$847,000

4109 Ocean Street, Panama City Beach, FL 32408

  • 3 beds |
  • 2 baths |
  • 1,600 sqft
  • Property Icon Single-Family Home
  • Property Year Built Icon Built in 2003
  • Property Lot Size Icon3,049sqft lot
  • Property Parking Icon —— car garage
  • Property Price Per Square Feet Icon $529/sqft
  • Property List Date Icon Listed 14 days ago

Property 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.

Listing Status:
Active
Date Added:
December 9, 2025 at 06:00AM
Listing Office:
Coastal Living Realty & Associates LLC : 850-890-7098
Listing Agent:
James D Payton : 859-699-4290
MLS ID:
990993
  • General: Breakfast BarCathedral Ceiling(s)
  • Appliances: DishwasherDisposalDryerMicrowaveRefrigeratorWasherElectric Water Heater
  • Flooring: Hardwood
  • A/C: Central AirCeiling Fan(s)
  • Heating: Central
  • Fireplace: EPA Qualified FireplaceFireplace GasFireplace
  • General: Outdoor GrillBalconyPrivate YardOutdoor Shower
  • Style: Florida Cottage
  • Pool: In Ground
  • Windows: Window Treatments
  • General: Stucco2
  • Road/Access: City Street
  • Golf: PoolPets Allowed
  • Originating MLS: Emerald Coast Association of REALTORS®
  • County: Bay
  • Zoning: Resid Single Family30388-000-000
  • View: Gulf
  • Fencing: Privacy
  • Water: 0
  • Source: Emerald Coast Association of REALTORS®

This listing courtesy of James D Payton, Coastal Living Realty & Associates LLC

Monthly Payment

$Est. Payment
  • Principal & Interest $
  • Property Taxes $
  • Home Insurance $
  • VA Funding Fee $

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Location

Schools Nearby

P

Patronis Elementary School

7400 Patronis Dr, Panama City, FL, 32408

Grades KG-5

1.28 miles away

S

Surfside Middle School

300 Nautilus St, Panama City Beach, FL, 32413

Grades 6-8

5.13 miles away

J

J.R. Arnold High School

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

Grades 9-12

3.30 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.

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