For Sale
Single family home for sale at 109 Palm Bay Blvd, Panama City, FL 32408 | MLS# 796747 | Listing updated on 2026-10-22
Photo 1 of Single family home for sale at 109 Palm Bay Blvd, Panama City, FL 32408 | MLS# 796747 | Listing updated on 2026-10-22
Photo 2 of Single family home for sale at 109 Palm Bay Blvd, Panama City, FL 32408 | MLS# 796747 | Listing updated on 2026-10-22
Photo 3 of Single family home for sale at 109 Palm Bay Blvd, Panama City, FL 32408 | MLS# 796747 | Listing updated on 2026-10-22
Photo 4 of Single family home for sale at 109 Palm Bay Blvd, Panama City, FL 32408 | MLS# 796747 | Listing updated on 2026-10-22
53+
Beds Icon

Street View

$649,900

Monthly Est:$3,235

  • Beds Icon4 Beds
  • Beds Icon
    3 Baths
  • Beds Icon2,515sqft

109 Palm Bay Blvd, Panama City, FL 32408

$3,235/moEst:

Get Pre-Approved

  • Single Family Residence

  • Built in 1990

  • $48.33/mo HOA

  • 0.24 acre lot

  • $258/sq.ft

Description

Welcome to this beautiful, spacious home in the highly desirable Palm Bay subdivision! Offering an abundance of natural light, generous living spaces, a private pool, and numerous recent upgrades, this home has so much to offer!

Step inside and enjoy soaring 11-foot ceilings, expansive windows, updated skylights (2026), and a stunning sunken living room featuring one of two wood-burning fireplaces. The thoughtfully designed floor plan offers a spacious family room, formal dining room with a charming bay window, built-in bookcases, and an entertainment center, providing plenty of room for everyday living and entertaining.

The spacious kitchen features custom wood ca
binetry, a breakfast bar, and a separate breakfast area. All-new kitchen appliances were installed in January 2025, including an induction cooktop and an oven with convection and air-frying capabilities!

The primary suite offers a private entrance to the covered, tiled lanai overlooking the pool, creating the perfect retreat. The primary bathroom features double vanities, a whirlpool garden tub, separate shower, and a large walk-in closet. The fourth bedroom, conveniently located just off the primary suite, has its own closet and bathroom, making it an ideal home office, guest suite, or flex space!

Step outside to your private pool and covered lanai, perfect for relaxing or entertaining. Additional highlights include an oversized garage with air-conditioning ductwork and an extended driveway with room for up to six vehicles, providing exceptional parking convenience.

Major improvements offer added peace of mind, including:
- All-new windows and sliding glass doors (2020)
- Roof replacement (January 2019)
- American Standard HVAC system (December 2018)
- New skylights (2026)
- Irrigation pump replacement (2023)
- New kitchen appliances (January 2025)
- Terminix termite bond

The sellers also report reasonable electric bills, ranging from approximately $88 to $336 per month during the referenced months, depending on seasonal usage.

With its spacious layout, impressive upgrades, abundant natural light, private pool, and convenient location in Palm Bay, this home offers a wonderful combination of comfort, functionality, and Florida living. Don't miss the opportunity to make this exceptional property your own!

  • Houzeo last checked: 4 minutes ago
  • Listing updated: October 22, 2026 at 2:25 pm
  • Listing Provided by: Stephanie Ingram DRE #0634226 | Counts Real Estate Group Inc (850) 249-1414
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 796747 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Active

  • Type

    Single Family Residence

  • No. of Stories

    -

  • County

    Bay County

  • City

    Panama City

  • Neighborhood

    --

  • Year Built

    1990

  • HOA Fees

    $48.33/mo

  • Finished Area

    2,515 sqft

  • Lot Size

    0.24 acre lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    796747

  • MLS Status

    Active

  • Days on Market

    10

  • Cumulative Days on Market

    3

Continue Your Journey in App

Find your dream home, receive real-time updates, and many more!

Location

HOA Management

N/A

HOA Fees

$580/ Annually

Amenities

Amenities and services may be covered by one or multiple associations and service providers.

AssociationManagement AssociationManagement

Disclaimer: Amenities are based on third-party information and may vary; buyers must independently verify all amenities, as information is deemed reliable but not guaranteed.

Facts & Features

Rooms

  • Bedrooms & bathrooms

    Bedrooms: 4

    Bathrooms: 3

Interior

  • Interior Features

    Double Vanity, Jetted Tub, Main Level Primary, Separate Shower, Walk In Closets

  • Cooling

    Central Air, Ceiling Fans

  • Appliances

    Electric Range, Electric Water Heater

  • Heating

    Central, Electric, Fireplaces

  • Sewer

    Public Sewer

Construction

  • Year Built

    Year Built: 1990

  • Home type

    Single Family Residence

  • Architectural Style

    Contemporary

  • Foundation Details

    Slab

  • Roof

    Shingle

  • Construction Materials

    Stucco, Wood Frame

Utilities & Energy

  • Pool Features

    Gunite, In Ground, Private

  • Parking Features

    Garage, Garage Door Opener

  • Utilities

    Electricity Available

Other Features

  • Lot Features

    Sprinkler System

  • Subdivision Name

    Palm Bay Unit 1

  • Patio And Porch Features

    Covered, Patio

Price History

DateEventPrice

10/19/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #796747

Listed for Sale

$649,900

$258/sqft

Nearby Homes

Based on information from Central Panhandle Association of REALTORS® MLS through Oct 30, 2026, 06:00AM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. ©2026 Bay Central Panhandle Association of REALTORS®

Advertising Broker: Moe Mossa (Savvy Avenue) | Savvy Avenue, LLC

Skip to Main Content