105 Allen Ave

Bay Club is a low-rise, two-story condominium complex built in 1983 that offers predominantly two-bedroom residences arranged across ground- and upper-level walk-up units. Architecturally straightforward, the property embraces coastal vernacular with ground-floor patios and second-story balconies oriented toward St. Andrews Bay. Interiors commonly feature tile or wood-look flooring, accessible layouts with main-level primary suites and modified showers, and practical systems such as smart thermostats. Shared outdoor elements include a waterfront pool, sandy beach frontage, a long communal dock with boat slips, outdoor showers, and landscaped green space. Common-area services are modest but maintenance-focused: HOA dues cover most utilities except electric, building insurance, exterior repairs, pest control, and grounds upkeep. Parking is surface-level with designated spaces adjacent to units; there is no elevator access and stair entry serves the upper floor. Pet and rental policies vary by unit but listings note short-term leasing is permitted in many cases. Located in The Cove neighborhood of Panama City, the community provides direct bay access, easy walking routes to Beach Drive and downtown amenities, and proximity to local marinas and medical centers, creating a relaxed waterfront lifestyle oriented to recreation and convenience.