4109 Ocean Street, Panama City Beach, FL 32408 (MLS# 990993)

4109 Ocean Street, Panama City Beach, FL 32408

$847,000

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,600 Lot Size (sq. ft.): 3,049 Status: Active

Current Price: $847,000 List Date: 12/09/2025 Last Modified: 12/22/2025

Description

Welcome to your slice of coastal paradise just steps from sugar-white sand and emerald waters—no roads to cross, no HOA, and your own PRIVATE POOL. This beach home offers walkable Gulf access, beach views, and resort-style living, perfect as a full-time residence, second home, or income-producing retreat. Enjoy dining, entertainment, and the heart of beach life. Highlights include a private backyard oasis with pool and outdoor shower, hardwood floors, Silver Pearl granite, stainless appliances, touch faucet, and electric fireplace. Outdoor living shines with two balconies, a porch flowing to the pool, and a converted garage game room. With no HOA, walkability, and peak season near, this rare coastal gem won't last.

More Information MLS# 990993

Status Change Info

Status: Active

Contract Info

List Date: 2025-12-04 Current Price: $847,000 List Price: $847,000 List Price/SqFt: 529.38 Listing Board: Emerald Coast

Location Tax and Legal

Area: 27 - Bay County Street #: 4109 Street Name: Ocean Street Suffix: Street State: FL Zip Code: 32408 County: Bay Project Name/Subdivision: Cottages on Ocean Parcel ID: 30388-000-000

General Property Info

Sub-Type: Detached Single Family Design: Florida Cottage Apx SqFt(Htd/Cooled): 1600 SqFt Source: County PA Records Bedrooms: 3 Full Baths: 2 Total Bathrooms: 2 # Stories: 2 Year Built: 2003 Immediate Occupancy: Yes Garage: Yes Carport: No Acreage: 0.07 Pool: Yes Pool Type: Private

Property Features

Construction Status: Construction Complete Lot Features: Within 1/2 Mile to Water Zoning: Resid Single Family Waterview: Gulf Parking Features: Garage Attached Project Facilities: Pets Allowed; Pool; Short Term Rental - Allowed Exterior: Balcony; BBQ Pit/Grill; Fenced Back Yard; Fenced Privacy; Fireplace; Pool - In-Ground; Porch; Shower Interior: Breakfast Bar; Ceiling Cathedral; Fireplace Gas; Floor Hardwood; Furnished - All; Window Treatment All Appliances: Dishwasher; Disposal; Dryer; Microwave; Refrigerator; Smoke Detector; Smooth Stovetop Rnge; Washer Utilities: Electric; Public Sewer; Public Water; TV Cable Energy: AC - Central Elect; Ceiling Fans; Heat Cntrl Electric; Water Heater - Elect Master Bedroom: Second Bedroom: First Kitchen: Second Rooms: Bedroom; Garage; Kitchen; Master Bedroom Financing: Conventional; FHA; VA

Room Information

Master Bedroom Level: Second Dimensions: 16 x 13 Length: 16.00 Width: 13.00 Dimensions: 16 x 13 Bedroom Level: First Dimensions: 14 x 11 Length: 14.00 Width: 11.00 Dimensions: 14 x 11 Bedroom Level: First Dimensions: 12 x 10 Length: 12.00 Width: 10.00 Dimensions: 12 x 10 Garage Level: First Dimensions: 10 x 20 Length: 10.00 Width: 20.00 Dimensions: 10 x 20 Kitchen Level: Second Dimensions: 10 x 15 Length: 10.00 Width: 15.00 Dimensions: 10 x 15

Listing Office: Coastal Living Realty & Associates LLC

Last Updated: December - 22 - 2025

All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2020 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.