Schedule Tour
$449,900

532 Cove Villa St

Panama City Beach, FL
Active
4
Bedrooms
3.5
Bathrooms
2,602
Square Feet
0.11
Lot Size (acres)
2021
Year Built
108
Days On Market

NEW PHOTOS! MOTIVATED SELLER! LOW HOA! SHORT TERM RENTAL FRIENDLY! Exceptional value meets prime coastal living-this is currently the LOWEST priced 4-BED, 2,600+ sq ft home featuring a MAIN-FLOOR PRIMARY SUITE anywhere in PCB! YOUR COASTAL BEAUTY AWAITS! A 2021 CRAFTSMAN, TUCKED AWAY ON A PRIVATE CUL-DE-SAC. Deeply loved and meticulously maintained by its current family, this property is filled with warmth, character, and an incredible sense of home. Spanning over 2,600 square feet of brilliantly designed living space, this immaculate 4-bedroom, 3.5-bathroom residence is the definition of modern coastal comfort. With a fresh, open-concept layout and premium upgrades throughout, this house proves you do not have to sacrifice space for a phenomenal location. DESIGNED FOR EFFORTLESS EVERYDAY LIVING, THE FLOOR PLAN FEATURES TWO SEPARATE LIVING ROOMS TO GIVE EVERYONE IN THE FAMILY PLENTY OF COMFORTABLE SPACE TO SPREAD OUT. The main level offers ultimate privacy with a spacious 1ST FLOOR PRIMARY BEDROOM retreat featuring a massive walk-in closet and an en-suite bathroom that serves as a true oasis, boasting a large walk-in shower. The heart of the home is a beautiful chef's kitchen equipped with stunning granite countertops, a sleek smooth-top stove, high-end stainless steel appliances, pantry, and cabinetry offering incredible storage. Beautiful, durable vinyl plank flooring runs throughout the downstairs living areas, perfectly complementing the modern finishes while standing up to a busy lifestyle. Fully equipped for convenience, the property includes built-in smart-home technology with keyless entry, a touch-screen control panel, a smart doorbell, and Echo Dot integration. THE SECOND LEVEL IS AN ABSOLUTE DREAM FOR FAMILIES OR HOSTING GUESTS, HIGHLIGHTED BY A MASSIVE SECONDARY LIVING ROOM. This spacious upstairs family or game room is the perfect, comfortable flex space for a pool table, a cozy media room, or a private retreat for kids to relax and play. The generously sized upstairs bedrooms feature cozy carpeting and share a highly functional Jack-and-Jill bathroom. Step outside to your private outdoor oasis, where a covered patio overlooks a fully privacy-fenced backyard, creating a secure environment that has been the setting for countless weekend cookouts and wonderful family memories. LOCATION IS EVERYTHING, AND FOR MILITARY BUYERS, THIS IS THE ULTIMATE PCS DREAM WITH NSA PANAMA CITY RIGHT AT YOUR DOORSTEP. From your quiet cul-de-sac, your morning commute to the Navy base is literally under five minutes, making it an absolute dream for active duty families or busy professionals. When it is time to unwind, you are perfectly positioned less than ten minutes from the pristine shores of St. Andrews State Park and the sugar-white sand beaches. Spend your weekends exploring the waterfront dining and shopping of the Grand Lagoon, grabbing authentic local flavor at Dat Cajun Place, or celebrating the sunset at the legendary Schooners. PRICED COMPETITIVELY, THIS INCREDIBLY LOVED HOME REPRESENTS A FANTASTIC VALUE AND THE PERFECT LANDING SPOT FOR A RELOCATION. This property is incredibly versatile and warmly welcomes VA, FHA, Conventional, and Cash buyers. A nearly-new build with two living spaces, this much square footage, and this level of comfort is a rare find on the coast, so schedule your private tour today!

