$406,000
$4K PRICE DROP

103 Monte Palo St Panama City Beach, FL 32413

Estimated payment $2,528/month

Total Views 7,638
3 Beds
2 Baths
1,330 Sq Ft
$305 Price per Sq Ft

Highlights

  • No HOA
  • Cul-De-Sac
  • Living Room
  • J.R. Arnold High School Rated A-
  • 2 Car Attached Garage
  • Central Heating and Cooling System

About This Home

Fresh exterior paint! Discover coastal living at its finest with this charming 3-bedroom, 2-bathroom home in the coveted Open Sands neighborhood of Panama City Beach. Boasting 1,330 square feet of thoughtfully designed space, this residence offers both comfort and convenience. Located just a short stroll from the pristine Gulf beaches, you can indulge in sun-soaked days and breathtaking sunsets whenever you desire. The open-concept layout seamlessly connects the living, dining, and kitchen areas, creating an inviting atmosphere for gatherings and daily living. Situated on a generous lot within a peaceful cul-de-sac, the expansive yard provides ample space for outdoor activities, gardening, or future enhancements. With no HOA restrictions, you have the freedom to personalize your property to your liking. Enjoy the benefits of a friendly community while being in close proximity to local attractions, popular restaurants, multiple beach access points, and the vibrant shopping and entertainment options at Pier Park. Don't miss this opportunity to own a piece of paradise in one of Panama City Beach's most sought-after neighborhoods!

Listing Agent

Scott Moon

Century 21 BE3 Listed on: 03/26/2025

Century 21 BE3

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,837

Year Built

  • Built in 1999

Lot Details

  • 0.25 Acre Lot
  • Lot Dimensions are 65x170x65x170
  • Cul-De-Sac
  • Street terminates at a dead end

Parking

  • 2 Car Attached Garage

Home Design

  • Slab Foundation
  • Shingle Roof
  • Stucco

Interior Spaces

  • 1,330 Sq Ft Home
  • 1-Story Property
  • Ceiling Fan
  • Living Room

Kitchen

  • Electric Oven
  • Electric Range
  • Range Hood
  • Dishwasher

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Schools

  • Hutchison Beach Elementary School
  • Surfside Middle School
  • Arnold High School

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater
  • Septic Tank

Community Details

  • No Home Owners Association
  • Open Sands Subdivision

Listing and Financial Details

  • Tax Lot 67

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,837

Year Built

Built in 1999

Lot Details

0

Parking

2

Listing Details

  • Property Type: Residential
  • Year Built: 1999
  • Property Sub Type: Detached
  • Lot Size Acres: 0.25
  • Lot Size: 65x170x65x170
  • Road Surface Type: Paved
  • Subdivision Name: Open Sands
  • Property Attached Yn: No
  • Property Sub Type Additional: Detached,Single Family Residence
  • Special Features: None

Interior Features

  • Appliances: Dishwasher, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Range Hood
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Living Area: 1330.0
  • Dining Room Type: Bedroom, Kitchen, Living Room, Primary Bedroom
  • Stories: 1

Exterior Features

  • Pool Features: None
  • Fencing: Partial
  • Waterfront: No
  • Construction Type: Stucco
  • Foundation Details: Slab
  • Roof: Shingle

Garage/Parking

  • Garage Spaces: 2.0
  • Parking Features: Attached, Garage
  • Garage: Yes
  • Attached Garage: Yes

Utilities

  • Utilities: Septic Available
  • Cooling: Central Air, Ceiling Fan(s)
  • Heating: Central
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Sewer: Septic Tank

Condo/Co-op/Association

  • Association: No

Schools

  • Middle Or Junior School: Surfside

Lot Info

  • Lot Features: Cul-De-Sac, Dead End
  • Lot Size Sq Ft: 11021.0

Rental Info

  • Furnished: Unfurnished

Tax Info

  • Tax Annual Amount: 3837.0
  • Tax Lot: 67
  • Tax Year: 2024

MLS Schools

  • Elementary School: Hutchison Beach
  • High School: Arnold

Map

Range of Values:

Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $3,647 $310,619 -- --
2023 $3,647 $282,381 $124,301 $191,433
2022 $2,904 $256,710 $118,577 $138,133
2021 $2,584 $211,309 $0 $0
2020 $2,328 $192,440 $81,991 $110,449
2019 $2,146 $174,635 $62,576 $112,059
2018 $1,934 $152,502 $0 $0
2017 $1,731 $147,134 $0 $0
2016 $1,719 $146,794 $0 $0
2015 $1,023 $118,853 $0 $0
2014 $1,011 $117,910 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/04/2025 08/04/25 Price Changed $406,000 -0.2% $305 / Sq Ft
06/12/2025 06/12/25 Price Changed $407,000 -0.2% $306 / Sq Ft
04/16/2025 04/16/25 Price Changed $408,000 -0.2% $307 / Sq Ft
04/07/2025 04/07/25 Price Changed $409,000 -0.2% $308 / Sq Ft
03/26/2025 03/26/25 For Sale $410,000 +17.3% $308 / Sq Ft
09/18/2024 09/18/24 Sold $349,500 -9.7% $263 / Sq Ft
08/30/2024 08/30/24 Pending -- -- --
06/15/2024 06/15/24 Price Changed $387,000 -2.6% $291 / Sq Ft
06/06/2024 06/06/24 For Sale $397,500 -- $299 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $349,500 Mti Title
Warranty Deed $349,500 Mti Title
Warranty Deed $326,300 South Oak Ttl Panama City Be
Deed $201,500 None Available
Warranty Deed $105,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $277,355 New Conventional
Previous Owner $94,500 No Value Available
Source: Public Records

Similar Homes in Panama City Beach, FL

  • 104 Oleander Cir, Panama City Beach, FL 32413

    $468,000

    • 4 Beds
    • 2 Baths
    • 1,582 Sq Ft
    • 104 Oleander Cir
    • Panama City Beach, FL

    **Owner financing as low as 5% interest rate.** This beautifully remodeled 4-bedroom has the most amazing location -- and it comes with flexible purchase options, including owner financing, trades, and creative deals like lease purchase! Located within minutes to the stunning Gulf of Mexico and the lively Pier Park -- the largest shopping, dining, and entertainment destination in Panama City

    Andrea Fryk The Naumann Group Real Estate, Inc

    Section Image
  • 325 Robinson Bluff Rd, Panama City Beach, FL 32407

    $452,900

    • 3 Beds
    • 2.5 Baths
    • 1,771 Sq Ft
    • 325 Robinson Bluff Rd
    • Panama City Beach, FL

    Welcome to 325 Robinson Bluff Road, a new home at Colonial East in Panama City Beach Florida. This home is under construction and features a grand entry with stairs leading to the second level bedrooms and a hall leading to the spacious downstairs living area. The foyer offers a coat closet and garage access just off the entry and a powder room. As you enter the open living area you will find an

    Eric Weisbrod DR Horton Realty of Emerald Coast, LLC

    Section Image
  • 327 Robinson Bluff Rd, Panama City Beach, FL 32407

    $487,900

    • 3 Beds
    • 2.5 Baths
    • 1,846 Sq Ft
    • 327 Robinson Bluff Rd
    • Panama City Beach, FL

    Welcome to 327 Robinson Bluff Road, a new home located in Colonial East in Panama City Beach, Florida. This home is under construction and is centrally located in Panama City Beach.Entering the home, you will find an entry hall leading to a grand living space on the main level. The open concept design of the main living area features a kitchen with peninsula bar that has pace for seating.

