About This Home

This 4-bedroom, 3-bathroom single family at 109 Palm Bay Boulevard in Panama City Beach, FL is listed for $649,900 ($258 per sqft). Built in 1990, the home offers 2,515 sqft of living space on a 0.25 acres lot.

Key Features

  • Built in 1990
  • 0.25 acre lot
  • Private pool
  • Fireplace

Property Details

3 full
2-car garage
1990

Amenities

PoolFireplaceA/C
Listing 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 cabinetry, 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 ele

ctric 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!

Monthly Cost Estimate

$4,056/mo

20% down · 6.5% · 30 years

Principal$470
Interest$2,816
Insurance$190
HOA$580

Estimates only. Actual payments may vary.

Location

109 Palm Bay Boulevard

Panama City Beach, FL 32408

Palm Bay Unit 1

Features & Amenities

Interior Features

DoubleVanityJettedTubMainLevelPrimarySeparateShowerWalkInClosets

Property Details

Construction

Stucco WoodFrame

Pool Features

Pool

Outdoor Features

Patio

Parking

OpenGarage

Heating

CentralElectric (Heating)Fireplace(s)

Cooling

Central AirCeiling Fan(s)

Appliances

ElectricRangeElectricWaterHeater

Questions & Answers

This 4-bedroom, 3-bathroom single family at 109 Palm Bay Boulevard is listed at $649,900 ($258/sqft). The estimated monthly payment is $4,056 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $580/month.

Key features include: Built in 1990, 0.25 acre lot, Private pool, Fireplace. Interior Features: DoubleVanity, JettedTub, MainLevelPrimary.

This property is listed by Stephanie Ingram.

SI

Stephanie Ingram

License 0634226

Agent at Counts Real Estate Group Inc

Listed by Counts Real Estate Group Inc · Broker phone: (850) 249-3615 · View on Broker Site · Broker website

MLS# 796747· Source: Central Panhandle Association of REALTORS· 14 days on PropertySimple

Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

109 Palm Bay Boulevard, Panama City Beach, FL 32408

Open this listing in: