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$1,189,000

13649 Banana Wind Way

Panama City Beach, FL
Active
5
Bedrooms
4.5
Bathrooms
2,128
Square Feet
0.06
Lot Size (acres)
2023
Year Built
261
Days On Market

🌴Luxury 5-Bedroom Poolside Cottage at Margaritaville Beach Cottage Resort - Panama City Beach🌴 Your Gateway to Paradise! ROI is up 74% over last year, YTD and growing! Experience the ultimate coastal lifestyle at Margaritaville Beach Cottage Resort #31, Panama City Beach's only full-service beachfront resort. This exceptional 5-bedroom, 4.5-bath Caribbean-inspired cottage offers a rare blend of luxury living, resort-style amenities, and outstanding vacation-rental potential. Offering approximately 2,100+ square feet of heated and cooled living space, plus covered outdoor living areas, this thoughtfully designed home is ideal for personal use, second-home ownership, or potential high-performing short-term rentals. With direct access to the resort-style pool and just steps from the private beach, this property delivers an elevated guest experience even during peak seasons. 🏡The Home Step inside to a bright, coastal-chic retreat where modern beach elegance meets comfort and functionality. The open-concept floor plan is designed for entertaining and effortless living, highlighted by luxury vinyl plank flooring, 10-foot ceilings on the main level, and abundant natural light. The chef-inspired kitchen features white quartz countertops, a large island with seating for four, stainless steel gas appliances including a 36-inch range, and an adjacent dining area with seating for eight--perfect for hosting family and guests. The first-floor primary suite offers privacy and convenience with an ensuite bath featuring dual vanities and a walk-in shower, while a well-placed powder room serves the main living area. Upstairs, the home includes two additional ensuite bedrooms, two guest bedrooms connected by a Jack-and-Jill bath, and a discreetly tucked-away laundry area with built-in storage. Enjoy outdoor living on the furnished patio, ideal for relaxing after a day at the beach or pool. 🌊Resort Lifestyle & Amenities Margaritaville Beach Cottage Resort is a fully built-out, full-service beachfront community offering an impressive lineup of amenities: 580 feet of private beachfront with chair & umbrella service 2.5-acre heated oasis pool 425-foot lazy river and waterslides Poolside food & beverage service Paddleboard and kayak rentals Game lawn and beachfront activities On-site professional rental management team Daily resort services The resort's multi-level entertainment center is now open and beautifully completed, featuring a full-service restaurant, fully equipped fitness center, arcade, conference and event spaces, creating an exceptional environment for vacation rentals, corporate retreats, family reunions, and group gatherings. 📍Prime Panama City Beach Location Located just 2 miles from Pier Park, owners and guests enjoy easy access to championship golf, premier dining, shopping, entertainment, fishing, boating, and the iconic emerald waters of the Gulf of America. Located 15.7 miles from Northwest Florida Beaches International Airport. ⭐Investment & Lifestyle Opportunity Backed by a globally recognized coastal luxury lifestyle brand and supported by on-site professional rental management, this property represents a rare opportunity to own a luxury poolside cottage in one of Panama City Beach's most desirable resort communities. Live the dream. Share the dream. Welcome to Margaritaville Beach Cottage Resort #31.

Listing Information

Listing Updated
2 days ago
Listed By
Melissa Harris, 7703546442 · MJH Real Estate Brokerage, LLC, 7703546442
MLS#
783789
Source
Central Panhandle Association of REALTORS
Status
Active

Facts & Features

Location

Community Information

Address
13649 Banana Wind Way #31, Panama City Beach, FL 32413
City
Panama City Beach
County
Bay
Neighborhood
Margaritaville Cottages
Zip Code
32413

Architecture

Bedrooms
5
Bathrooms
4.5
Stories
2
Year Built
2023
Construction Materials
HardiPlank Type
Building Area
2,128 sq. ft.
Roof
Metal
Levels
Two
Garage Spaces
0
Parking Features
Paved, Additional Parking

Features & Amenities

Interior Features
Double Vanity
Appliances
Gas Cooktop, Electric Oven, Ice Maker, ENERGY STAR Qualified Appliances
Flooring
Vinyl
Patio and Porch
Patio
Community Features
Clubhouse, Pool, Fitness Center
Cooling
Central Air, ENERGY STAR Qualified Equipment
Heating
Central, ENERGY STAR Qualified Equipment

Property Features

Lot Size
0.06 Acres
Lot Features
Paved
Sewer
Public Sewer
Utilities
Cable Connected
Zoning
Resort

Square Footage

Total
2,128 sq. ft.

Tax & Financial Information

List Price
$1,189,000
Annual Taxes
$12,447
Association Fee
$2,225 (paid Quarterly)
Fee Includes
Trash, Maintenance Grounds, Water, Cable TV, Internet, Security
Association Amenities
Trash, Clubhouse, Pool, Water, Management, Beach Rights, Cable TV, Maintenance Grounds, Security, Game Room, Recreation Facilities

Schools

76/100
J.R. Arnold High School
High · Grades 09–12 · 2 mi
City
Panama City Beach
Students
1,617
Parent reviews
5.0★ avg · 2 reviews
Student body
71% White · 13% Hispanic / Latino · 9% Black
Free/reduced lunch
36%
Phone
(850) 767-3700
59/100
Breakfast Point Academy
Elementary · Grades PK–08 · 2.3 mi
City
Panama City Beach
Students
1,131
Parent reviews
3.3★ avg · 3 reviews
Student body
76% White · 10% Hispanic / Latino · 6% Two or More Races
Free/reduced lunch
44%
Phone
(850) 767-1190
54/100
A. Gary Walsingham Academy
Elementary · Grades PK–03 · 4.5 mi
City
Panama City Beach
Students
230
Student body
65% White · 14% Hispanic / Latino · 10% Black
Free/reduced lunch
17%
Phone
(850) 767-5475
53/100
Surfside Middle School
Middle · Grades 06–08 · 0.7 mi
City
Panama City Beach
Students
843
Parent reviews
2.5★ avg · 2 reviews
Student body
65% White · 14% Hispanic / Latino · 10% Black
Free/reduced lunch
48%
Phone
(850) 767-5180
51/100
Hutchison Beach Elementary School
Elementary · Grades KG–05 · 0.5 mi
City
Panama City
Students
619
Student body
66% White · 17% Hispanic / Latino · 7% Two or More Races
Free/reduced lunch
57%
Phone
(850) 767-5195

School ratings are provided for informational purposes only and are subject to change. Attendance boundaries are for reference only — contact the school or district directly to verify enrollment eligibility.

Historical Data

Price History

DateEventPrice
01/16/2026Listed for sale$1,189,000

Listed by Melissa Harris · MJH Real Estate Brokerage, LLC · 7703546442

Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Central Panhandle Association of REALTORS. All rights reserved.

Last Updated: October 2, 2026 at 11:07 AM | Source: Central Panhandle Association of REALTORS | MLS#: 783789

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