    Eric Weisbrod DR Horton Realty of Emerald Coast, LLC

    Section Image
  • 302 Bainbridge St, Panama City Beach, FL 32413

    $459,000

    • 3 Beds
    • 2 Baths
    • 1,591 Sq Ft
    • 302 Bainbridge St
    • Panama City Beach, FL

    Come see your future home with a pond view in the Palmetto Trace community! This beautifully landscaped and meticulously maintained 3-bedroom, 2-bathroom stucco home offers both comfort and style—just minutes from the pristine Emerald Coast beaches.Enjoy peaceful pond views from the spacious screened-in back porch, perfect for morning coffee or evening relaxation. Inside, LVP and tile

    Jeremy Fretwell Keller Williams Realty FWB

    Section Image
  • 321 Robinson Bluff Rd, Panama City Beach, FL 32407

    $493,900

    • 3 Beds
    • 2.5 Baths
    • 1,846 Sq Ft
    • 321 Robinson Bluff Rd
    • Panama City Beach, FL

    Welcome to 321 Robinson Bluff Road, a new home located in Colonial East in Panama City Beach, Florida. This home is under construction and is centrally located in Panama City Beach.Entering the home, you will find an entry hall leading to a grand living space on the main level. The open concept design of the main living area features a kitchen with peninsula bar that has pace for seating.

    Eric Weisbrod DR Horton Realty of Emerald Coast, LLC

    Section Image
  • 323 Madison Cir, Panama City Beach, FL 32407

    $418,000

    • 3 Beds
    • 2.5 Baths
    • 1,908 Sq Ft
    • 323 Madison Cir
    • Panama City Beach, FL

    This 3 bedroom 2.5 bathroom home in Harrison's Walk puts you right where you want to be just a couple blocks from the beach and close to everything Panama City Beach has to offer. With new carpet, fresh paint, and a brand new HVAC system, it's clean, well kept, and move in ready.The main level has a comfortable open layout with space to relax or entertain, and all three bedrooms are upstairs

    Britt Matthews Beachy Beach Real Estate

    Section Image
  • 145 Seagrass Way, Panama City Beach, FL 32407

    $339,000

    • 3 Beds
    • 2 Baths
    • 1,225 Sq Ft
    • 145 Seagrass Way
    • Panama City Beach, FL

    Perfectly situated in the heart of Panama City Beach, this charming home is just minutes from the world's most beautiful beaches. Step inside to discover neutral-colored LVP flooring throughout, raised ceilings, and a bright, open living area that welcomes natural light.The kitchen features all stainless appliances, smooth top range, flows seamlessly into a generous space featuring ample

    Scott Seidler - TheConnectionTeam Keller Williams Success Realty

    Section Image
  • 226 Dama Del Mar Way, Panama City Beach, FL 32407

    $459,900

    • 5 Beds
    • 3 Baths
    • 2,145 Sq Ft
    • 226 Dama Del Mar Way
    • Panama City Beach, FL

    Welcome to Caballeros Estates at Hombre is stunning Panama City Beach. Live the Floridian life in style with just a 10 minute walk to white sandy beaches. This floorplan, the Kennedy, is a stunning single-story residence sprawling over 2,197 square feet including 5 bedrooms and 3 bathrooms. The home is a testament to modern design with a spacious foyer upon entry and a gorgeous kitchen that

    Eric Weisbrod DR Horton Realty of Emerald Coast, LLC

    Section Image
  • 145 Dama Del Mar Way, Panama City Beach, FL 32407

    $467,900

    • 3 Beds
    • 2 Baths
    • 1,689 Sq Ft
    • 145 Dama Del Mar Way
    • Panama City Beach, FL

    Welcome to 145 Dama Del Mar way a new home at Caballeros Estates at Hombre in Panama City Beach, Florida. This home is a three-bedroom, two-bathroom home with a study just off the entry hall. This room has a large window looking allowing for natural light to flood in. Continuing down the hall you will enter an open concept living space with a kitchen and breakfast area as well as a large family

    Eric Weisbrod DR Horton Realty of Emerald Coast, LLC

    Section Image

Source: Central Panhandle Association of REALTORS®

MLS Number: 770962

Central Panhandle Association of REALTORS®

APN: 33979-002-000