Listing Information

Listing Updated
09/02/2026
Listed By
Danielle S Kemp, 8508962487 · CENTURY 21 Ryan Realty Inc, 8502337926
MLS#
791523
Source
Central Panhandle Association of REALTORS
Status
Active

Facts & Features

Location

Community Information

Address
532 Cove Villa St, Panama City Beach, FL 32407
City
Panama City Beach
County
Bay
Neighborhood
Emerald Cove Villas
Zip Code
32407

Architecture

Bedrooms
4
Bathrooms
3.5
Stories
2
Year Built
2021
Style
Craftsman
Construction Materials
Frame, HardiPlank Type
Building Area
2,602 sq. ft.
Roof
Shingle
Levels
Two
Garage
Yes
Garage Spaces
2
Parking Features
Garage Door Opener, Garage

Features & Amenities

Interior Features
Walk-In Closet(s), Double Vanity
Appliances
Electric Range, Electric Water Heater
Patio and Porch
Covered, Porch, Screened
Cooling
Ceiling Fan(s), Central Air
Heating
Electric, Central

Property Features

Lot Size
0.11 Acres
Lot Features
Cul-De-Sac, Paved
Sewer
Public Sewer
Utilities
Electricity Available, Cable Connected, Underground Utilities
Zoning
County, Resid Single Family

Square Footage

Total
2,602 sq. ft.

Tax & Financial Information

List Price
$449,900
Association Fee
$620 (paid Annually)
Association Amenities
Management

Schools

87/100
Oakland Terrace School For The Visual And Performing Arts
Grades M–M · 4.5 mi
City
Panama City
Students
328
Student–teacher
13.6
Parent reviews
5.0★ avg · 1 review
Student body
36% White · 32% Black · 23% Hispanic / Latino
Free/reduced lunch
78%
Phone
(850) 767-4565
77/100
University Academy Sabl Inc
Elementary · Grades KG–08 · 4.8 mi
City
Panama City
Students
303
Parent reviews
5.0★ avg · 1 review
Student body
73% White · 8% Black · 8% Two or More Races
Free/reduced lunch
32%
Phone
(850) 215-0097
76/100
J.R. Arnold High School
High · Grades 09–12 · 3.1 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
62/100
Breakfast Point Academy
Elementary · Grades PK–08 · 2.8 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 · 0.6 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
Rising Leaders Academy
7th & Above · Grades KG–12 · 4.4 mi
City
Panama City
Students
102
Student body
79% White · 9% Black · 5% Asian
Free/reduced lunch
27%
Phone
(850) 215-0844
53/100
Central High School
High · Grades 09–12 · 4.9 mi
City
Panama City
Students
151
Student body
66% White · 23% Black · 6% Two or More Races
Free/reduced lunch
37%
Phone
(850) 215-0770
51/100
Hutchison Beach Elementary School
Elementary · Grades KG–05 · 4.5 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
06/18/2026Listed for sale$449,900

Listed by Danielle S Kemp · CENTURY 21 Ryan Realty Inc · 8502337926

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: September 2, 2026 at 4:17 PM | Source: Central Panhandle Association of REALTORS | MLS#: 791523

Let's work together

Start Your Real Estate Journey

Whether you have questions about this listing, want to schedule a showing, or just want to talk through your options, Alene Civil is here to help. Reach out and expect a response within one business day.

How can I help?

Alene Civil is here to help. Reach out and expect a response within one business day.

Lending calculator

Make A Plan For Your Purchase

Know what you can afford before you start shopping — then run the numbers on any home you have in mind.

How much house can I afford?

$500,000
You can afford
$0
Monthly payment
  • Principal & interest
  • Property taxes
  • Homeowner's insurance
  • HOA dues

Enter your income, debts, and down payment to see how much home you may qualify for. Estimates only — not a lending decision.

Want to know more?

Keisha is here to help. Reach out and expect a response within one business day.

Mortgage pre-approval

Your Next Chapter Starts With Just A Few Steps

Before you fall in love with a home, know what you can afford. Fill out a quick pre-approval so you're ready to make your move — on your timeline.

Keisha
Durand
Keisha
LO NMLS: #972729

Pre-approval made easy

We're here to help you find the best option, not to help the best option find you. Trust that your information will not be shared with many different lenders like so many platforms do.