5106 Blue Harbor Drive, Panama City, FL 32404

• 3 beds |
• 3 baths |
• 2,108 sqft

Property Description

Gorgeous waterfront townhome with boat lift and brand-new jet ski lift! Don't miss this beautiful home just minutes from Tyndall Air Force Base and a quick 15-minute boat ride to Shell Island. The two story 3 bed, 2.5 bath townhome has amazing water views from the living room, kitchen, dining and bonus room. The house has been beautifully remodeled to include a new kitchen with Quartz countertops, new soft close cabinets with pull out shelves, tile backsplash, copper farmhouse sink, built in wine refrigerator, fingerprint resistant black stainless-steel appliances, gas stove and custom lighting. There are tile floors throughout the home. Highlights include a ventless gas fireplace, wood plantation shutters, thermal windows, 40-year metal roof, newer downstairs sliding door with built in blinds, new upstairs patio door, 2 new HVAC systems in 2018, new water heater in 2019, fully re-painted inside and out, Generac whole house gas generator, ADT security system and electric hurricane shutters. Downstairs is an open floor plan with lots of light coming into the living room/dining room/ kitchen area, a half bathroom, laundry closet and great storage under the stairs. Upstairs are two guest bedrooms with one having a bonus 10 x 12 area perfect for a reading nook, and an expansive master bedroom that has a 10 x 20 bonus room off of it perfect for a home office/flex room. The master bathroom has a soaking tub, two vanities and a walk-in shower. There are barn doors for the bonus room and master walk in closet. The outdoor spaces are the highlights of the house. The upstairs deck is a great place for evening cocktails, dolphin sightings and catching the gorgeous sunsets! The downstairs slip resistant textured deck is a great place to lounge in the two chair swings, cook out, sit at the bar that is the length of the deck and enjoy watching the boats going by. There is a shade to pull down during the heat of the day. The backyard is fenced in for pets with a double gate so the lawn maintenance crew can still get in to mow. There is a rack system to hold kayaks. The boat lift motor was replaced in 2019, and the jet ski lift was just recently replaced. The property line extends to the water and there is an area to put in kayaks, as well as a bridge to enter the water on foot. A key asset to the community is that there is a large HOA owned dock. The water is 8-9 feet so it can easily handle most boats. The dock was rebuilt in 2019 and has power, water, lights, ladders and a fish cleaning station. You can even jump into the water from the dock for a swim. The HOA fee is currently $215 per month and includes all lawn care for the home and common areas, trash pickup, sprinkler systems for the community, electric to the dock and the dock maintenance. The location is close to Pier 98 Marina to gas up the boat and get bait and Rodeo's Steakhouse restaurant is within walking distance. Many of the neighbors are military or retired. The property is in an AE Flood Zone so flood insurance is required. The seller has a survey and elevation certificate and currently pays $1,100/year for flood insurance while Homeowners is $3,755/year. There is guest parking at the entrance to the neighborhood and at the end of the complex. There are no restrictions on rentals so the property could be used for short term rental. Make your appointment to see this gorgeous, hidden gem today!

Listing Status:

Active

Date Added:

October 18, 2025 at 05:00AM

Listing Office:

Keller Williams Success Realty : 850-249-0313

MLS ID:

780556

Interior

• Appliances: Gas Range
• A/C: Central AirCeiling Fan(s)
• Heating: CentralElectricFireplace(s)
• Fireplace: GasFireplace

Exterior

• General: Boat LiftBoat SlipCovered PatioDeckDock
• Style: Contemporary
• Other Structures: Deck
• Parking: Additional Parking

Construction

• Windows: Double Pane Windows

Location

• Road/Access: Private Road
• HOA Amenities: DockBoat Slip
• Originating MLS: CPAR_CPAR
• County: Bay

Lot

• Zoning: 24 4S 14W -65.3- 119D4 COM AT PT OF INTERSEC S LI SEC 24 & W R/W 98 TH NELY 150' NW 324.83' NELY 33.66' NELY 26.71 FOR POB NWLY 159.35' NELY 15.42' SELY 32.21' SELY 147.24 SWLY 27.17' TO POB AKA LOT 3 ORB 4601 P 30525816-008-000
• View: BayBayouView
• Fencing: Fenced

Utilities

• Sewer: Public Sewer

Financial

• Source: CPAR_CPAR

This listing courtesy of Keller Williams Success Realty