$627,500
SOLD AUG 28, 2025

4121 Cobalt Cir Unit P104 Panama City Beach, FL 32408

Upper Grand Lagoon Neighborhood
3 Beds
2.5 Baths
1,608 Sq Ft
2007 Built

Recently Sold

$390 Per Sq Ft

0 Day on Market

Highlights

  • Marina
  • Home fronts a seawall
  • Bay View
  • J.R. Arnold High School Rated A-
  • Deeded access to the beach
  • Gated Community

About This Home

As of August 2025

Bayfront in Waterhaven Community, 3 bedroom/2.5 bathroom Condo.

Last Agent to Sell the Property

Tina Gates

Anchor Realty Florida Listed on: 08/01/2025

Last Buyer's Agent

Tina Gates

Anchor Realty Florida

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $4,301

Year Built

  • Built in 2007

Interior Spaces

  • Living Room
  • Dining Room
  • Bay Views

Bedrooms and Bathrooms

  • 3 Bedrooms

Schools

  • Patronis Elementary School
  • Surfside Middle School
  • Arnold High School

Additional Features

  • Deeded access to the beach
  • Home fronts a seawall

Community Details

Overview

  • Property has a Home Owners Association
  • Association fees include management, boat ramp, clubhouse, fitness facility, insurance, legal/accounting, ground maintenance, pest control, pool(s), trash
  • Low-Rise Condominium
  • Waterhaven Subdivision

Recreation

  • Marina

Additional Features

  • Community Storage Space
  • Gated Community

Property Details

Home Type

Condominium

Est. Annual Taxes

$4,301

Year Built

Built in 2007

Lot Details

0

Listing Details

  • Property Type: Residential
  • Year Built: 2007
  • Property Sub Type: Condominium
  • Subdivision Name: Waterhaven
  • Architectural Style: Low Rise
  • New Construction: No
  • Property Sub Type Additional: Condominium
  • Special Features: None

Interior Features

  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 3
  • Dining Room Type: Dining Room, Living Room, Primary Bedroom

Exterior Features

  • View: Bay
  • View: Yes
  • Waterfront Features: Bay Access, Seawall
  • Waterfront: Yes

Garage/Parking

  • Garage: No

Utilities

  • Utilities: Trash Collection
  • Sewer: Public Sewer

Condo/Co-op/Association

  • Amenities: Beach Rights, Marina, Gated, Barbecue, Storage
  • Association Fee Frequency: Quarterly
  • Association: Yes

Fee Information

  • Association Fee Includes: Association Management, Boat Ramp, Clubhouse, Fitness Facility, Insurance, Legal/Accounting, Maintenance Grounds, Pest Control, Pool(s), Trash

Schools

  • Middle Or Junior School: Surfside

Lot Info

  • Mobile Dim Units: Feet

Multi Family

  • Number Of Units Furnished: None

Tax Info

  • Tax Annual Amount: 4301.0
  • Tax Year: 2024

MLS Schools

  • Elementary School: Patronis
  • High School: Arnold

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Aug 1, 2025
Closed on
Aug 28, 2025
Sold by
Elias Tammy J and Elias Revocable Family Trust
Bought by
Mathews Roland and Mathews Jane
Seller's Agent
Tina Gates
Anchor Realty Florida
Buyer's Agent
Tina Gates
Anchor Realty Florida
List Price
$629,000
Sold Price
$627,500
Premium/Discount to List
-$1,500
-0.24%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-92.31%
Original Mortgage
$342,500
Outstanding Balance
$342,500
Interest Rate
6.75%
Mortgage Type
New Conventional
Estimated Equity
$209,456

Purchase Details

Listed on
Jan 20, 2022
Closed on
Feb 4, 2022
Sold by
Allen Smith Mark
Bought by
Elias Revocable Family Trust
Seller's Agent
Patricia Wheeler
Keller Williams Success Realty
Buyer's Agent
Tina Gates
Anchor Realty Florida
List Price
$515,000
Sold Price
$520,000
Premium/Discount to List
$5,000
0.97%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.42%

