164 Clara Ave Panama City Beach, FL 32407
Estimated payment $2,125/month
Highlights
- Lake Front
- Access To Intracoastal Waterway
- No HOA
- J.R. Arnold High School Rated A-
- Coastal Architecture
- Covered Patio or Porch
About This Home
Waterfront Home Under $350K - No HOA & a short Golf Cart Ride to the Beach! Search on YouTube ''For Sale 164 Clara Ave in Panama City Beach'' for video tour.
Looking for a cute waterfront home in Panama City Beach with no HOA, a 1-car garage, and priced under $350K? You just found it! Welcome to this remodeled 3 bed, 2 bath home, where you can fish from your backyard or take a short golf cart ride to the beach and county pier, all while enjoying peaceful lake views and fresh coastal upgrades.
This beautifully updated home features:
A large backyard overlooking the water
Quartz countertops, soft-close custom cabinets, stainless steel appliances
Luxury vinyl plank flooring throughout
New roof (2022), HVAC & water heater (2018). Washer and Dryer included.
1-car garage with additional parking
Tucked into a quiet, central location just minutes from the beach, shopping, dining, and entertainment, this home checks all the boxes for primary living, a second home, or investment (LTR only, no STR).
Don't miss this rare opportunity for waterfront living under $350K in the heart of Panama City Beach!
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $3,191
Year Built
- Built in 2001
Lot Details
- 9,148 Sq Ft Lot
- Lot Dimensions are 40x100
- Lake Front
Parking
- 1 Car Garage
Home Design
- Coastal Architecture
Interior Spaces
- Living Room
- Dining Room
- Lake Views
Kitchen
- Microwave
- Dishwasher
- Kitchen Island
Bedrooms and Bathrooms
- 3 Bedrooms
- 2 Full Bathrooms
Laundry
- Dryer
- Washer
Outdoor Features
- Access To Intracoastal Waterway
- Covered Patio or Porch
Schools
- Hutchison Beach Elementary School
- Breakfast Point Middle School
- Arnold High School
Utilities
- Central Heating and Cooling System
Community Details
- No Home Owners Association
Map
Home Values in the Area
Average Home Value in this Area
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 | $3,097 | $252,083 | $37,246 | $214,837 |
| 2023 | $3,097 | $251,523 | $33,332 | $218,191 |
| 2022 | $1,807 | $149,152 | $30,130 | $119,022 |
| 2021 | $1,724 | $137,400 | $28,435 | $108,965 |
| 2020 | $1,569 | $127,925 | $26,777 | $101,148 |
| 2019 | $1,407 | $107,526 | $22,950 | $84,576 |
| 2018 | $1,418 | $106,912 | $0 | $0 |
| 2017 | $1,208 | $100,490 | $0 | $0 |
| 2016 | $1,205 | $101,904 | $0 | $0 |
| 2015 | $1,258 | $103,319 | $0 | $0 |
| 2014 | $1,273 | $104,733 | $0 | $0 |
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 08/29/2025 08/29/25 | For Sale | $349,000 | 0.0% | $286 / Sq Ft |
| 08/22/2025 08/22/25 | Pending | -- | -- | -- |
| 07/12/2025 07/12/25 | For Sale | $349,000 | +2.9% | $286 / Sq Ft |
| 09/08/2022 09/08/22 | Off Market | $339,000 | -- | -- |
| 06/20/2022 06/20/22 | Off Market | $1,095 | -- | -- |
| 06/07/2022 06/07/22 | Sold | $339,000 | 0.0% | $278 / Sq Ft |
| 04/29/2022 04/29/22 | For Sale | $339,000 | 0.0% | $278 / Sq Ft |
| 09/12/2012 09/12/12 | Rented | $1,095 | 0.0% | -- |
| 09/12/2012 09/12/12 | Under Contract | -- | -- | -- |
| 08/21/2012 08/21/12 | For Rent | $1,095 | -- | -- |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $339,000 | None Listed On Document | |
| Interfamily Deed Transfer | -- | None Available | |
| Warranty Deed | $250,000 | Compass Title Ins Agency Inc | |
| Quit Claim Deed | -- | -- | |
| Warranty Deed | $105,000 | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $271,200 | New Conventional | |
| Previous Owner | $95,000 | Commercial | |
| Previous Owner | $187,500 | New Conventional | |
| Previous Owner | $105,000 | Unknown |
Source: Central Panhandle Association of REALTORS®
MLS Number: 776184
APN: 34042-030-040
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.
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