Experience low-maintenance coastal living in this 3BR/2BA home in Whisper Dunes, located just a half-mile from dedicated beach access. Whisper Dunes remains one of the West End's most desirable primary-residence communities, known for its pet-friendly atmosphere, consistent upkeep, and HOA-covered lawn care that simplifies everyday living.
Designed with both durability and comfort in mind, this home features 2x6 construction, Hardie board siding, 6-inch exterior walls, and a 30-year architectural shingle rated for 130 mph winds -- details that matter in today's insurance and long-term ownership landscape. A 5-star energy rating, high-efficiency Low E2 windows, and a 14-SEER heat pump further enhance efficiency and livability.
Inside, the open floor plan offers large designer tile throughout, 8-foot doors with craftsman-style trim, and abundant natural light from oversized windows. The kitchen is thoughtfully appointed with stainless appliances, granite countertops, under-cabinet lighting, and generous storage -- creating a functional gathering space that connects seamlessly to the main living area.
The primary suite features tray ceilings and an ensuite bath with double vanities and matching granite surfaces. Two additional bedrooms and a full bath provide flexibility for guests, home office needs, or family living.
French doors open to a covered porch with a remote-controlled electric screen, extending your living space outdoors. The fenced backyard offers privacy for pets or entertaining, while the garage includes a newly epoxy-coated floor completed in 2025 for a clean, durable finish.
Residents of Whisper Dunes enjoy a community pool, cabana, landscaped walking paths, and sidewalks throughout the neighborhood -- all just minutes from Pier Park, 30A, Camp Helen State Park, Lake Powell, and the conveniences of Publix, ALDI, and local dining.
For buyers seeking a well-built, low-maintenance home near the beach within a primarily full-time residential setting, this Whisper Dunes property represents a strong opportunity on Panama City Beach's West End.
For sale
Price cut: $10K (5/6)
$465,000
109 Blue Sage Rd, Panama City Beach, FL 32413
3beds
1,924sqft
Single Family Residence
Built in 2014
6,534 Square Feet Lot
$455,500 Zestimate®
$242/sqft
$-- HOA
What's special
Granite countertopsOpen floor planHardie board sidingGenerous storageLarge designer tile throughoutUnder-cabinet lighting
- 130 days |
- 376 |
- 28 |
Zillow last checked:
Listing updated:
Listed by:
Craig Duran 850-290-0417,
Berkshire Hathaway HomeServices Beach Properties of Florida
Source: CPAR,MLS#: 785506
Originating MLS: Central Panhandle Association of REALTORS
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Primary Bedroom
Primary bedroom
- Level: First
- Dimensions: 13.8 x 16
Bedroom
- Level: First
- Dimensions: 12.5 x 10
Bedroom
- Level: First
- Dimensions: 11.8 x 12.6
Heating
- Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Oven, Electric Range, Electric Water Heater
Features
- Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)
Interior area
- Total structure area: 1,924
- Total interior livable area: 1,924 sqft
Property
Parking
- Total spaces: 2
- Parking features: Garage
- Garage spaces: 2
Features
- Patio & porch: Covered, Patio
- Pool features: Community
- Fencing: Fenced
Lot
- Size: 6,534 Square Feet
- Dimensions: 110 x 60
- Features: Sprinkler System
Details
- Parcel number: 35350250050
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subtype: Single Family Residence
Materials
- Foundation: Slab
- Roof: Composition,Shingle
Condition
- New construction: No
- Year built: 2014
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Electricity Available
Community & HOA
Community
- Features: Pool
- Subdivision: Whisper Dunes
HOA
- Has HOA: Yes
- Amenities included: Gazebo
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $242/sqft
- Tax assessed value: $434,539
- Annual tax amount: $5,360
- Date on market: 2/19/2026
- Cumulative days on market: 130 days
- Electric utility on property: Yes
Estimated market value
$455,500
$433,000 - $478,000
$2,632/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/6/2026 | Price change | $465,000-2.1%$242/sqft |
Source: | ||
| 4/22/2026 | Price change | $475,000-2.1%$247/sqft |
Source: | ||
| 3/30/2026 | Price change | $485,000-2%$252/sqft |
Source: | ||
| 2/19/2026 | Listed for sale | $495,000+0.2%$257/sqft |
Source: | ||
| 5/23/2025 | Listing removed | $494,000$257/sqft |
Source: | ||
| 4/15/2025 | Price change | $494,000-0.2%$257/sqft |
Source: | ||
| 2/14/2025 | Price change | $494,999-0.8%$257/sqft |
Source: | ||
| 11/26/2024 | Listed for sale | $499,000-5.7%$259/sqft |
Source: | ||
| 8/13/2024 | Listing removed | -- |
Source: Owner Report a problem | ||
| 7/26/2024 | Listed for sale | $529,000+0.2%$275/sqft |
Source: Owner Report a problem | ||
| 7/16/2024 | Listing removed | -- |
Source: Owner Report a problem | ||
| 4/2/2024 | Listed for sale | $528,000+92%$274/sqft |
Source: Owner Report a problem | ||
| 1/5/2022 | Listing removed | -- |
Source: Zillow Rental Manager Report a problem | ||
| 12/30/2021 | Listed for rent | $2,300+9.5%$1/sqft |
Source: Zillow Rental Manager Report a problem | ||
| 1/11/2021 | Listing removed | -- |
Source: Zillow Rental Manager Report a problem | ||
| 1/8/2021 | Listed for rent | $2,100$1/sqft |
Source: Zillow Rental Manager Report a problem | ||
| 11/30/2020 | Listing removed | $2,100$1/sqft |
Source: Owner Report a problem | ||
| 11/6/2020 | Price change | $2,100-8.7%$1/sqft |
Source: Owner Report a problem | ||
| 9/18/2020 | Listed for rent | $2,300+15%$1/sqft |
Source: Owner Report a problem | ||
| 9/28/2018 | Listing removed | $2,000$1/sqft |
Source: Owner Report a problem | ||
| 9/18/2018 | Listed for rent | $2,000$1/sqft |
Source: Owner Report a problem | ||
| 9/11/2015 | Sold | $275,000+3.3%$143/sqft |
Source: | ||
| 9/16/2014 | Sold | $266,110$138/sqft |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,116 +9.5% | $404,599 +10% |
| 2023 | $4,671 +16.7% | $367,817 +10% |
| 2022 | $4,003 | $334,379 |
| 2021 | -- | -- |
| 2020 | $3,303 +4.9% | $277,500 +6.9% |
| 2019 | $3,149 | $259,513 +10% |
| 2018 | $3,149 +7.8% | $235,921 +0.2% |
| 2017 | $2,921 +7.3% | $235,430 +1.2% |
| 2016 | $2,722 -2.2% | $232,549 +0% |
| 2015 | $2,784 | $232,433 +4643.5% |
| 2014 | $2,784 | $4,900 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 32413
Nearby schools
GreatSchools rating
- 6/10West Bay Elementary SchoolGrades: PK-5Distance: 5.2 mi
- 7/10Surfside Middle SchoolGrades: PK-12Distance: 5.8 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 7.9 mi
Schools provided by the listing agent
- Elementary: West Bay
- Middle: Surfside
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Bay County
- Panama City Beach
- 32413
- 109 Blue Sage Rd
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