About This Home

This 3-bedroom, 3-bathroom condo at 644 Florida Avenue #E in Panama City, FL is listed for $439,000 ($190 per sqft). Built in 2003, the home offers 2,308 sqft of living space on a N/A lot.

Key Features

  • Built in 2003
  • 2 stories
  • 2 parking spaces
  • Waterfront

Property Details

2 stories
2 full, 1 half
2-car garage
#E
2003

Amenities

WaterfrontHardwoodA/C
Listing Description

Bayside living with the best of Panama City just minutes away! 644 Florida Avenue E is a beautifully updated 3-bedroom, 2.5-bath condo offering 2,308 square feet in the quiet, eight-unit Bayside Estates community. Perfectly located between Downtown Panama City and historic St.

Andrews, you'll enjoy easy access to restaurants, coffee shops, shopping, and entertainment. Inside, enjoy 10-foot ceilings, tile and oak wood flooring, custom cabinetry, granite countertops, and water views from every room! The spacious primary suite features a sitting area, walk-in closet, and beautifully tiled shower.

Relax on the large balcony overlooking Johnson Bayou, enjoy access to the community dock, and appreciate the convenience of a detached two-car garage with additional storage. Beautiful water views, peaceful surroundings, and downtown convenience -- bayside living at its best!

Monthly Cost Estimate

$4,648/mo

20% down · 6.5% · 30 years

Principal$317
Interest$1,902
Insurance$128
HOA$2,300

Estimates only. Actual payments may vary.

Location

644 Florida Avenue #E

Panama City, FL 32401

Bayside Estates Condominium

Features & Amenities

Interior Features

Breakfast BarCeiling Crwn MoldingCeiling RaisedCeiling Tray/CofferdKitchen IslandLighting RecessedPantrySplit BedroomWasher/Dryer Hookup

Exterior Features

Balcony

Property Details

Flooring

Hardwood

Construction

Brick Frame

Parking

Garage - Detached

Cooling

Central Air

Appliances

DishwasherDisposalMicrowaveRefrigeratorStove/Oven ElectricWater Heater - Elect

Questions & Answers

This 3-bedroom, 3-bathroom condo at 644 Florida Avenue is listed at $439,000 ($190/sqft). The estimated monthly payment is $4,648 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $2300/month.

Key features include: Built in 2003, 2 stories, 2 parking spaces, Waterfront. Interior Features: Breakfast Bar, Ceiling Crwn Molding, Ceiling Raised. Exterior Features: Balcony.

This property is listed by Bubba McCants.

BM

Bubba McCants

License 3062634

Agent at EXP REALTY LLC

Listed by EXP REALTY LLC · Broker phone: (888) 883-8509 · View on Broker Site

MLS# 1014134· Source: Emerald Coast Association of Realtors· 5 days on PropertySimple

Copyright © 2026 Emerald Coast 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.

644 Florida Avenue #E, Panama City, FL 32401

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