Schedule Tour
$457,900

109 Moonraker Cir

Panama City Beach, FL
Active
4
Bedrooms
2
Bathrooms
1,835
Square Feet
0.12
Lot Size (acres)
2020
Year Built
71
Days On Market

Welcome to Moonraker, one of Panama City Beach's most desirable communities including an HOA with a clubhouse and pool. This home is the Rhett plan and is loaded with high end premium upgrades. It is a 4-bedroom, 2-bath home offers 1,768 sq. ft. of stylish single-level living just minutes from the beach, M.B. Miller Pier, Shipwreck Island, dining, shopping, and entertainment. This home is situated on a neighborhood pond lot with views of a fountain and only a 2 block walk to the Gulf of America. Amazing price: The house has a 3 percent assumable VA loan! The house has over $35,000 of luxury upgrades to original home. This beach house features 9' ceilings, elegant tray ceilings, window coverings, and luxury LVP flooring in every room. The gourmet kitchen showcases granite countertops, stainless steel appliances, white cabinetry, a laundry room with a pantry, and extensive landscaping for an entertainers paradise. The private primary suite offers a tray ceiling, double vanities, soaking tub, and separate walk-in shower. This house has a mother-in-law suite where there is a private kitchen and bedroom sectioned off in its own space in the home. The house has a third driveway for that suite. High End Upgrades Include: • Luxury LVP flooring throughout the house in every room • Two kitchens in the house with main kitchen and a Mother-in-law kitchenette suite • Two laundry rooms • Upgraded lighting fixtures and door hardware • Ceiling fans in every bedroom • Professionally landscaped yard • Sidewalk surrounding the home for added convenience • Custom stone paver walkway • Tray ceilings and premium finishes throughout * Three car driveway This beach coastal home has all the modern luxury upgrades at an amazing price with a price you can't beat - Offering an assumable 3 percent VA rate loan! Save thousands and live close to the beach in this home with all the upgrades!

Listing Information

Listing Updated
27 days ago
Listed By
Cliff Glansen, 9549653990 · FLATFEE.COM, 9549653990
MLS#
793118
Source
Central Panhandle Association of REALTORS
Status
Active

Facts & Features

Location

Community Information

Address
109 Moonraker Cir, Panama City Beach, FL 32407
City
Panama City Beach
County
Bay
Neighborhood
Moonraker
Zip Code
32407

Architecture

Bedrooms
4
Bathrooms
2
Year Built
2020
Style
Craftsman
Construction Materials
Vinyl Siding, HardiPlank Type
Building Area
1,835 sq. ft.
Roof
Composition, Shingle
Garage
Yes
Garage Spaces
2

Features & Amenities

Appliances
Electric Range, Electric Water Heater
Patio and Porch
Covered, Patio
Community Features
Pool
Cooling
Central Air
Heating
Central

Property Features

Lot Size
0.12 Acres
Lot Features
Waterfront, Paved
View
Lake
Sewer
Public Sewer
Utilities
Cable Connected
Zoning
Resid Single Family

Square Footage

Total
1,835 sq. ft.

Tax & Financial Information

List Price
$457,900
Association Fee
$1,600 (paid Annually)
Fee Includes
Trash
Association Amenities
Trash, Pool

Schools

74/100
J.R. Arnold High School
High · Grades 09–12 · 0.9 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
61/100
Breakfast Point Academy
Elementary · Grades PK–08 · 1.1 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
57/100
A. Gary Walsingham Academy
Elementary · Grades PK–03 · 3.1 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
Hutchison Beach Elementary School
Elementary · Grades KG–05 · 0.9 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
52/100
Surfside Middle School
Middle · Grades 06–08 · 2 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
50/100
Patronis Elementary School
Elementary · Grades KG–05 · 3.9 mi
City
Panama City Beach
Students
852
Student body
86% White · 5% Hispanic / Latino · 4% Two or More Races
Free/reduced lunch
43%
Phone
(850) 767-5075

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
07/25/2026Listed for sale$457,900

Listed by Cliff Glansen · FLATFEE.COM · 9549653990

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 7, 2026 at 1:17 AM | Source: Central Panhandle Association of REALTORS | MLS#: 793118

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.