# 109 Sand Oak Boulevard #109, Panama City Beach, FL 32413 > **TL;DR:** 3bd/3ba condo, $304,000 ($195/sqft), built 2008, 1,560 sqft. > A/C, 1-car garage. Est. $2,456/mo. Listed 41 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $304,000 | | Price/sqft | $195 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 1,560 | | Year Built | 2008 | | Stories | 2 | | Garage | 1-car | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 41 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,537 | | Estimated Insurance | $89 | | HOA | $830 | | **Total** | **$2,456** | ## Nearby Schools - **Elementary:** West Bay - **Middle:** Surfside - **High:** Arnold ## Key Amenities - A/C - 1-car garage ## Property Highlights - Built in 2008 - 2 stories ## Description ### Agent Description Located in Whisper Dunes on the desirable west end of the beach. This condo has it all. Vaulted ceilings. Brand new stainless appliances. New luxury lvp flooring. New paint throughout. Attached garage. Walk in closet. Full laundry room. Large linen closet. Porch with green area. Large pool with cabana for entertaining. Garage. Beautifully maintained very quiet neighborhood. Close to beach, grocery, and shopping. All new furnishings are included! (All room measurements are approximate ) ## Location - **Address:** 109 Sand Oak Boulevard #109, Panama City Beach, FL 32413 - **County:** Bay - **Neighborhood:** Whisper Dunes - **Coordinates:** 30.25315, -85.936097 - **Google Maps:** https://www.google.com/maps?q=30.25315,-85.936097 ## Listing Agent - **Name:** Steven Koleno - **Brokerage:** beycome - **Broker Phone:** (844) 239-2663 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/109-Sand-Oak-Blvd_Panama-City-Beach_FL_32413_M54580-59427?f=listhub&s=BCARFL&m=795518&c=propsimple) ## Photos ![109 Sand Oak Boulevard #109 - Photo 1](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f2942703855r.jpg) ![109 Sand Oak Boulevard #109 - Photo 2](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f2059670120r.jpg) ![109 Sand Oak Boulevard #109 - Photo 3](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f3778067667r.jpg) ![109 Sand Oak Boulevard #109 - Photo 4](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f2852171487r.jpg) ![109 Sand Oak Boulevard #109 - Photo 5](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f3649262339r.jpg) ![109 Sand Oak Boulevard #109 - Photo 6](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f1926794846r.jpg) ![109 Sand Oak Boulevard #109 - Photo 7](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f2516479230r.jpg) ![109 Sand Oak Boulevard #109 - Photo 8](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f3317851873r.jpg) ![109 Sand Oak Boulevard #109 - Photo 9](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f1750430534r.jpg) ![109 Sand Oak Boulevard #109 - Photo 10](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f718740641r.jpg) ![109 Sand Oak Boulevard #109 - Photo 11](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f3693319340r.jpg) ![109 Sand Oak Boulevard #109 - Photo 12](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f173519973r.jpg) ![109 Sand Oak Boulevard #109 - Photo 13](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f2267492084r.jpg) ![109 Sand Oak Boulevard #109 - Photo 14](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f517058558r.jpg) ![109 Sand Oak Boulevard #109 - Photo 15](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f161363800r.jpg) ![109 Sand Oak Boulevard #109 - Photo 16](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f1129238207r.jpg) ![109 Sand Oak Boulevard #109 - Photo 17](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f3824618953r.jpg) ![109 Sand Oak Boulevard #109 - Photo 18](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f3083674055r.jpg) ![109 Sand Oak Boulevard #109 - Photo 19](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f1574220135r.jpg) ![109 Sand Oak Boulevard #109 - Photo 20](http://lh.rdcpix.com/61e025cd64259df8cee01944b20bd846l-f968197037r.jpg) --- **MLS#:** 795518 | **Updated:** 2026-10-26 **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-sand-oak-boulevard-panama-city-beach-fl-32413-4a8fd75cd86547b4b56b21008484aef6) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/109-sand-oak-boulevard-panama-city-beach-fl-32413-4a8fd75cd86547b4b56b21008484aef6#listing", "url": "https://staging.propertysimple.ai/listing/109-sand-oak-boulevard-panama-city-beach-fl-32413-4a8fd75cd86547b4b56b21008484aef6", "name": "109 Sand Oak Boulevard #109, Panama City Beach, FL 32413", "description": "Located in Whisper Dunes on the desirable west end of the beach. This condo has it all. Vaulted ceilings. Brand new stainless appliances. New luxury lvp flooring. New paint throughout. Attached garage. Walk in closet. 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