Waterfront
Address
3104 W 16th Street, Panama City, FL
Price
$ 349,000
Property Attributes
- MLS#795646
- TypeSingle Family
- Listing Status Active
- CountyBay
- CityPanama City
- Area02 - Bay County - Central
- NeighborhoodLakeside Plat
- Zip32401
- Style
- Year Built1941
- Taxes$ 5297
- Price$ 349,000
- Bedrooms3
- Full Bathrooms2
- Half Bathrooms0
- Sqr Footage1273
- Lot Size0.14 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property Description
Your own dock on Lake Huntington, a finished and climate-controlled outbuilding, and Historic St. Andrews less than a mile away: this 1941 cottage offers a combination that is hard to find in this part of Panama City. The home sits on the north side of 16th Street, and the sale includes the separate deeded waterfront lot and private dock directly across the street, so the screened front porch looks out toward the lake and your dock. Lake Huntington opens to St. Andrews Bay beneath the 15th Street bridge, and from the bay it is open water through St. Andrews Pass to Shell Island and the Gulf of Mexico (buyer to verify clearance and depth for their vessel). The public launch ramp at St. Andrews Marina is about a mile away. Inside, three bedrooms and two full baths sit on one level, with the arched doorways and hardwood floors of a classic 1940s cottage, tile in the kitchen and dining room, plantation shutters, ceiling fans, and a primary bath with a tiled walk-in shower. The white kitchen opens to the dining room through a wide arch and includes a dishwasher and electric range. The updates here are tasteful rather than flashy, and the sellers went a step further than most by extensively encapsulating the crawl space, which means less moisture under the house and peace of mind for years to come. Behind the house, the detached building is finished, heated, and cooled, so it works as a year-round office, studio, or workshop rather than a hot storage shed. A long paved driveway leaves room for a boat and trailer, the yard is fully fenced, and there is no HOA. The restaurants, bars, marina, and shops along Beck Avenue in Historic St. Andrews are a three-minute drive or a 15-minute walk. Naval Support Activity Panama City is about 10 minutes away, and the Hathaway Bridge to Panama City Beach is under 10 minutes. Metal roof, central heat and air, city water and sewer. Sold as is, and the sellers will entertain owner-financing offers. Two parcels convey together: 29140-000-000 (home) and 29142-020-000 (dock).
| Elementary School | Middle School | High School |
|---|---|---|
| Lucille Moore Elementary School | Jinks Middle School | Bay High School |
| Price History | |
|---|---|
| 9/20/2026 | Listed $349,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Utilities | Electricity Available |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| County | Bay |
| Property Type | Residential |
| HOA | false |
| Subdivision Name | Lakeside Plat |
| Special Listing Conditions | Listed As-Is |
| Status | Active |
| Buyer Financing | Other |
| Directions | From the Hathaway Bridge: Head east on US-98 E (2.5 mi). Turn right onto W 17th St (49 ft). Turn left onto Bayview Ave (404 ft). Turn right onto W 16th St. Destination will be on the right |
| High School | Bay |
| City | Panama City |
| Zoning Description | Resid Single Family |
| MLS Area | 02 - Bay County - Central |
| Lot Size Units | Acres |
| Lot Size Square Feet | 5663 |
| Elementary School | Lucille Moore |
| Tax Annual Amount | 5297.46 |
| Middle/Junior High School | Jinks |
| MLS Area Minor | 0203 - Bay - Central SW |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Other Structures | Shed(s) |
| Occupancy Type | Vacant |
| Waterfront Features | Bayfront,Lake,Lake Front |
| Year Built | 1941 |
| Heating | Central,Electric |
| Cooling | Central Air,Ceiling Fan(s) |
| Appliances | Electric Range,Electric Water Heater |
| Patio/Porch Features | Covered,Porch,Screened |
| View | Bay,Lake |
| Attached Garage | false |
| Garage Y/N | false |
| Total Rooms | 3 |
| Full Baths | 2 |
| Architectural Style | Other |
| New Construction | false |
| Roof | Metal |
Interior Features
| Total Baths | 2 |
|---|---|
| Interior Amenities | Shower Only |
| Furnished Units | None |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 3 |
| LivingAreaSource | Appraiser |
Exterior Features
| Lot Size Area | 0.14 |
|---|---|
| Lot Dimensions | 56.0 ft x 107.0 ft |
| Lot Size Acres | 0.14 |
| Road Frontage Type | City Street |
| Parking Features | No Garage,Paved |
| Building Area Total | 1273 |
| Waterfront Y/N | true |
| Exterior Amenities | Dock,Porch |
| Road Responsibility | Public Maintained Road |
| Fencing | Full,Fenced |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32401
Price
Taxes
Year Built
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The information is 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.
