# 138 White Cap Way, Panama City Beach, FL 32407 > **TL;DR:** 3bd/2ba single family, $334,900 ($257/sqft), built 2006, 1,305 sqft. > A/C, 1-car garage. Est. $2,288/mo. Listed 98 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $334,900 | | Price/sqft | $257 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,305 | | Year Built | 2006 | | Lot Size | 4,792 sqft (0.11 acres) | | Stories | 1 | | Garage | 1-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 98 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,693 | | Estimated Insurance | $98 | | HOA | $497 | | **Total** | **$2,288** | ## Nearby Schools - **Elementary:** Hutchison Beach - **Middle:** Surfside - **High:** Arnold ## Key Amenities - A/C - 1-car garage ## Property Highlights - Built in 2006 - 0.11 acre lot ## Description ### Agent Description CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Turnkey and fully updated, this three-bedroom, two-bathroom home in the gated Palm Cove community offers the ideal setup for a full-time residence or an immediate rental property. This house is being sold mostly furnished with all-new furniture. Recent interior updates include new flooring, fresh paint throughout, new light fixtures and more. The newly installed vinyl plank flooring and furniture offer both modern appeal and the durability needed for the beach lifestyle. The attached one-car garage provides dedicated parking and storage. Outside, a new raised concrete patio overlooks a large wooded area that only a handful of homes in the community back up to. Residents of the Palm Cove subdivision enjoy access to a community pool and playground. This home is situated in the heart of Panama City Beach, just over a mile from one of the main public beach areas and near local restaurants like Saltwater Grill, Bella Roma Tuscan Grill, and Firefly. This home offers a great opportunity to join the beachy Florida lifestyle without breaking the bank! ## Location - **Address:** 138 White Cap Way, Panama City Beach, FL 32407 - **County:** Bay - **Neighborhood:** Palm Cove Phase III - **Coordinates:** 30.193078, -85.816052 - **Google Maps:** https://www.google.com/maps?q=30.193078,-85.816052 ## Listing Agent - **Name:** The Beninateam - **Brokerage:** Beachy Beach Real Estate - **Broker Phone:** (850) 527-5651 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/138-White-Cap-Way_Panama-City-Beach_FL_32407_M68035-81805?f=listhub&s=BCARFL&m=792988&c=propsimple) ## Photos ![138 White Cap Way - Photo 1](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f935099375r.jpg) ![138 White Cap Way - Photo 2](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f1831263319r.jpg) ![138 White Cap Way - Photo 3](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3131742736r.jpg) ![138 White Cap Way - Photo 4](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f723168709r.jpg) ![138 White Cap Way - Photo 5](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f948700374r.jpg) ![138 White Cap Way - Photo 6](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3755564757r.jpg) ![138 White Cap Way - Photo 7](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3945572382r.jpg) ![138 White Cap Way - Photo 8](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3983898651r.jpg) ![138 White Cap Way - Photo 9](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f1534459861r.jpg) ![138 White Cap Way - Photo 10](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f573339291r.jpg) ![138 White Cap Way - Photo 11](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f389310959r.jpg) ![138 White Cap Way - Photo 12](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f1966301656r.jpg) ![138 White Cap Way - Photo 13](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f1961837777r.jpg) ![138 White Cap Way - 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Photo 24](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f1131443741r.jpg) ![138 White Cap Way - Photo 25](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3914230960r.jpg) ![138 White Cap Way - Photo 26](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3742339374r.jpg) ![138 White Cap Way - Photo 27](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f2377256392r.jpg) ![138 White Cap Way - Photo 28](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3858243299r.jpg) ![138 White Cap Way - Photo 29](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f225957695r.jpg) ![138 White Cap Way - Photo 30](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3438814573r.jpg) ![138 White Cap Way - Photo 31](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f2451196214r.jpg) ![138 White Cap Way - Photo 32](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3016646675r.jpg) ![138 White Cap Way - Photo 33](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3006984916r.jpg) ![138 White Cap Way - Photo 34](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3680939545r.jpg) ![138 White Cap Way - Photo 35](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f627090068r.jpg) ![138 White Cap Way - Photo 36](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f598218001r.jpg) ![138 White Cap Way - Photo 37](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f1496060056r.jpg) ![138 White Cap Way - Photo 38](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f1121043193r.jpg) ![138 White Cap Way - Photo 39](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f1690326869r.jpg) ![138 White Cap Way - Photo 40](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3916855054r.jpg) ![138 White Cap Way - Photo 41](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f802559603r.jpg) ![138 White Cap Way - Photo 42](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f823358738r.jpg) ![138 White Cap Way - Photo 43](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f939883613r.jpg) ![138 White Cap Way - Photo 44](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f2775207512r.jpg) ![138 White Cap Way - Photo 45](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f2340750608r.jpg) ![138 White Cap Way - Photo 46](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f4203126297r.jpg) ![138 White Cap Way - Photo 47](http://lh.rdcpix.com/30f295c0ad346fa5be5ac1a3a18c0798l-f3666787216r.jpg) --- **MLS#:** 792988 | **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/138-white-cap-way-panama-city-beach-fl-32407-17e5c89aed344fdf8d7940212c92837a) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/138-white-cap-way-panama-city-beach-fl-32407-17e5c89aed344fdf8d7940212c92837a#listing", "url": "https://staging.propertysimple.ai/listing/138-white-cap-way-panama-city-beach-fl-32407-17e5c89aed344fdf8d7940212c92837a", "name": "138 White Cap Way, Panama City Beach, FL 32407", "description": "CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Turnkey and fully updated, this three-bedroom, two-bathroom home in the gated Palm Cove community offers the ideal setup for a full-time residence or an immediate rental property. 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