listed
$289,900
395.56%
MLS
2/13/2026
Sold
$58,500
—
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 523 N Church Ave

Year
Property Taxes
Change
Tax Assessment
Change
2024
$511
—
$33,963
10%
2024
$511
-15%
$30,875
21%
2023
$604
9%
$25,440
10%
2021
$555
-1%
$23,128
-2%
2022
$562
1%
$23,706
5%
2021
$555
56%
$22,665
3%
2019
$355
-58%
$21,971
-59%
2015
$846
-3%
$53,626
-4%
2014
$873
6%
$55,805
-2%
2013
$826
—
$57,043
—
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

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Listed by EXP Realty LLC

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523 N Church Avenue, Panama City, FL 32401 (MLS# 795605) is a Single Family property with 3 bedrooms and 2 full bathrooms. 523 N Church Avenue is currently listed for $289,900 and was received on September 18, 2026. Want to learn more about 523 N Church Avenue? 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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