$249,900
644 16th Street
Panama City Beach, FL 32413
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Discover peaceful coastal living in the highly sought-after Laguna Beach / West End area of Panama City Beach! This charming 2-bedroom, 2-bathroom half-duplex home offers the perfect blend of relaxed residential charm and smart investment potential. Situated on a quiet residential street on a corner lot with a no-outlet cul-de-sac, traffic stays to a minimum. No HOA or CDD! No flood insurance required (Zone X). Just under 1 mile to public beach access, you’re only minutes from sugar-white sands and emerald Gulf waters—without the crowds, traffic, or tourist hustle of central PCB. Enjoy nearby hiking trails at Camp Helen State Park (5 miles). Grocery options are very convenient: Carousel Supermarket and Publix are both under 3 miles away, with additional shopping and dining just 6 miles east at Pier Park or Rosemary Beach / Seacrest a short drive further west. For the boaters, public boat ramps at Lake Powell Park or B.V. Buchanan Park are both under 15 minutes away. Perfect for first-time buyers seeking an affordable entry into beach-area living, VA military and veterans (convenient to Tyndall AFB and the VA West End Clinic), investors looking for a turnkey short- or long-term rental property, or those just wanting a quiet, low-maintenance retreat away from high-traffic zones. For investors or those seeking an income-producing second home, this property has a proven 5-year track record as a successful short-term rental, delivering excellent income potential. Additional features include an oversized double-driveway with plenty of room for an RV or 30' boat/trailer, plus a spacious fenced-in yard perfect for your pets, complete with a workshop and additional shed! Turnkey opportunity in one of Panama City Beach’s most desirable and peaceful West End pockets—where authentic beach lifestyle meets smart ownership!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history42 days on market
- Status: ActiveApr 14, 2026
- Listed$275,000Apr 14, 2026
- Price reduced$249,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Half Duplex
- Status
- Active
- Days on market
- 42
- Subdivision
- White Sands Estates
- County
- Bay
- Year built
- 1984
- Living area
- 863 sq ft
- Price/sq ft
- $290
- Building area
- 1,063 sq ft (Public Records)
- Lot size
- 7,536 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12005C0168H)
- Annual taxes
- $1,503 (2025)
- Parcel #
- 36582-144-000
- Zoning
- R-3
- MLS #
- O6398252
Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Hardwood
- Appliances
- Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Thermostat, Walk-In Closet(s)
- Laundry
- Electric Dryer Hookup, Laundry Room, Outside, Washer Hookup
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Central, Heat Pump
- Cooling
- Central Air
Parking
- Attached garage
- No
- Parking features
- Boat, Driveway, Guest, Off Street, Oversized, Parking Pad, RV Access/Parking
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Min lease term
- 1-7 Days
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer is responsible to research laws and/or regulations for current leasing restrictions. Property is within city limits of Panama City Beach.
- Approval process
- https://www.pcbfl.gov/295/Short-Term-Rentals https://www.pcbfl.gov/DocumentCenter/View/505/Vacation-Rental-Guidelines-for-Compliance-PDF
Exterior & Construction
- Exterior features
- Private Yard, Sliding Doors
- Construction materials
- Stucco, Frame
- Roof
- Metal
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Septic Tank
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Connected, Electricity Connected, Public, Water Connected
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 12x11 |
| Bedroom 2 | First | 12x10 |
| Living Room | First | 18x12 |
| Kitchen | First | 11x8 |
Listing Details
- Listing date
- 2026-04-14
- On market date
- 2026-04-14
- Original list price
- $275,000
- Occupant type
- Vacant
- MLS area
- 32413 - Panama City Beach
- Listing AOR
- Orlando Regional
- Status changed
- 2026-04-14
- Tax legal description
- WHITE SANDS ESTATES (2.20) W 60.55' OF LOT 22 BLK B ORB 4688 P 294
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From US98 / Panama City Beach Parkway, go north on 14th St and then turn right on 16th St. The property is on the right hand side on the corner lot. Driveway is before 16th St. curves. If looking at the property from the street, this 1/2 duplex is the right side with oversized driveway and white vinyl fence.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of May 26, 2026 at 10:52 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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