$389,000

22604 Hilltop Avenue, Panama City Beach, FL 32413

2 beds |
1 bath |
1,024 sqft

Single-Family Home
Built in 1985
5,663sqft lot
—— car garage
$380/sqft
Listed 4 days ago

Property Description

Tucked away on the growing west end of Panama City Beach, just moments from the sugar-white sands of the Gulf and ideally positioned east of 30A and Inlet Beach, this charming coastal cottage offers an exceptional blend of lifestyle, location, and investment potential. Set on a spacious corner lot in a quiet, golf cart-friendly neighborhood, the property invites a relaxed, easygoing coastal experience while remaining just minutes from the dining, shopping, and energy of 30A. Whether you're seeking a primary residence, second home, or income-producing investment, this location delivers on every level. Inside, the home features an open, functional layout with abundant natural light offering the perfect canvas to create a thoughtfully designed coastal retreat. Outside, a covered patio and expansive deck provide ideal spaces for entertaining, unwinding, and enjoying the Gulf breeze. With no HOA and no rental restrictions, the opportunities here are truly endless. Strong long-term rental potential combined with the ability to further enhance, expand, or reimagine the property makes this a standout opportunity at this price point. Whether you envision a beautifully curated full-time residence, a high-performing long term rental, or a custom coastal getaway, this property offers the flexibility and upside to bring that vision to life. At this competitive price, opportunities like this--just blocks from the Gulf and minutes to 30A--are increasingly rare.

Listing Status:: Active
Date Added:: March 30, 2026
Data Last Updated:: April 2, 2026 at 1:16AM
Listing Office:: Christies International Real Estate Emerald Coast : 850-213-2800
MLS ID:: 787599

Appliances: Electric CooktopElectric Range

General: Covered PatioDeckPatioShed(s)
Style: Coastal
Other Structures: Shed(s)PorchDeckPatioCoveredOpen
Parking: Additional Parking

General: Block1

Originating MLS: CPAR_CPAR
County: Bay

Zoning: INLET BEACH HEIGHTS MAP 6A1 LOT 89 ORB 4431 P 101036156-000-000
Fencing: Partial

Sewer: Public Sewer

Source: CPAR_CPAR

This listing courtesy of Christies International Real Estate Emerald Coast

Monthly Payment

$Est. Payment

Principal & Interest $
Property Taxes $
Home Insurance $
VA Funding Fee $

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Location

Schools Nearby

Hutchison Beach Elementary School

12900 Hutchison Blvd, Panama City Beach, FL, 32407

Grades KG-5

8.93 miles away

Surfside Middle School

300 Nautilus St, Panama City Beach, FL, 32413

Grades 6-8

7.82 miles away

J.R. Arnold High School

550 N Alf Coleman Rd, Panama City Beach, FL, 32407

Grades 9-12

10.07 miles away

Disclaimer: School and School District information courtesy of the National Center for Education Statistics (NCES). School boundaries may change. Proximity to listed schools does not guarantee enrollment eligibility. Contact the school district for more information and exact boundaries.