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4109 Ocean Street
Panama City Beach, FL 32408

Name: Open House - 4109 Ocean Street, Panama City Beach, FL 32408
Start: 2026-04-17T13:00:00-04:00
End: 2026-04-17T16:00:00-04:00
Location: 4109 Ocean Street, Panama City Beach, FL 32408

$847,000 - Status: Active

Beds: 3

Baths: 2 full

SQFT (H&C): 1,600

MLS# 990993

Welcome to your slice of coastal paradise just steps from sugar-white sand and emerald waters?no roads to cross, no HOA, and your own PRIVATE POOL. This beach home offers walkable Gulf access, beach views, and resort-style living, perfect as a full-time residence, second home, or income-producing retreat. Enjoy dining, entertainment, and the heart of beach life. Highlights include a private backyard oasis with pool and outdoor shower, hardwood floors, Silver Pearl granite, stainless appliances, touch faucet, and electric fireplace. Outdoor living shines with two balconies, a porch flowing to the pool, and a converted garage game room. With no HOA, walkability, and peak season near, this rare coastal gem won't last.

Upcoming Open Houses

Open House Friday April 17th, 1:00pm - 4:00pm

Print Open House Details

Property Features

MLS#: 990993

Zip: 32408

Subdivision: Cottages On Ocean

Development: 27 - Bay County

Property Type: Residential - Single Family

Cooling: Ceiling Fans, Central Air

Days on Site: 129

Fenced: Yes

Heating: Central

Home Style: Florida Cottage

Lot Size: 0.07 acres

Stories: 2.0

Taxes: $5,446

Year Built: 2003

SQFT (H&C): 1,600

Feature Descriptions

Appliances: Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Smoke Detector, Smooth Stovetop Rnge, Washer, Water Heater - Elect

Community Features: Short Term Rental - Allowed, Pets Allowed, Pool

Exterior: Balcony, BBQ Pit/Grill, Fenced Back Yard, Shower

Exterior: Stucco

Fencing: Fenced Privacy

Financing Terms: Conventional, FHA, VA

Fireplace: Fireplace Gas, Fireplace

Fireplace Y/N: Yes

Flooring: Floor Hardwood

Interior: Breakfast Bar, Ceiling Cathedral

Lot Description: Within 1/2 Mile to Water

Lot Dimensions: 30x100

Parcel Number: 30388-000-000

Patio/Porch: Porch

Pool Features: Pool - In-Ground, Pool Type

Property Condition: Construction Complete

Road Frontage: City Street

Rooms Total: 5

Sewer: Public Sewer

Special View Info: Gulf

Sub Type: Detached Single Family

Utilities: Electric, Public Water, TV Cable

Window: Window Treatment All

Room Sizes

Primary Bedroom: 16 X 13 Level - Second

Bedroom: 14 X 11 Level - First

Bedroom: 12 X 10 Level - First

Garage: 10 X 20 Level - First

Kitchen: 10 X 15 Level - Second

Local Schools

High School: Arnold

Middle School: Surfside

Elementary School: Patronis

4109 Ocean Street | MLS# 990993

This single family home located at 4109 Ocean Street, Panama City Beach, FL 32408 is currently listed for sale with an asking price of $847,000. This property was built in 2003 and has 3 bedrooms and 2 full baths with 1600 sq. ft. Ocean Street is located in the Cottages on Ocean subdivision. Search Cottages On Ocean real estate on www.beachybeach.com today.