644 16th Street Panama City Beach, FL 32413
For Sale MLS# O6398252
2 beds 2 baths 863 sq ft Single Family
Details for 644 16th Street
MLS# O6398252
Description for 644 16th Street, Panama City Beach, FL, 32413
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!
Listing Information
Property Type: Residential, Single Family Residence
Status: Active
Bedrooms: 2
Bathrooms: 2
Lot Size: 0.17 Acres
Square Feet: 863 sq ft
Year Built: 1984
Stories: 1 Story
Construction: Stucco,Wood Frame
Construction Display: New Construction
Subdivision: White Sands Estates
Foundation: Slab
County: Bay
Construction Status: New Construction
Room Information
Main Floor
Kitchen: 8x11
Living Room: 12x18
Bedroom 2: 10x12
Primary Bedroom: 11x12
Bathrooms
Full Baths: 2
Additonal Room Information
Laundry: Outside, Washer Hookup, Laundry Room, Electric Dryer Hookup
Interior Features
Appliances: Electric Water Heater, Dishwasher, Dryer, Washer, Microwave, Range, Refrigerator
Flooring: Engineered Hardwood
Additional Interior Features: Walk-In Closet(s), High Ceilings, Eat-In Kitchen, Ceiling Fan(s), Kitchen/Family Room Combo, Main Level Primary, Open Floorplan
Utilities
Water: Public
Sewer: Septic Tank
Other Utilities: Cable Connected,Electricity Connected,High Speed Internet Available,Municipal Utilities,Water Connected
Cooling: Ceiling Fan(s), Central Air
Heating: Heat Pump, Central
Exterior / Lot Features
Parking Description: RV Access/Parking, Guest, driveway, Off Street, Oversized, Parking Pad, Boat
Roof: Metal
Lot Dimensions: 60x126
Fencing: Vinyl, Wood, Chain Link
Additional Exterior/Lot Features: Private Yard, Rear Porch, Covered, Deck, Corner Lot, City Lot
Out Buildings: Workshop, Shed(s), Storage
Community Features
Security Features: Smoke Detector(s)
Driving Directions
From US98 / Panama City Beach Parkway, go north on 14th St and then turn right on 16th St. The property is on the right hand side on the corner lot. Driveway is before 16th St. curves. If looking at the property from the street, this 1/2 duplex is the right side with oversized driveway and white vinyl fence.
Financial Considerations
Terms: Cash,Conventional,FHA,VA Loan
Tax/Property ID: 36582-144-000
Tax Amount: 1503.36
Tax Year: 2025
A broker reciprocity listing courtesy: LPT REALTY, LLC
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Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.
Sales History & Tax Summary for 644 16th Street
Sales History
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Tax Summary
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Schools
Schools nearby 644 16th Street
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The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.
SchoolDigger ® Rating
The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.
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