Purchase Details

Closed on
Oct 21, 2020
Sold by
Whalen Pamela S and Whalen Joel C
Bought by
Smith Mark Allen and Smith Angie Glover

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$280,000
Interest Rate
2.8%
Mortgage Type
New Conventional

Purchase Details

Listed on
May 18, 2018
Closed on
Jul 17, 2018
Sold by
Murray Robert E and Murray Sylvia M
Bought by
Whalen Pamela Sharpe and Whalen Joel Charles
Seller's Agent
Lisa Hughley and Associates
Classic Luxury Real Estate LLC
Buyer's Agent
Darette Joy Villareal
Realty ONE Group Emerald Coast
List Price
$359,900
Sold Price
$359,900

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.15%

Purchase Details

Closed on
Feb 26, 2016
Sold by
Hw St Andrews Condos Llc
Bought by
Murray Robert E and Murray Sylvia M
Source: Public Records

Range of Values:

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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $627,500 Clear Title
Warranty Deed $627,500 Clear Title
Warranty Deed $520,000 South Oak Title
Warranty Deed $400,000 Advantage Title Llc
Warranty Deed $372,000 Rodgers Kiefer Title
Warranty Deed $300,000 Mti Title Ins Agency Inc
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $342,500 New Conventional
Closed $342,500 New Conventional
Previous Owner $280,000 New Conventional
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/28/2025 08/28/25 Sold $627,500 -0.2% $390 / Sq Ft
07/15/2025 07/15/25 Pending -- -- --
07/15/2025 07/15/25 For Sale $629,000 +21.0% $391 / Sq Ft
01/22/2023 01/22/23 Off Market $520,000 -- --
02/04/2022 02/04/22 Sold $520,000 +1.0% $323 / Sq Ft
01/20/2022 01/20/22 For Sale $515,000 +43.1% $320 / Sq Ft
07/17/2018 07/17/18 Sold $359,900 0.0% $224 / Sq Ft
06/07/2018 06/07/18 Pending -- -- --
05/18/2018 05/18/18 For Sale $359,900 -- $224 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Tax History Compared to Growth

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 $4,414 $400,541 -- --
2023 $4,414 $388,875 $0 $388,875
2022 $4,178 $329,588 $0 $0
2021 $3,633 $299,625 $0 $299,625
2020 $0 $299,625 $0 $0
2019 $3,613 $290,062 $0 $290,062
2018 $3,613 $282,603 $0 $0
2017 $3,278 $256,912 $0 $0
2016 $3,108 $212,356 $0 $0
2015 $3,109 $193,051 $0 $0
2014 $2,966 $175,501 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • T

    Seller's Agent in 2025

    Tina Gates

    Anchor Realty Florida

    (850) 238-2366

    28 in this area

    38 Total Sales

    Tina Gates
    Section Image
  • Patricia Wheeler

    Seller's Agent in 2022

    Patricia Wheeler

    Keller Williams Success Realty

    (850) 527-2275

    11 in this area

    147 Total Sales

    Patricia Wheeler
    Section Image

  • D

    Buyer's Agent in 2018

    Darette Joy Villareal

    Realty ONE Group Emerald Coast

    (850) 420-0407

    56 Total Sales

    Darette Joy Villareal
    Section Image
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Map

Source: Central Panhandle Association of REALTORS®

MLS Number: 777037

Central Panhandle Association of REALTORS®

APN: 40000-050-004

Florida Bay County Panama City Beach 32408 Upper Grand Lagoon

4121 Cobalt Cir Unit P104, Panama City Beach, FL

This home is located at 4121 Cobalt Cir Unit P104, Panama City Beach, FL 32408 and is currently priced at $627,500, approximately $390 per square foot. This property was built in 2007. 4121 Cobalt Cir Unit P104 is a home located in Bay County with nearby schools including J.R. Arnold High School, Surfside Middle School, and Patronis Elementary School.

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.

Central Panhandle Association of REALTORS® 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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