316 Cherry St

Bay Club Condominiums is a low-rise, three-story waterfront complex built in 1982 along St. Andrews Bay in Panama City, Florida. The property’s shallow massing and covered corridors open directly toward landscaped grounds and the water, with elevator and stair access to second- and third-floor units. Most residences are two-bedroom, two-bath layouts featuring modest, functional interiors—entrance foyers, main-level primary suites, tub/shower and tiled secondary showers, walk-in closets, and in-unit stacked laundry. Finishes vary by unit but commonly include carpeted living and sleeping areas, vinyl or plank-style flooring in wet zones, and updated kitchen appliances in many units. Exterior amenities are strongly focused on waterfront recreation: a community pool and expansive deck overlooking the bay, a gated dock rebuilt recently, boat ramp and beach area for launching and mooring watercraft, outdoor showers, and quiet garden/ seating areas beneath mature oaks. The association provides assigned parking plus guest spaces; recent major repairs include roof and structural work following storm damage. The complex sits in the Bunkers Cove/Cove neighborhood—an established, walkable section of Panama City close to downtown shops, restaurants, and marinas—offering a relaxed coastal lifestyle with easy access to local services and hospital facilities.