Pending
3D Tour3D Tour
Sale Pending at 3509 High Cliff Rd, Panama City, FL 32409 | MLS# 787503 | Listing updated on 2026-07-17
Photo 1 of Sale Pending at 3509 High Cliff Rd, Panama City, FL 32409 | MLS# 787503 | Listing updated on 2026-07-17
Photo 2 of Sale Pending at 3509 High Cliff Rd, Panama City, FL 32409 | MLS# 787503 | Listing updated on 2026-07-17
Photo 3 of Sale Pending at 3509 High Cliff Rd, Panama City, FL 32409 | MLS# 787503 | Listing updated on 2026-07-17
Photo 4 of Sale Pending at 3509 High Cliff Rd, Panama City, FL 32409 | MLS# 787503 | Listing updated on 2026-07-17
36+
Beds Icon

Virtual Tour

Beds Icon

Street View

$460,000

Monthly Est:$2,290

  • Beds Icon4 Beds
  • Beds Icon
    4 Baths
  • Beds Icon2,244sqft

3509 High Cliff Rd, Panama City, FL 32409

$2,290/moEst:

Get Pre-Approved

  • Single Family Residence

  • Built in 2022

  • $-- HOA

  • 0.5 acre lot

  • $205/sq.ft

Description

Don't Miss Out on Owning a Like-New Home!
Imagine starting your mornings with a cup of coffee on the patio, listening to birdsong, and ending your evenings under the stars--all while being just minutes from Deer Point Lake for fishing, boating, and outdoor adventures.
Seller welcomes all reasonable offers! Why wait months to build when you can move right into this beautifully maintained 2022-built home offering modern construction, energy efficiency, and room to grow?

Situated on a spacious half-acre lot in a desirable location, this home gives you the perfect blend of privacy, comfort, and convenience--all with NO HOA.

Whether you're looking for room to entertain
, space for your outdoor toys, or simply a peaceful place to call home, this property checks all the boxes. Plus, you're just minutes from Deer Point Lake, making it easy to enjoy fishing, boating, and the outdoor lifestyle you've been dreaming about.

NO HOA | BUILT IN 2022 | HALF-ACRE LOT | FLOOD ZONE X

This is a rare opportunity to own a newer home without the wait or rising construction costs. Don't miss your chance--schedule your private showing today before it's gone!

Seller motivated and welcomes all reasonable offers!

Experience the perfect combination of modern comfort, quality construction, and outdoor space in this beautifully maintained 2022 home situated on a spacious half-acre lot near Deer Point Lake. Offering the freedom of no HOA, this property provides the flexibility, privacy, and room to enjoy the Florida lifestyle.

Step inside to discover a bright open-concept floor plan designed for both everyday living and entertaining. The spacious primary suite offers a private retreat, while the thoughtfully designed layout provides comfortable living spaces throughout. Enjoy your morning coffee or unwind in the evenings from the screened porch overlooking the backyard.

Built with energy efficiency and durability in mind, this home features Low-E windows, fully insulated walls, and modern construction that offers comfort, peace of mind, and lower maintenance compared to older homes.

Conveniently located just 23 minutes from Northwest Florida Beaches International Airport, this property is also close to Deer Point Lake, boating, fishing, local springs, shopping, dining, and the beautiful white-sand beaches of Panama City.
Schedule your private showing today and bring your offer!

  • Houzeo last checked: 5 minutes ago
  • Listing updated: July 17, 2026 at 3:41 pm
  • Listing Provided by: Kim Limmer (850) 319-7316 , Brandie Allon (850) 960-5990 | Coastal Palms Real Estate (716) 912-1447
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 787503 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Pending

  • Type

    Single Family Residence

  • No. of Stories

    14

  • County

    Bay County

  • City

    Panama City

  • Neighborhood

    --

  • Year Built

    2022

  • HOA Fees

    -

  • Finished Area

    2,244 sqft

  • Lot Size

    0.5 acre lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    787503

  • MLS Status

    Pending

  • Days on Market

    216

  • Cumulative Days on Market

    112

Continue Your Journey in App

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

Location

Facts & Features

Rooms

  • Bedrooms & bathrooms

    Bedrooms: 4

    Bathrooms: 4

  • LivingRoom

    Level: First

    Area: 370.50 Square Feet

    Dimensions: 19 x 19.5

  • Kitchen

    Level: First

    Area: 270.00 Square Feet

    Dimensions: 15 x 18

  • Garage

    Level: First

    Area: 462.00 Square Feet

    Dimensions: 21 x 22

  • Porch

    Level: First

    Area: 126.00 Square Feet

    Dimensions: 9 x 14

  • Porch

    Level: First

    Area: 156.00 Square Feet

    Dimensions: 8 x 19.5

  • Laundry

    Level: First

    Area: 70.00 Square Feet

    Dimensions: 7 x 10

  • FullBath

    Level: First

    Area: 63.00 Square Feet

    Dimensions: 9 x 7

  • FullBath

    Level: First

    Area: 55.00 Square Feet

    Dimensions: 5.5 x 10

  • HalfBath

    Level: First

    Area: 24.50 Square Feet

    Dimensions: 3.5 x 7

  • PrimaryBathroom

    Level: First

    Area: 156.00 Square Feet

    Dimensions: 13 x 12

  • PrimaryBedroom

    Level: First

    Area: 224.00 Square Feet

    Dimensions: 14 x 16

  • Bedroom

    Level: First

    Area: 216.00 Square Feet

    Dimensions: 13.5 x 16

  • Bedroom

    Level: First

    Area: 155.25 Square Feet

    Dimensions: 11.5 x 13.5

  • Bedroom

    Level: First

    Area: 156.00 Square Feet

    Dimensions: 12 x 13

  • DiningRoom

    Level: First

    Area: 143.00 Square Feet

    Dimensions: 11 x 13

Interior

  • Exterior Features

    Porch

  • Window Features

    Double Pane Windows

  • Heating

    Central, Energy Star Qualified Equipment

  • Cooling

    Central Air, Ceiling Fans, Energy Star Qualified Equipment

  • Appliances

    Energy Star Qualified Appliances, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker

  • Interior Features

    Coffered Ceilings, Double Vanity, Main Level Primary, See Remarks, Soaking Tub, Separate Shower, Walk In Closets

Construction

  • Year Built

    Year Built: 2022

  • Home type

    Single Family Residence

  • Architectural Style

    Craftsman

  • Construction Materials

    Brick, Hardiplank Type, Vinyl Siding

  • Foundation Details

    Slab

  • Roof

    Shingle

Utilities & Energy

  • Parking Features

    Garage, Garage Door Opener

  • Security Features

    Security System, Smoke Detectors

  • Utilities

    Cable Connected, Electricity Available, High Speed Internet Available, Phone Connected, Underground Utilities

Other Features

  • Community Features

    Short Term Rental Allowed

  • Lot Features

    Sprinkler System, Paved

  • Patio And Porch Features

    Covered, Porch, Screened

  • Subdivision Name

    Cedar Creek Chase Ph 1

Price History

DateEventPrice

07/17/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #787503

Pending

$460,000 -3.97%

$205/sqft

04/15/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #787503

Listed for Sale

$479,000 +4.13%

$213/sqft

04/15/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #787503

Price Decreased

$460,000 -3.97%

$205/sqft

04/09/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #787503

Pending

$479,000

$213/sqft

Nearby Homes

Based on information from Central Panhandle Association of REALTORS® MLS through Oct 30, 2026, 07:30AM. 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