Skip to main content
1 / 50

$299,999

128 N VESTAVIA STREET, PANAMA CITY BEACH, FL 32413

3D Tour
Active102 days on market

Beds

3

Baths

2

Sq Ft

1,504 sq ft

Year Built

2021

Lot Size

0.18 acres

Garage

,

About This Property

Seller is offering up to $5000 towards closing costs(Contingent upon offer amount) All furniture will be included (contingent upon offer amount). Welcome to Panama City Beach's highly sought-after West End, where coastal living meets investment potential. Just a 5-minute walk from the sugar white sands and emerald waters that have made Panama City Beach famous as one of the most beautiful beaches in the world, this meticulously maintained 2021-built 3-bedroom, 2-bath home offers the perfect opportunity for a primary residence, vacation getaway, or short-term rental investment. Approved for short-term rentals and offered with no HOA restrictions, this property provides the flexibility buyers are looking for in today's market. From the moment you arrive, you'll appreciate the oversized maintenance-free coated concrete driveway with ample space for multiple vehicles, boats, RVs, trailers, and recreational equipment. Two covered awnings provide additional shaded parking, while the fully fenced property offers privacy and security. Outdoor living is a true highlight with huge screened front and rear porches featuring durable marine-grade carpeting designed for easy cleaning and maintenance. After a day at the beach, enjoy the convenience of two outdoor showers before relaxing in your private outdoor space. The property also features low-maintenance rubber mulch landscaping, brick paver walkways, dual irrigation systems, storage access on both sides of the home, and heavy-duty lattice screening around the porches. One of the property's standout features is the massive 12x28 shed complete with electric, water access, storage space, and a wheelchair-accessible ramp. Originally planned as a future guest suite or rental space, this versatile structure offers endless possibilities for storage, hobbies, a workshop, or future expansion. Additional improvements include a new shingled roof enhanced with a metal roof system for added durability and weather protection. The backyard offers plenty of room to add a future pool, creating the ultimate beach retreat. Pride of ownership is evident throughout, with the home maintained in immaculate condition. The stove and dishwasher have never been used, no shoes have been worn inside the home, and most furnishings are available for purchase separately, making this an easy turnkey opportunity. Conveniently located near Scenic Highway 30A, Pier Park, shopping, dining, entertainment, and some of Florida's most breathtaking beaches, this exceptional property combines location, flexibility, and value in one of Panama City Beach's most desirable areas. Call today to schedule an appointment!

Property Overview

Property TypeResidential
Sub TypeManufactured Home
MLS #TB8522772
StatusActive
Year Built2021
Total Rooms3
ConstructionOther
RoofMetal
FoundationOther
FacesWest
SubdivisionMIRAMAR HEIGHTS
CountyBay
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCeiling Fan(s)
FlooringVinyl
AppliancesOther, Range, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorStorage
FencingOther
Lot Size0.18 acres (7,710 sq ft)
Road SurfaceOther
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected

Parking

GarageNo
CarportYes

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$299,999
Original Price$324,999
Annual Taxes$1,291 (2025)
FinancingCash, Conventional, FHA, Other, USDA Loan, VA Loan
ZoningR-1CT
Parcel #38231000000

Directions

From Downtown Panama City, head west on US-98 W toward Panama City Beach. Continue on US-98 W (Panama City Beach Parkway) for approximately 12 miles. Turn right onto N Vestavia Street. The property will be on the right.

Location

128 N VESTAVIA STREET, PANAMA CITY BEACH, FL 32413

Listing Information

OfficeDIVINE ESTATES REALTY LLC
ListedJune 24, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$299,999

20% ($60,000)
6.75%

Loan Term

Principal & Interest$1,557
Property Tax (est.)$275
Insurance (est.)$150
Total Monthly$1,982
Full Calculator →

How to Buy This Home

Multiple financing options available for this $299,999 home in PANAMA CITY BEACH.

🏛️

FHA Loan

$10,500 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$15,000 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: November 3, 2026.

Call (813) 733-7907TextContact