644 16TH STREET, PANAMA CITY BEACH, FL 32413 | MLS #MFRO6398252 | Berkshire Hathaway HomeServices Florida Network Realty
Maria Wilkes

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Listing provided courtesy of LPT REALTY, LLCas Distributed by MLSGrid- MLS# MFRO6398252MLS Provider

644 16TH STREETPANAMA CITY BEACH, FL 32413

Single Family · 2 Beds · 2 Full Baths · 863 Sq. ft. | 0.17 Acres
$234,900 Active

644 16TH STREET Overview

Time on Site:
77 days
Visits:
0

Discover peaceful coastal living in the highly sought-after Laguna Beach / West End area of Panama City Beach! This charming 2-bedroom, 2-bathroom half-duplex home offers the perfect blend of relaxed residential charm and smart investment potential. Situated on a quiet residential street on a corner lot with a no-outlet cul-de-sac, traffic stays to a minimum. No HOA or CDD! No flood insurance required (Zone X). Just under 1 mile to public beach access, you’re only minutes from sugar-white sands and emerald Gulf waters—without the crowds, traffic, or tourist hustle of central PCB. Enjoy nearby hiking trails at Camp Helen State Park (5 miles). Grocery options are very convenient: Carousel Supermarket and Publix are both under 3 miles away, with additional shopping and dining just 6 miles east at Pier Park or Rosemary Beach / Seacrest a short drive further west. For the boaters, public boat ramps at Lake Powell Park or B.V. Buchanan Park are both under 15 minutes away. Perfect for first-time buyers seeking an affordable entry into beach-area living, VA military and veterans (convenient to Tyndall AFB and the VA West End Clinic), investors looking for a turnkey short- or long-term rental property, or those just wanting a quiet, low-maintenance retreat away from high-traffic zones. For investors or those seeking an income-producing second home, this property has a proven 5-year track record as a successful short-term rental, delivering excellent income potential. Additional features include an oversized double-driveway with plenty of room for an RV or 30' boat/trailer, plus a spacious fenced-in yard perfect for your pets, complete with a workshop and additional shed! Turnkey opportunity in one of Panama City Beach’s most desirable and peaceful West End pockets—where authentic beach lifestyle meets smart ownership!

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644 16TH STREET Facts & Features

  • Type Single Family
  • Sq. ft. 863
  • Price/Sq.ft. $272
  • Lot 0.17 Acres

Details

General

Association/HOA

  • Association: No

Building Information

  • New Construction: No
  • Year Built: 1984

Location/Region

  • Country: US
  • County Or Parish: Bay
  • MLS Area Major: 32413 - Panama City Beach
  • Subdivision Name: WHITE SANDS ESTATES
  • Township: 03S

Tax Information

  • Tax Annual Amount: 1503.36
  • Tax Year: 2025

General Information

  • Listing Terms: Cash,Conventional,FHA,VA Loan
  • Ownership: Fee Simple
  • Parcel Number: 36582-144-000
  • Property Condition: Completed
  • Property Sub Type: Half Duplex
  • Property Type: Residential
  • Senior Community: No
  • Special Listing Conditions: None
  • Zoning: R-3

Interior

Parking Information

  • Garage: No

Beds/Baths

  • Bathrooms Full: 2
  • Bathrooms Half: 0
  • Bathrooms Total: 2
  • Bedrooms Total: 2

Building Interior

  • Building Area Source: Public Records
  • Building Area Total: 1063
  • Building Area Units: Square Feet

General Information

  • Appliances: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Cooling: Central Air
  • Fireplace: No
  • Flooring: Hardwood
  • Foundation Details: Slab
  • Heating: Central,Heat Pump
  • Interior Features: Ceiling Fans(s),Eat-in Kitchen,High Ceilings,Kitchen/Family Room Combo,Open Floorplan,Primary Bedroom Main Floor,Thermostat,Walk-In Closet(s)
  • Laundry Features: Electric Dryer Hookup,Laundry Room,Outside,Washer Hookup
  • Levels: One
  • Living Area: 863
  • Living Area Source: Public Records
  • Living Area Units: Square Feet
  • Other Equipment: Private Yard
  • Security Features: Smoke Detector(s)
  • Stories Total: 1

Exterior

Parking Information

  • Parking Features: Boat,Driveway,Guest,Off Street,Oversized,Parking Pad,RV Access/Parking

Lot Information

  • Additional Parcels: No
  • Lot Features: Corner Lot,City Limits,Paved
  • Lot Size Acres: 0.17
  • Lot Size Dimensions: 60x126
  • Lot Size Square Feet: 7536
  • Road Responsibility: Public Maintained Road
  • Road Surface Type: Asphalt
  • Water Source: Public

Waterfront/View

  • Waterfront: No

Building Exterior/Construction

  • Attached Garage: No
  • Construction Materials: Stucco,Frame
  • Direction Faces: North
  • Patio And Porch Features: Covered,Deck,Rear Porch
  • Roof: Metal

General Information

  • Carport: No
  • Exterior Features: Private Yard,Sliding Doors
  • Fencing: Chain Link,Vinyl,Wood
  • Other Structures: Shed(s),Storage,Workshop
  • Pool Private: No
  • Sewer: Septic Tank
  • Utilities: BB/HS Internet Available,Cable Connected,Electricity Connected,Public,Water Connected

Room Information

Room: Bedroom 2

  • Level: First
  • Dimensions: 12x10
  • Length: 10
  • Width: 12
  • Features: Ceiling Fan(s)

Room: Kitchen

  • Level: First
  • Dimensions: 11x8
  • Length: 8
  • Width: 11
  • Features: Bar,Closet Pantry,Kitchen Island,Pantry

Room: Living Room

  • Level: First
  • Dimensions: 18x12
  • Length: 12
  • Width: 18
  • Features: Ceiling Fan(s)

Room: Primary Bedroom

  • Level: First
  • Dimensions: 12x11
  • Length: 11
  • Width: 12
  • Features: Ceiling Fan(s)

644 16TH STREET Neighborhood

Community

32413 (PANAMA CITY BEACH) Demographics

53
Median Age
180
Population Density (per sq. mile)
48%
College Educated
$72,275
Estimated Median Income
4,913
Estimated Total Home Owners
1,645
Estimated Total Renters
75% / 25%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data unavailable, School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

644 16TH STREET Monthly Cost

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Dylan Leitman
* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

644 16TH STREET Market Data

Based on the last 30 days in this zip code

$765,208
Average List Price
$471
Average Price per Square Foot
0
Properties Sold
92
Average Days on Market
1,244
Properties for Sale
Calculations provided by Reliance Network

644 16TH STREET History

Date Event Value Agent
6/11/2026Source: My Florida Regional MLS Price Reduction
$234,900 -6.0%
5/26/2026Source: My Florida Regional MLS Price Reduction
$249,900 -2.0%
5/11/2026Source: My Florida Regional MLS Price Reduction
$254,900 -3.8%
4/27/2026Source: My Florida Regional MLS Price Reduction
$265,000 -3.6%
4/14/2026Source: My Florida Regional MLS Added to Database
April 14, 2026