532 Cove Villa Street Panama City Beach, FL 32407
Listing Courtesy of: CENTRAL PANHANDLE / Listed By: Danielle Kemp, Century 21 Ryan Realty; Natalie Ryan, Ryan Realty

  532 Cove Villa Street Panama City Beach, FL 32407

Active (119 Days)
$445,000 (USD)
4
BED
4
BATH
2,602
SQFT

Description

PRICED TO SELL! LOW HOA! SHORT-TERM RENTAL FRIENDLY!

UNBEATABLE COASTAL VALUE MEETS SERENE LIVING--THIS IS CURRENTLY THE LOWEST-PRICED 4-BED, 2,600+ SQ FT HOME WITH A MAIN-FLOOR PRIMARY SUITE IN ALL OF PCB! Tucked away on a quiet, private cul-de-sac, this immaculate 2021 Craftsman spans over 2,600 square feet of brilliantly planned living space. Meticulously cared for and filled with warmth, character, and comfort, this 4-bedroom, 3.5-bathroom residence pairs a fresh, open-concept design with premium upgrades throughout, proving you never have to sacrifice square footage for a premier beachside address.

DESIGNED FOR EFFORTLESS EVERYDAY LIVING, THE VERSATILE FLOOR PLAN FEATURES TWO SEPARATE LIVING ROOMS TO GIVE EVERYONE PLENTY OF ROOM TO SPREAD OUT. The ground level delivers total privacy with a spacious first-floor primary suite retreat, featuring a massive walk-in closet and an en-suite bath oasis with a grand walk-in shower. The heart of the home is a chef-inspired kitchen outfitted with sleek granite countertops, a smooth-top range, high-end stainless steel appliances, a pantry, and rich cabinetry offering exceptional storage. Beautiful, resilient vinyl plank flooring flows across the entire downstairs living area, pairing clean modern lines with worry-free durability. Fully wired for modern living, the property features integrated smart-home technology, including keyless entry, a touch-screen hub, a video doorbell, and Echo Dot voice control.

THE SECOND LEVEL IS AN ENTERTAINER'S DREAM FOR FAMILY OR GUESTS, CENTERED AROUND AN EXPANSIVE SECOND LIVING AREA. This massive upstairs game and media room serves as the ultimate flex space for a pool table, movie nights, or a dedicated kids' retreat. Generous upper-level bedrooms feature plush carpeting and connect via a highly practical Jack-and-Jill bathroom. Step outside to your private coastal haven, where an inviting covered porch opens to a fully privacy-fenced backyard, creating the perfect backdrop for weekend cookouts, outdoor games, and lasting memories.

LOCATION IS EVERYTHING, AND FOR MILITARY BUYERS, THIS IS THE ULTIMATE PCS LANDING SPOT WITH NSA PANAMA CITY LITERALLY FIVE MINUTES AWAY. Enjoy a stress-free morning commute to the Navy base or local professional hubs right from your peaceful cul-de-sac. When the weekend arrives, you are positioned under ten minutes from the emerald waters and white dunes of St. Andrews State Park. Immerse yourself in the Grand Lagoon lifestyle with world-class boating, fresh seafood at Dat Cajun Place, and iconic sunset views at Schooners.

COMPETITIVELY PRICED AND METICULOUSLY MAINTAINED, THIS NEARLY-NEW COASTAL BUILD DELIVERS UNRIVALED SCALE AND VERSATILITY. Whether you are looking for an income-producing short-term rental, a secondary getaway, or a turnkey primary residence, this home warmly welcomes VA, FHA, Conventional, and Cash buyers alike.

MLS #:
791523
Lot Size
4,792 SQFT
Type
Single-Family Home
Year Built
2021
Style
Craftsman
County
Bay County
Community
Emerald Cove Villas

Listed By

Danielle Kemp, Century 21 Ryan Realty
Natalie Ryan, Century 21 Ryan Realty
Source
CENTRAL PANHANDLE
Last checked Oct 16 2026 at 1:40 PM GMT+0000
Bathroom Details
  • Full Bathrooms: 3
  • Half Bathroom: 1
Interior Features
  • Electric Range
  • Electric Water Heater
  • Interior Steps
  • Main Level Primary
  • Walk-In Closet(s)
  • Double Vanity
Subdivision
  • Emerald Cove Villas
Lot Information
  • Cul-De-Sac
  • Paved
  • Sprinkler System
Heating and Cooling
  • Electric
  • Central
  • Ceiling Fan(s)
  • Central Air
Homeowners Association Information
  • Dues: $620/Annually
Flooring
  • Vinyl
  • Plank
Exterior Features
  • Roof: Shingle
Utility Information
  • Utilities: Electricity Available, Underground Utilities, Cable Connected
  • Sewer: Public Sewer
School Information
  • Elementary School: Walsingham Academy
  • Middle School: Breakfast Point
  • High School: Arnold
Parking
  • Garage
  • Garage Door Opener
Stories
  • 2

Listing Price History

Date
Event
Price
% Change
$ (+/-)
Oct 14, 2026
Price Changed
$445,000
-1%
-$4,900
Aug 21, 2026
Price Changed
$449,900
-1%
-$5,100
Jul 24, 2026
Price Changed
$455,000
-2%
-$10,000
Jun 18, 2026
Listed
$465,000
-
-
Location
   
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Estimated Monthly Mortgage Payment

*Based on Fixed Interest Rate withe a 30 year term, principal and interest only

Listing price
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Mortgage calculator estimates are provided by C21 Ryan Realty and are intended for information use only. Your payments may be higher or lower and all loans are subject to credit approval.
Disclaimer: Copyright 2026 Central Panhandle MLS. All rights reserved. This information is deemed reliable, but not guaranteed. The information being provided is 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. Data last updated 10/16/26 06:40