4109 Ocean St Panama City, FL 32408
Estimated payment $4,896/month
Highlights
- In Ground Pool
- Gulf View
- 0.69 Acre Lot
- J.R. Arnold High School Rated A-
- Waterfront
- Coastal Architecture
About This Home
Welcome to your slice of true coastal paradise just steps from the sugar-white sand and iconic Emerald-green waters, with no main roads to cross, no HOA restrictions, and your very own private pool. This beautifully remodeled beach home offers the rare combination of walkable Gulf access, beach views, and true resort-style living, making it an exceptional opportunity as a full-time residence, second home, or income-producing coastal retreat. Perfectly positioned near the newly renovated Tootsies, you will enjoy easy access to dining, entertainment, and the heart of the beach lifestyle. The private backyard oasis with pool is the undeniable showstopper, creating the perfect setting for relaxing, entertaining, and maximizing rental appeal. After a long day at the beach, rinse off in the 10-foot private outdoor shower, conveniently located just off the downstairs porch. The combination of a private pool and effortless walkability to the beach is a rare luxury and one of the most in-demand features along the coast. Inside, the home blends coastal charm with modern comfort, featuring hardwood flooring throughout, Silver Pearl granite countertops, stainless steel appliances, and a sleek touch-activated kitchen faucet. The electric fireplace, easily activated by switch, anchors the main living space and creates a warm, inviting atmosphere for laid-back coastal evenings. Outdoor living continues with two private balconies located off the Great Room and the Primary Suite, offering beach views and fresh Gulf breezes. The private porch off the downstairs bedroom flows seamlessly into the pool and outdoor shower area, making indoor-outdoor living effortless and ideal for entertaining. The garage has been converted into a spacious game room, adding exceptional recreational value and elevating the home's rental potential while still functioning beautifully for everyday living. With no HOA, strong walkability, dining and nightlife nearby, a private pool, and multiple outdoor living spaces, this property delivers the freedom, flexibility, and coastal lifestyle buyers are searching for. Spring season is right around the corner, and homes with a private pool, beach access, and no HOA do not last. Grab this one before peak demand hits and secure your place in one of the most desirable coastal locations available.
Open House Schedule
-
Sunday, December 07, 202510:00 am to 1:00 pm12/7/2025 10:00:00 AM +00:0012/7/2025 1:00:00 PM +00:00Add to Calendar
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $5,446
Year Built
- Built in 2003
Lot Details
- 0.69 Acre Lot
- Lot Dimensions are 100x30
- Waterfront
- Fenced
Parking
- 1 Car Garage
Home Design
- Coastal Architecture
Interior Spaces
- Ceiling Fan
- Fireplace
- Double Pane Windows
- Insulated Doors
- Gulf Views
- Electric Cooktop
Bedrooms and Bathrooms
- 3 Bedrooms
Home Security
- Home Security System
- Storm Windows
- Storm Doors
- Fire and Smoke Detector
Eco-Friendly Details
- ENERGY STAR Qualified Equipment for Heating
Pool
- In Ground Pool
- Fence Around Pool
- Outdoor Shower
- Gunite Pool
Outdoor Features
- Balcony
- Deck
- Covered Patio or Porch
Schools
- Patronis Elementary School
- Surfside Middle School
- Arnold High School
Utilities
- Cooling Available
- Heating Available
- Electric Water Heater
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 | $5,274 | $388,418 | -- | -- |
| 2023 | $5,274 | $353,107 | $109,554 | $392,913 |
| 2022 | $3,753 | $321,006 | $73,710 | $247,296 |
| 2021 | $3,729 | $307,600 | $65,874 | $241,726 |
| 2020 | $4,030 | $328,016 | $68,250 | $259,766 |
| 2019 | $4,023 | $323,296 | $60,196 | $263,100 |
| 2018 | $0 | $223,508 | $0 | $0 |
| 2017 | $0 | $227,985 | $0 | $0 |
| 2016 | -- | $229,099 | $0 | $0 |
| 2015 | -- | $231,304 | $0 | $0 |
| 2014 | -- | $237,768 | $0 | $0 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 12/04/2025 12/04/25 | For Sale | $847,000 | -- | $529 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Quit Claim Deed | $177,000 | None Listed On Document | |
| Warranty Deed | $390,000 | Attorney | |
| Interfamily Deed Transfer | -- | Attorney | |
| Corporate Deed | $305,000 | Diamond Title Agency Inc | |
| Warranty Deed | -- | -- | |
| Warranty Deed | $275,000 | -- | |
| Warranty Deed | $110,000 | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Previous Owner | $365,000 | New Conventional | |
| Previous Owner | $370,500 | New Conventional | |
| Previous Owner | $305,000 | VA |
Source: Central Panhandle Association of REALTORS®
MLS Number: 782332
APN: 30388-000-000
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.
- 8213 Surf Dr
- 8226 Thomas Dr
- 8312 Surf Dr
- 4129 Cobia St
- 4112 Snapper St
- 8205 Surf Dr
- 8320 Surf Dr
- 4126 Snapper St
- 8407 Thomas Dr Unit 2
- 8319 Surf Dr Unit A
- 8214 Beach Dr
- 8323 Elizabeth Ave
- 8410 Thomas Dr Unit 4
- 8410 Thomas Dr Unit 1
- 8231 S Lagoon Dr
- 8127 S Lagoon Dr
- 4003 Tarpon St
- 8307 Elizabeth Ave
- 8700 Surf Dr
- 8001 Surf Dr Unit B10
- 8115 Thomas Dr Unit 5A
- 8115 Thomas Dr Unit 5C
- 8115 Thomas Dr Unit FL2-ID1355032P
- 8115 Thomas Dr Unit ID1354981P
- 8115 Thomas Dr Unit ID1354934P
- 8115 Thomas Dr Unit FL2-ID1355040P
- 8115 Thomas Dr Unit FL2-ID1355038P
- 8115 Thomas Dr Unit FL2-ID1355036P
- 8115 Thomas Dr Unit ID1354988P
- 8227 S Lagoon Dr
- 7904 Surf Dr Unit 19
- 8623 N Lagoon Dr Unit B10
- 212 Bonita Cir Unit A
- 8730 Thomas Dr Unit ID1355041P
- 7405A Beach Dr Unit ID1355031P
- 8727 Thomas Dr Unit ID1354949P
- 8743 Thomas Dr Unit 231
- 8743 Thomas Dr Unit 1502
- 8743 Thomas Dr Unit 1023
- 8743 Thomas Dr Unit 1207