# 644 Florida Avenue #E, Panama City, FL 32401

> **TL;DR:** 3bd/3ba condo, $439,000 ($190/sqft), built 2003, 2,308 sqft.
> Waterfront, Hardwood, A/C, 2-car garage. Est. $4,648/mo. Listed 6 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $439,000 |
| Price/sqft | $190 |
| Bedrooms | 3 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 2,308 |
| Year Built | 2003 |
| Stories | 2 |
| Garage | 2-car |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 6 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,220 |
| Estimated Insurance | $128 |
| HOA | $2,300 |
| **Total** | **$4,648** |

## Nearby Schools

- **Elementary:** Cherry Street
- **Middle:** Jinks
- **High:** Bay

## Key Amenities

- Waterfront
- Hardwood
- A/C
- 2-car garage

## Property Highlights

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

## Description

### Agent 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!

## Location

- **Address:** 644 Florida Avenue #E, Panama City, FL 32401
- **County:** Bay
- **Neighborhood:** Bayside Estates Condominium
- **Coordinates:** 30.159989, -85.669293
- **Google Maps:** https://www.google.com/maps?q=30.159989,-85.669293

## Listing Agent

- **Name:** Bubba McCants · **License:** 3062634
- **Brokerage:** EXP REALTY LLC
- **Broker Phone:** (888) 883-8509
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/644-Florida-Ave-Unit-E_Panama-City_FL_32401_M65573-39583?f=listhub&s=ECARMLSFL&m=1014134&c=propsimple)

## Photos

![644 Florida Avenue #E - Photo 1](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2205948730r.jpg)

![644 Florida Avenue #E - Photo 2](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f3400838360r.jpg)

![644 Florida Avenue #E - Photo 3](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f269108516r.jpg)

![644 Florida Avenue #E - Photo 4](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f3264268480r.jpg)

![644 Florida Avenue #E - Photo 5](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f4169769012r.jpg)

![644 Florida Avenue #E - Photo 6](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2461378888r.jpg)

![644 Florida Avenue #E - Photo 7](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f155881629r.jpg)

![644 Florida Avenue #E - Photo 8](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2014911317r.jpg)

![644 Florida Avenue #E - Photo 9](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2643252622r.jpg)

![644 Florida Avenue #E - Photo 10](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f4234665620r.jpg)

![644 Florida Avenue #E - Photo 11](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2504634841r.jpg)

![644 Florida Avenue #E - Photo 12](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f1839074576r.jpg)

![644 Florida Avenue #E - Photo 13](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f1545262484r.jpg)

![644 Florida Avenue #E - Photo 14](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f475398172r.jpg)

![644 Florida Avenue #E - Photo 15](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f187505964r.jpg)

![644 Florida Avenue #E - Photo 16](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f691473148r.jpg)

![644 Florida Avenue #E - Photo 17](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f1935799734r.jpg)

![644 Florida Avenue #E - Photo 18](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f3057542311r.jpg)

![644 Florida Avenue #E - Photo 19](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2067529851r.jpg)

![644 Florida Avenue #E - Photo 20](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2038171938r.jpg)

![644 Florida Avenue #E - Photo 21](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2777891837r.jpg)

![644 Florida Avenue #E - Photo 22](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f512080210r.jpg)

![644 Florida Avenue #E - Photo 23](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f3759141262r.jpg)

![644 Florida Avenue #E - Photo 24](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f977828145r.jpg)

![644 Florida Avenue #E - Photo 25](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f1755439211r.jpg)

![644 Florida Avenue #E - Photo 26](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f4118383805r.jpg)

![644 Florida Avenue #E - Photo 27](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f1260324849r.jpg)

![644 Florida Avenue #E - Photo 28](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2298953849r.jpg)

![644 Florida Avenue #E - Photo 29](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f262344185r.jpg)

![644 Florida Avenue #E - Photo 30](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f3168807516r.jpg)

![644 Florida Avenue #E - Photo 31](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f334956716r.jpg)

![644 Florida Avenue #E - Photo 32](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f3058708221r.jpg)

![644 Florida Avenue #E - Photo 33](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f3779268744r.jpg)

![644 Florida Avenue #E - Photo 34](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2958966026r.jpg)

![644 Florida Avenue #E - Photo 35](http://lh.rdcpix.com/999d2b8397e392da55005039f1fbf918l-f2714247147r.jpg)

---

**MLS#:** 1014134 | **Updated:** 2026-10-22
**Source:** listhub

*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.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/644-florida-avenue-panama-city-fl-32401-c2f7a0ea646b40be9dd7fac9c77cd32b)

---

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