4109 Ocean Street, Panama City, FL 32408

• 3 beds |
• 2 baths |
• 1,600 sqft

Property Description

Location. Luxury. Lifestyle. Just steps from the sugar-white sands and emerald waters of the Gulf, this beautifully updated beach house offers the ultimate Panama City Beach retreat with NO HOA and incredible vacation rental possibilities. Perfectly positioned less than a block from Beach Access 19, this property places you within walking distance to dining, entertainment, local hotspots, and just minutes from the NEW Tootsies. Designed with a fresh modern coastal aesthetic, the home features an open-concept layout filled with natural light, stylish finishes, and effortless indoor-outdoor living. The spacious living area flows seamlessly into the oversized kitchen complete with a large entertaining bar and generous counter space ideal for hosting or vacation rentals Whether you're searching for a luxury second home, beach getaway, or income-producing opportunity, this property checks every box. The location, layout, and amenities create exceptional potential for short-term rental success in one of the most sought-after areas on the beach. The oversized primary suite serves as a private retreat featuring balcony access overlooking the pool and a stunning spa-inspired walk-in glass shower. Outside, enjoy your own Private heated pool, multiple balcony spaces, and the laid-back upscale coastal lifestyle buyers are looking for. The garage has been transformed into an entertaining game room, adding even more flexibility and guest appeal. From pool days to game nights, this home was designed for unforgettable beach memories. Rarely do homes this close to the beach with NO HOA, private pool, upscale updates, and this much versatility become available in such a prime location. Photos may include digital enhancements, editing, or virtual staging.

Listing Status:

Active

Date Added:

May 23, 2026

Data Last Updated:

May 24, 2026 at 3:17AM

Listing Office:

Coastal Living Realty & Associates : 404-401-2444

MLS ID:

782332

Interior

• General: Interior Steps
• Appliances: Electric CooktopElectric RangeElectric Water Heater
• A/C: Ceiling Fan(s)ENERGY STAR Qualified Equipment
• Heating: ENERGY STAR Qualified Equipment
• Fireplace: Fireplace

Exterior

• General: Covered PatioOutdoor Shower
• Style: Coastal
• Other Structures: PorchBalconyDeckCovered
• Pool: FencedGuniteIn GroundPrivate

Construction

• Roofing: Metal
• Windows: Double Pane WindowsStorm Window(s)
• General: StuccoSlab

Location

• Originating MLS: CPAR_CPAR
• County: Bay

Lot

• Zoning: 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 23430388-000-000
• View: GulfView
• Fencing: FencedPrivacy

Utilities

• Utilities: Cable Connected
• Sewer: Public Sewer

Financial

• Source: CPAR_CPAR