644 16TH STREET Panama City Beach, FL $ 275,000
644 16TH STREET
$ 275,000
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644 16TH STREET

Panama City Beach, FL, 32413
$ 275,000
Bedrooms2 Baths2.0 Sq 863

Monthly Estimate*

$ 1,693

644 16TH STREET, Panama City Beach, FL 32413 - Image 1
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Apartment for sale in Panama City Beach, FL

for $275,000 with 2 bedrooms and 2 full baths. This 863 square foot apartment was built in 1984 on a lot size of 0.17.

Discover peaceful coastal living in the highly sought-after Laguna Beach / West End area of Panama City Beach! This charming 2-bedroom, 2-bathroom half-duplex home offers the perfect blend of relaxed residential charm and smart investment potential. Situated on a quiet residential street on a corner lot with a no-outlet cul-de-sac, traffic stays to a minimum. No HOA or CDD! No flood insurance required (Zone X). Just under 1 mile to public beach access, you’re only minutes from sugar-white sands and emerald Gulf waters—without the crowds, traffic, or tourist hustle of central PCB. Enjoy nearby hiking trails at Camp Helen State Park (5 miles). Grocery options are very convenient: Carousel Supermarket and Publix are both under 3 miles away, with additional shopping and dining just 6 miles east at Pier Park or Rosemary Beach / Seacrest a short drive further west. For the boaters, public boat ramps at Lake Powell Park or B.V. Buchanan Park are both under 15 minutes away. Perfect for first-time buyers seeking an affordable entry into beach-area living, VA military and veterans (convenient to Tyndall AFB and the VA West End Clinic), investors looking for a turnkey short- or long-term rental property, or those just wanting a quiet, low-maintenance retreat away from high-traffic zones. For investors or those seeking an income-producing second home, this property has a proven 5-year track record as a successful short-term rental, delivering excellent income potential. Additional features include an oversized double-driveway with plenty of room for an RV or 30' boat/trailer, plus a spacious fenced-in yard perfect for your pets, complete with a workshop and additional shed! Turnkey opportunity in one of Panama City Beach’s most desirable and peaceful West End pockets—where authentic beach lifestyle meets smart ownership!

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Apartment Active

Price

$ 275,000

Bedrooms

2

Full Bath

2

Property Type

Apartment

Taxes

$ 1,503

Style

1/2 Duplex

Lot Size

0.17

Year Built

1984

Town/City

Panama City Beach

County/Region

Bay

MLS | Web ID

O6398252

Features
General
Sewer Septic Tank
Heating Central Heat Pump
Cooling Central Air
Utilities BB/HS Internet Available Cable Connected Electricity Connected Public Water Connected
Possession Close Of Escrow
Roof Metal
Appliances Dishwasher Dryer Electric Water Heater Microwave Range Refrigerator Washer
Zoning R-3
Patio/Porch Features Covered Deck Rear Porch
Security Features Smoke Detector(s)
Construction Materials Stucco Wood Frame
Year Built 1984
Levels One
Property Subtype 1/2 Duplex
Tax Year 2025
Ownership Fee Simple
County Bay
New Construction false
Property Type Residential
Attached Garage false
Subdivision Name WHITE SANDS ESTATES
Facing Direction North
Garage Y/N false
Other Structures Shed(s) Storage Workshop
Total Rooms 4
Full Baths 2
Status Active
Directions From US98 / Panama City Beach Parkway go north on 14th St and then turn right on 16th St. The property is on the right hand side on the corner lot. Driveway is before 16th St. curves. If looking at the property from the street this 1/2 duplex is the right side with oversized driveway and white vinyl fence.
City PANAMA CITY BEACH
Senior Community Y/N false
MLS Area 32413 - Panama City Beach
Lot Size Units Square Feet
Lot Size Square Feet 7536
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Land Lease Y/N false
Tax Annual Amount 1503.36
Property Condition Completed
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.propertypanorama.com/instaview/stellar/O6398252
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Tax Lot 22
Legal Description WHITE SANDS ESTATES (2.20) W 60.55' OF LOT 22 BLK B ORB 4688 P 294
Minimum Lease 1-7 Days
Water Access Y/N false
Water View Y/N false
Flood Zone Code X
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Interior
Interior Amenities Ceiling Fan(s) Eating Space In Kitchen High Ceilings Kitchen/Family Room Combo Open Floorplan Primary Bedroom Main Floor Thermostat Walk-In Closet(s)
Flooring Engineered Hardwood
Total Stories 1
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 0
Laundry Features Electric Dryer Hookup Laundry Room Outside Washer Hookup
Total Bedrooms 2
Total Baths 2
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Exterior
Exterior Amenities Private Yard Sliding Doors
Fencing Chain Link Vinyl Wood
Parking Features Boat Driveway Guest Off Street Oversized Parking Pad RV Parking
Lot Features Corner Lot City Lot
Water Source Public
Lot Size Area 7536
Foundation Details Slab
Building Area Total 1063
Lot Dimensions 60 x 126
Lot Size Acres 0.17
Road Surface Type Paved Asphalt
Private Pool false
Waterfront Y/N false
Road Frontage Type Street Paved
Road Responsibility Public Maintained Road
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* Excluded Features
List By
Lpt Realty, Llc

Broker

rooneyrealtyorlando@gmail.com

Email

Affordability Calculator

$1,818
Per Month
93%
7%
0%
Monthly Principal & Interest
$1,693
Monthly Property Taxes
$125
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
4/14/2026$275,000 Listed Price

Map


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644 16TH STREET, Panama City Beach, FL, 32413 is a Apartment for sale at $275,000 with 863 sqft and a lot size of 0.17. 644 16TH STREET has 2 bedrooms, 2.0 baths, and was built in 1984. The property's zip code is 32413 which is in Panama City Beach, FL