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Townhouse for sale at 4138 Cobalt Cir #RO12, Panama City Beach, FL 32408 | MLS# 795308 | Listing updated on 2026-09-24
Photo 1 of Townhouse for sale at 4138 Cobalt Cir #RO12, Panama City Beach, FL 32408 | MLS# 795308 | Listing updated on 2026-09-24
Photo 2 of Townhouse for sale at 4138 Cobalt Cir #RO12, Panama City Beach, FL 32408 | MLS# 795308 | Listing updated on 2026-09-24
Photo 3 of Townhouse for sale at 4138 Cobalt Cir #RO12, Panama City Beach, FL 32408 | MLS# 795308 | Listing updated on 2026-09-24
Photo 4 of Townhouse for sale at 4138 Cobalt Cir #RO12, Panama City Beach, FL 32408 | MLS# 795308 | Listing updated on 2026-09-24
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$549,000

Monthly Est:$2,733

  • Beds Icon4 Beds
  • Beds Icon
    5 Baths
  • Beds Icon2,855sqft

4138 Cobalt Cir #RO12, Panama City Beach, FL 32408

$2,733/moEst:

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  • Townhouse

  • Built in 2007

  • $1,277.67/mo HOA

  • -- sqft lot

  • $192/sq.ft

Description

Welcome to Waterhaven, where beautiful Southern coastal architecture, inviting spaces and a relaxed waterfront lifestyle come together.

This spacious three story residence offers 2,855 square feet, 4 bedrooms, 4.5 baths, a two car garage and separate guest Carriage House providing plenty of room to spread out while still feeling warm and welcoming.

From the moment you step inside, you'll notice the details that give this home its character. Hardwood floors, tray ceilings, crown molding, beautiful millwork and substantial 12 inch baseboards create a timeless feel, while the spacious living and dining areas offer comfortable places to gather, entertain or simply enjo
y being at home.

At the heart of the home is a generous kitchen with a large island, six burner Viking gas range, Sub Zero refrigerator, Bosch dishwasher, wine cooler and ice maker. This amazing floorplan includes a kitchen pantry along with two storage closets.

Whether you're enjoying a quiet morning at the island or cooking dinner with friends, the open layout keeps everyone connected.

With four bedrooms and four full baths & a half bath, this home offers an unusual amount of open space and storage.

The second floor primary suite provides a comfortable retreat with its own balcony and walk in closet. The primary bath features a double vanity, separate shower and soaking tub, creating a relaxing space to begin and end the day.

The two additional bedrooms are ensuite as well, giving your guests space and privacy of their own.

Adding even more versatility, the Carriage House includes it's own kitchen , full bath, living area with a separate garage entrance.

It's an inviting setup for overnight guests, extended stays, a home office or simply having additional space when you need it.

Step outside to the private courtyard patio, a charming extension of the living space that's just right for morning coffee, grilling dinner, gathering with friends or relaxing at the end of the day.

And then there's Waterhaven itself. Enjoy the waterfront pool or fishing on the private pier. The clubhouse offers a fitness center , theater beautiful meeting room. Enjoy the grilling areas and beautiful gathering spaces, all within this gated, non-rental community.

With room for guests, spaces to gather and plenty of places to relax, this is a home designed to be lived in and to enjoy your best, beach life.

  • Houzeo last checked: 4 minutes ago
  • Listing updated: September 24, 2026 at 7:47 pm
  • Listing Provided by: Tina L Gates (850) 238-2366 | Anchor Realty Florida (850) 899-7999
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 795308 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Active

  • Type

    Townhouse

  • No. of Stories

    3

  • County

    Bay County

  • City

    Panama City Beach

  • Neighborhood

    --

  • Year Built

    2007

  • HOA Fees

    $1277.67/mo

  • Finished Area

    2,855 sqft

  • Lot Size

    -- sqft lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    795308

  • MLS Status

    Active

  • Days on Market

    53

  • Cumulative Days on Market

    13

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Location

HOA Management

N/A

HOA Fees

$3,833/ Quarterly

Amenities

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

Sewer Sewer

Insurance Insurance

Security Gate Security Gate

Water Water

Trash Pickup Trash Pickup

Club House Club House

Beach Beach

Pools Pools

PestControl PestControl

FitnessFacility FitnessFacility

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: 5

  • InLawSuite

    Level: Second

    Area: 200.00 Square Feet

    Dimensions: 20 x 10

  • Bedroom

    Level: Third

    Area: 192.00 Square Feet

    Dimensions: 16 x 12

  • Bedroom

    Level: Second

    Area: 165.00 Square Feet

    Dimensions: 15 x 11

  • PrimaryBedroom

    Level: Second

    Area: 221.00 Square Feet

    Dimensions: 17 x 13

  • DiningRoom

    Level: First

    Area: 192.00 Square Feet

    Dimensions: 16 x 12

  • Kitchen

    Level: First

    Area: 192.00 Square Feet

    Dimensions: 16 x 12

  • LivingRoom

    Level: First

    Area: 441.00 Square Feet

    Dimensions: 21 x 21

Interior

  • Appliances

    Gas Range, Ice Maker, Wine Cooler

  • Sewer

    Public Sewer

  • Cooling

    Central Air, Ceiling Fans

  • Interior Features

    Balcony, Double Vanity, Interior Steps, Jetted Tub, Separate Shower, Upper Level Primary, Walk In Closets, Home Theater

  • Heating

    Central, Electric

  • Exterior Features

    Covered Patio

Construction

  • Year Built

    Year Built: 2007

  • Home type

    Townhouse

  • Construction Materials

    Hardiplank Type

  • Roof

    Metal

Utilities & Energy

  • Pool Features

    Gunite, Gas Heat, In Ground, Community

  • Utilities

    Electricity Available, Natural Gas Available

  • Association Amenities

    Beach Rights, Gated

  • Parking Features

    Gated

  • Security Features

    Fire Sprinkler System, Gated Community, Fire Alarm, Security Gate, Smoke Detectors

Other Features

  • Community Features

    Barbecue, Beach, Clubhouse, Fitness Center, Fishing, Media Room, Pool, Community Pool, Gated

  • Patio And Porch Features

    Balcony, Deck

  • Subdivision Name

    Waterhaven

Price History

DateEventPrice

09/11/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #795308

Listed for Sale

$549,000

$192/sqft

Nearby Homes

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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