Pending
Sale Pending at 4128 Catherine St, Panama City, FL 32408 | MLS# 793880 | Listing updated on 2026-10-25
Photo 1 of Sale Pending at 4128 Catherine St, Panama City, FL 32408 | MLS# 793880 | Listing updated on 2026-10-25
Photo 2 of Sale Pending at 4128 Catherine St, Panama City, FL 32408 | MLS# 793880 | Listing updated on 2026-10-25
Photo 3 of Sale Pending at 4128 Catherine St, Panama City, FL 32408 | MLS# 793880 | Listing updated on 2026-10-25
Photo 4 of Sale Pending at 4128 Catherine St, Panama City, FL 32408 | MLS# 793880 | Listing updated on 2026-10-25
21+
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Street View

$269,900

Monthly Est:$1,343

  • Beds Icon3 Beds
  • Beds Icon
    2 Baths
  • Beds Icon1,272sqft

4128 Catherine St, Panama City, FL 32408

$1,343/moEst:

Get Pre-Approved

  • Townhouse

  • Built in 2005

  • $131/mo HOA

  • 0.07 acre lot

  • $212/sq.ft

Description

**UNDER CONTRACT - SELLER ACCEPTING BACK-UP OFFERS**

Seller is now offering $10,000 toward Buyer's Closing Cost and/or Interest Rate Buy-down
with an acceptable offer +++ VA ASSUMABLE LOAN AT 3% - Want the Panama City Beach lifestyle without being right in the middle of the hustle and bustle? Welcome to 4128 Catherine Street--a cute, updated townhome tucked away in a small community while still keeping you close to everything you love about PCB!

This 3-bedroom, 2-bath townhome has been refreshed with new flooring, fresh paint and updated fixtures, making it move-in ready and easy to love. The unique two-story layout gives you plenty of flexibility, with two
bedrooms and a full bath downstairs and the primary bedroom, kitchen and main living space upstairs. And when you're ready to soak up a little Florida sunshine, the community pool is just steps away!

The location is where this one really shines. You're approximately five minutes from NSA Panama City and just a short drive to the beach, bay, golf, shopping, dining and nightlife--close enough to enjoy it all, but tucked away enough to escape the crowds when you're ready to come home.

Whether you're looking for your own place at the beach, a full-time home or an investment opportunity for long- or short-term rentals, 4128 Catherine Street gives you plenty of possibilities.

Beach days, pool days, dinner by the water and your own little place to call home in Panama City Beach...what more could you ask for? BONUS: the HOA has an agreement with Waterhaven that allows access through their property to St. Andrew's Bay water! With today's rates, this is an opportunity to put those seller dollars to work toward lowering your upfront costs or potentially buying down your interest rate. And there's another financing opportunity--the seller's existing VA loan may be assumable at an incredible 3% interest rate, subject to buyer qualification and lender/servicer approval. Whether taking advantage of the seller credit with new financing and/or exploring the 3% VA loan assumption, buyers have options designed to make this Panama City Beach home even more affordable. Now offered at $269,900! Ask for details on both financing opportunities.

  • Houzeo last checked: 8 minutes ago
  • Listing updated: October 25, 2026 at 6:04 pm
  • Listing Provided by: Mindy A Koester (850) 691-6087 DRE #SL3345605 | Epique Realty Inc (888) 893-3537
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 793880 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Pending

  • Type

    Townhouse

  • No. of Stories

    -

  • County

    Bay County

  • City

    Panama City

  • Neighborhood

    --

  • Year Built

    2005

  • HOA Fees

    $131/mo

  • Finished Area

    1,272 sqft

  • Lot Size

    0.07 acre lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    793880

  • MLS Status

    ActiveUnderContract

  • Days on Market

    84

  • Cumulative Days on Market

    74

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Location

HOA Management

N/A

HOA Fees

$131/ Monthly

Amenities

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

Pools Pools

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: 3

    Bathrooms: 2

  • Bedroom

    Level: First

    Area: 110.00 Square Feet

    Dimensions: 10 x 11

  • Bedroom

    Level: First

    Area: 90.00 Square Feet

    Dimensions: 10 x 9

  • PrimaryBedroom

    Level: Second

    Area: 126.00 Square Feet

    Dimensions: 14 x 9

  • LivingRoom

    Level: Second

    Area: 255.00 Square Feet

    Dimensions: 17 x 15

Interior

  • Appliances

    Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker

  • Sewer

    Public Sewer

  • Cooling

    Central Air, Ceiling Fans

  • Flooring

    Plank, Vinyl

  • Interior Features

    Interior Steps, Upper Level Primary

  • Heating

    Central, Electric

Construction

  • Year Built

    Year Built: 2005

  • Home type

    Townhouse

  • Foundation Details

    Slab

  • Construction Materials

    Vinyl Siding

Utilities & Energy

  • Pool Features

    Community

  • Utilities

    Electricity Available, High Speed Internet Available

Other Features

  • Community Features

    Pool, Community Pool, Short Term Rental Allowed

  • Lot Features

    Paved

  • Disclosures

    Accepting Backup Offers

  • Patio And Porch Features

    Balcony, Covered, Patio

  • Subdivision Name

    No Named Subdivision

Price History

DateEventPrice

10/25/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #793880

Pending

$269,900

$212/sqft

10/06/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #793880

Price Increased

$269,900 +1.89%

$212/sqft

09/12/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #793880

Price Decreased

$264,900 -1.52%

$208/sqft

08/22/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #793880

Price Decreased

$269,000 -2.18%

$211/sqft

08/11/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #793880

Listed for Sale

$275,000 +12400.00%

$216/sqft

Show more

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Based on information from Central Panhandle Association of REALTORS® MLS through Nov 04, 2026, 11:30PM. 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

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