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Property Description
Welcome to this beautifully crafted custom home offering 2,912 square feet of thoughtfully designed living space on a private 1.74-acre lot in a desirable gated community. Built in 2018, this 4-bedroom, 3-bath residence combines modern comfort with timeless style, all just a short drive from Panama City Beach. Step inside to an open-concept layout featuring 10-foot ceilings, abundant natural light, and high-end finishes throughout. The heart of the home is the spacious kitchen with an oversized 10-foot island, seamlessly flowing into the living and dining areas--perfect for both everyday living and entertaining. A cozy brick fireplace anchors the living room, while LVP flooring runs throughout the main areas for durability and style. The oversized primary suite offers a private retreat with direct access to the screened-in back porch, creating a seamless indoor-outdoor living experience. The en-suite bath features a walk-in shower with bench and a 6-foot soaking tub, while secondary bathrooms include upgraded 5-foot soaking tubs. Additional spaces include a dedicated office and a fully equipped movie room, providing flexibility for work, relaxation, and entertainment. Enjoy quiet mornings on the covered front porch, complete with a charming porch swing, or unwind in the spacious 18x10 screened-in back porch overlooking your private, wooded backyard. The outdoor space is truly one of a kind, featuring a custom tree fort and obstacle course tucked into the woods--perfect for adventure and creating lasting memories. The home's exterior showcases a beautiful blend of stone and board-and-batten siding, enhancing its curb appeal. Located within a gated community offering a pool, clubhouse, playground, and private dock access to Deer Point Lake, residents enjoy both privacy and convenience. This property also features an assumable VA mortgage at an exceptionally low 2.25% interest rate--an incredible opportunity for qualified buyers. Don't miss your chance to own a unique property that offers space, privacy, and lifestyle all in one.
Full Property Details
Full Property Details for 4509 Tender Creek Cv
General
- Price: $659,900
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 788526
- Updated: 4/17/2026
- Added to Site: 1 day(s) ago
Interior
- Number of Rooms: 4
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Bedrooms
- Total Bedrooms: 4
Additional Information
- Shared Amenities: Gazebo, Barbecue, Picnic Area
- Pool: Yes
- Pool Description: In Ground, Community
- Security/Safety: Gated Community
Parking
- Garage: Yes
- Garage Spaces: 2
Location
- County: Bay
- Subdivision: Cedar Creek At Deerpoint Lake
- Driving Directions: Going North on HWY 77, Take a right on Deerpoint Damn Road, take a left Resota Beach Road. Take a Right on Sweetfield Lane, right on Baxley Bend Road, Right on Cedar Creek Drive, Right on Summer Creek Drive, Right on Tender Creek Cove. House on your right.
School Information
- Elementary School: Deane Bozeman
- Middle School: Deane Bozeman
- High School: Deane Bozeman
Community
- Community Name: 04 - Bay County - North
- Association: Yes
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air
- Heating Type: Central
Structural Information
- Architectural Style: Craftsman
- Construction: HardiPlank Type
- Roof: Shake
- Sq. Ft. Source: Appraiser
- Year Built: 2018
Lot Features
- Lot Size (Acres): 1.75
- Lot Size (Sq. Ft.): 76,230
- Lot Size: 1.75
- Lot Dimensions: 158 x 480
- Frontage: Private Road
- Lot Features: Cul-De-Sac
- Zoning: City, Resid Single Family
Disclosures and Reports
- Legal Description: CEDAR CREEK PH II LOT 47 ORB 3951 P 1247
- Property ID: 07611-300-011
Listed by Think Real Estate
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Schools
Schools serving 4509 Tender Creek Cv
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Deane Bozeman School 13410 Florida 77, Panama City, FL 32409 | PK-5 | 7.4 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 4509 Tender Creek Cv
Date
Details
Price
Change
Source
4/17/2026
Listed
$659,900
1009.08%
MLS
10/31/2017
Sold
$59,500
—
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 4509 Tender Creek Cv
Year
Property Taxes
Change
Tax Assessment
Change
2025
100%
$394,055
3%
2024
100%
$382,949
3%
2023
100%
$371,174
3%
2022
-100%
$360,363
3%
2021
$3,653
-1%
$349,867
1%
2021
$3,693
2%
$345,036
1%
2019
$3,615
606%
$340,611
710%
2018
$512
9%
$42,075
11%
2017
$468
16%
$37,800
19%
2016
$405
-14%
$31,800
-11%
2015
$473
—
$35,897
—
2014
$472
6%
$35,897
-6%
2013
$444
—
$38,274
—
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 4509 Tender Creek Cv
4509 Tender Creek Cove, Southport, FL 32409 (MLS# 788526) is a Single Family property with 4 bedrooms and 3 full bathrooms. 4509 Tender Creek Cove is currently listed for $659,900 and was received on April 17, 2026. Want to learn more about 4509 Tender Creek Cove? Do you have questions about finding other Single Family real estate for sale in Southport? You can browse all Southport real estate or contact a Coldwell Banker agent to request more information.

