520 Sandy Ln Panama City Beach, FL 32413
Estimated payment $4,165/month
Highlights
- In Ground Pool
- 0.28 Acre Lot
- No HOA
- J.R. Arnold High School Rated A-
- Traditional Architecture
- Covered Patio or Porch
About This Home
Welcome to 520 Sandy Lane, a flexible income-producing property with three separate rental configurations or the option to enjoy it as a full family home. Currently offered as Cape Calm (upstairs), Sugar Shores Sanctuary (downstairs), and Twilight Tides (whole home), this property is designed to maximize both revenue and livability. The downstairs suite has just been freshly renovated with its own bedroom, bathroom, and kitchenette—perfect as a private rental or a true mother-in-law suite.
In 2024 the combined listings produced strong returns across Airbnb, Vrbo, Booking.com, and direct bookings, bringing in consistent guest demand throughout the year. In 2025, year-to-date performance continues to show stable occupancy and impressive gross totals, making this an excellent option for investors seeking multiple income streams or families looking for a property that grows with them.
The upstairs unit offers bright, spacious living, while the full-home option provides versatility for larger groups. With the ability to rent all together or separately, the home appeals to a wide range of guests. Modern finishes, a private layout, and a recently updated downstairs retreat make this property a rare opportunity to combine personal use with proven profitability.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,266
Year Built
- Built in 1982
Lot Details
- 0.28 Acre Lot
- Lot Dimensions are 70x175
- Property fronts a county road
- Dirt Road
- Fenced
- Sprinkler System
Home Design
- Traditional Architecture
- Vinyl Siding
Interior Spaces
- 2-Story Property
- Ceiling Fan
- Electric Fireplace
- Living Room
- Smart Thermostat
Kitchen
- Microwave
- Freezer
- Dishwasher
- Kitchen Island
Bedrooms and Bathrooms
- 4 Bedrooms
- Split Bedroom Floorplan
- 3 Full Bathrooms
Laundry
- Dryer
- Washer
Parking
- Detached Carport Space
- Driveway
Pool
- In Ground Pool
- Fence Around Pool
- Outdoor Shower
- Gunite Pool
Outdoor Features
- Covered Patio or Porch
Schools
- West Bay Elementary School
- Surfside Middle School
- Arnold High School
Utilities
- Ductless Heating Or Cooling System
- Central Heating and Cooling System
- Septic Tank
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 | $3,712 | $343,918 | $74,488 | $269,430 |
| 2023 | $3,712 | $283,307 | $86,500 | $220,541 |
| 2022 | $3,019 | $257,552 | $53,550 | $204,002 |
| 2021 | $1,326 | $145,051 | $0 | $0 |
| 2020 | $1,321 | $143,048 | $0 | $0 |
| 2019 | $1,295 | $139,832 | $0 | $0 |
| 2018 | $1,285 | $137,225 | $0 | $0 |
| 2017 | $1,230 | $131,875 | $0 | $0 |
| 2016 | $1,278 | $133,824 | $0 | $0 |
| 2015 | $1,355 | $136,544 | $0 | $0 |
| 2014 | $1,376 | $138,257 | $0 | $0 |
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 08/27/2025 08/27/25 | For Sale | $714,900 | +69.2% | $394 / Sq Ft |
| 08/03/2023 08/03/23 | Sold | $422,500 | 0.0% | $233 / Sq Ft |
| 08/03/2023 08/03/23 | Sold | $422,500 | -2.2% | $233 / Sq Ft |
| 07/09/2023 07/09/23 | Pending | -- | -- | -- |
| 07/05/2023 07/05/23 | Price Changed | $432,000 | 0.0% | $238 / Sq Ft |
| 07/04/2023 07/04/23 | Price Changed | $432,000 | -3.9% | $238 / Sq Ft |
| 06/08/2023 06/08/23 | Price Changed | $449,500 | -0.1% | $248 / Sq Ft |
| 03/30/2023 03/30/23 | For Sale | $449,900 | 0.0% | $248 / Sq Ft |
| 02/18/2023 02/18/23 | Pending | -- | -- | -- |
| 02/08/2023 02/08/23 | For Sale | $449,900 | 0.0% | $248 / Sq Ft |
| 02/07/2023 02/07/23 | For Sale | $449,900 | -- | $248 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $422,500 | Mti Title | |
| Warranty Deed | $422,500 | Mti Title | |
| Warranty Deed | $311,000 | Mti Title Insurance Agcy Inc | |
| Warranty Deed | $224,000 | Acquire Land Title Pcb Llc | |
| Personal Reps Deed | $160,000 | Fidelity National Title Insu |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $456,858 | New Conventional | |
| Closed | $447,900 | Construction | |
| Previous Owner | $179,200 | Unknown | |
| Previous Owner | $128,000 | Unknown | |
| Closed | $32,000 | No Value Available |
Source: Central Panhandle Association of REALTORS®
MLS Number: 778274
APN: 37239-005-000
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.
- 463 Paradise Blvd
- 475 Paradise Blvd
- 405 Paradise Blvd
- 411 Paradise Blvd
- 471 Paradise Blvd
- 470 Paradise Blvd
- 312 El Reposo Place
- 558 N Lakeshore Dr
- 309 Paridiso Place Unit B
- 309 Paridiso Place Unit A
- 313 Laureno Place
- 132 N Wells St
- 431 Paradise Blvd
- 242 N Wells St
- 127 N San Souci Blvd
- 19417 Plaza Ave
- 321 Deluna Place
- 253 N Wells St
- 214 Placido Place
- 20018 Panama City Beach Pkwy
- 201 N San Souci Blvd
- 213 Coronado Place
- 108 N San Souci Blvd
- 115 N Vestavia St
- 203 Coronado Place
- 212 Romanza Place Unit ID1049730P
- 205 W Toledo Place
- 202 Corto Place Unit ID1285294P
- 304 La Paloma Place Unit ID1049725P
- 304 Casa Place Unit ID1049729P
- 216 La Paloma Place Unit ID1297497P
- 314 Jasmine Place
- 90 Sandal Ln
- 17751 Panama City Beach Pkwy Unit 1A
- 17751 Panama City Beach Pkwy Unit 9F
- 17757 Front Beach Rd Unit 1908B
- 17620 Front Beach Rd Unit 3N
- 17670 Front Beach Rd Unit H 11
- 220 15th St
- 17642 Front Beach Rd Unit I7