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$1,730,000

4109 Choctaw St

Panama City, FL
Active
4
Bedrooms
3.5
Bathrooms
2,174
Square Feet
0.14
Lot Size (acres)
2021
Year Built
198
Days On Market

HEATED POOL- STEPS TO BEACH Last years rental income in the high $90 and this year is on its way to over $100K Ideal as a beach rental or second home, this stunning property offers the perfect blend of comfort and coastal charm. Located just moments from beach access, it features a private fenced-in pool and two owner's suites for ultimate convenience. Upstairs, the primary owner's suite boasts balcony access, a tile shower, granite countertops, and a double vanity. The second level also includes a bunk room, two additional King-sized bedrooms, and a shared bath. Downstairs, the open-concept living and dining area creates a welcoming space for gatherings. The kitchen overlooks the living room and features granite countertops, a large island, stainless steel appliances, and crisp white cabinetry. The first-floor owner's suite provides added flexibility, while French doors lead from the living area to a covered patio, private pool, and outdoor shower—perfect for enjoying the coastal breeze. Don't miss out on this incredible beachside retreat!

Listing Information

Listing Updated
08/19/2026
Listed By
Beth A Jones, 8507143396 · Blue Swell Realty, 8552337037
MLS#
787149
Source
Central Panhandle Association of REALTORS
Status
Active

Facts & Features

Location

Community Information

Address
4109 Choctaw St, Panama City, FL 32408
City
Panama City
County
Bay
Neighborhood
Silver Sands Beach
Zip Code
32408

Architecture

Bedrooms
4
Bathrooms
3.5
Year Built
2021
Style
Coastal
Construction Materials
HardiPlank Type
Building Area
2,174 sq. ft.
Roof
Metal
Garage Spaces
0
Parking Features
No Garage

Features & Amenities

Interior Features
Walk-In Closet(s), Double Vanity
Appliances
Electric Range, Convection Oven
Exterior Features
Balcony, Outdoor Shower
Patio and Porch
Covered, Patio, Porch
Cooling
Ceiling Fan(s), Central Air
Heating
Central

Property Features

Lot Size
0.14 Acres
Lot Features
Paved
Utilities
Electricity Available
Zoning
Resid Single Family

Square Footage

Total
2,174 sq. ft.

Tax & Financial Information

List Price
$1,730,000
Annual Taxes
$14,376

Schools

73/100
J.R. Arnold High School
High · Grades 09–12 · 3.6 mi
City
Panama City Beach
Students
1,755
Parent reviews
5.0★ avg · 4 reviews
Student body
80% White · 7% Hispanic / Latino · 5% Black
Free/reduced lunch
34%
Phone
(850) 767-3700
62/100
Breakfast Point Academy
Elementary · Grades PK–08 · 3.4 mi
City
Panama City Beach
Students
1,044
Parent reviews
3.3★ avg · 6 reviews
Student body
67% White · 14% Hispanic / Latino · 8% Black
Free/reduced lunch
44%
Phone
(850) 767-1190
54/100
Hutchison Beach Elementary School
Elementary · Grades KG–05 · 4.4 mi
City
Panama City Beach
Students
580
Student body
68% White · 14% Hispanic / Latino · 7% Black
Free/reduced lunch
42%
Phone
(850) 767-5195
52/100
Patronis Elementary School
Elementary · Grades KG–05 · 1.1 mi
City
Panama City Beach
Students
650
Student body
74% White · 11% Hispanic / Latino · 9% Two or More Races
Free/reduced lunch
33%
Phone
(850) 767-5075
48/100
Lucille Moore Elementary School
Elementary · Grades PK–05 · 4.6 mi
City
Panama City
Students
545
Parent reviews
1.0★ avg · 2 reviews
Student body
36% White · 27% Hispanic / Latino · 26% Black
Free/reduced lunch
73%
Phone
(850) 767-1428
45/100
A. Gary Walsingham Academy
Elementary · Grades PK–05 · 2.4 mi
City
Panama City Beach
Students
470
Student–teacher
16.7
Student body
56% White · 17% Black · 15% Hispanic / Latino
Free/reduced lunch
40%
Phone
(850) 767-5475

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
03/21/2026Listed for sale$1,730,000

Listed by Beth A Jones · Blue Swell Realty · 8552337037

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: August 19, 2026 at 4:58 PM | Source: Central Panhandle Association of REALTORS | MLS#: 787149

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