# 109 Palm Bay Boulevard, Panama City Beach, FL 32408

> **TL;DR:** 4bd/3ba single family, $649,900 ($258/sqft), built 1990, 2,515 sqft.
> Pool, Fireplace, A/C, 2-car garage. Est. $4,056/mo. Listed 15 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $649,900 |
| Price/sqft | $258 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 2,515 |
| Year Built | 1990 |
| Lot Size | 10,890 sqft (0.25 acres) |
| Garage | 2-car |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 15 |

## Why This Home Stands Out

- **Pool** - Patio

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $3,286 |
| Estimated Insurance | $190 |
| HOA | $580 |
| **Total** | **$4,056** |

## Nearby Schools

- **Elementary:** Breakfast Point
- **Middle:** Breakfast Point
- **High:** Arnold

## Key Amenities

- Pool
- Fireplace
- A/C
- 2-car garage

## Property Highlights

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

## Description

### Agent 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 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!

## Location

- **Address:** 109 Palm Bay Boulevard, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** Palm Bay Unit 1
- **Coordinates:** 30.166444, -85.774829
- **Google Maps:** https://www.google.com/maps?q=30.166444,-85.774829

## Listing Agent

- **Name:** Stephanie Ingram · **License:** 0634226
- **Brokerage:** Counts Real Estate Group Inc
- **Broker Phone:** (850) 249-3615
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/109-Palm-Bay-Blvd_Panama-City-Beach_FL_32408_M51555-21637?f=listhub&s=BCARFL&m=796747&c=propsimple)

## Photos

![109 Palm Bay Boulevard - Photo 1](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f49932183r.jpg)

![109 Palm Bay Boulevard - Photo 2](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f347528814r.jpg)

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![109 Palm Bay Boulevard - Photo 34](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f1286477483r.jpg)

![109 Palm Bay Boulevard - Photo 35](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f3328449856r.jpg)

![109 Palm Bay Boulevard - Photo 36](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f1174128756r.jpg)

![109 Palm Bay Boulevard - Photo 37](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f3008199385r.jpg)

![109 Palm Bay Boulevard - Photo 38](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f898572224r.jpg)

![109 Palm Bay Boulevard - Photo 39](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f1854100265r.jpg)

![109 Palm Bay Boulevard - Photo 40](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f223512082r.jpg)

![109 Palm Bay Boulevard - Photo 41](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f2309870819r.jpg)

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![109 Palm Bay Boulevard - Photo 43](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f251664192r.jpg)

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![109 Palm Bay Boulevard - Photo 47](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f3882537015r.jpg)

![109 Palm Bay Boulevard - Photo 48](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f1124655893r.jpg)

![109 Palm Bay Boulevard - Photo 49](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f885457918r.jpg)

![109 Palm Bay Boulevard - Photo 50](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f1619171659r.jpg)

![109 Palm Bay Boulevard - Photo 51](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f3984851802r.jpg)

![109 Palm Bay Boulevard - Photo 52](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f2383584101r.jpg)

![109 Palm Bay Boulevard - Photo 53](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f1680353059r.jpg)

![109 Palm Bay Boulevard - Photo 54](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f3747888970r.jpg)

![109 Palm Bay Boulevard - Photo 55](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f1838686523r.jpg)

![109 Palm Bay Boulevard - Photo 56](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f3843718337r.jpg)

![109 Palm Bay Boulevard - Photo 57](http://lh.rdcpix.com/430cc73eb4c048b87fce8a205884c8c5l-f1552498306r.jpg)

---

**MLS#:** 796747 | **Updated:** 2026-10-25
**Source:** listhub

*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.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/109-palm-bay-boulevard-panama-city-beach-fl-32408-4675c05e24ce4ecbb42f00e9e8c251fb)

---

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