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For sale
  • Price cut: $10K (5/6)
    $465,000

    109 Blue Sage Rd, Panama City Beach, FL 32413

    3beds
    1,924sqft
    : 
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    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
    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.
    130 days
    |
    376
    |
    28
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    Zillow last checked:

    Listing updated:

    Listed by:

    Craig Duran 850-290-0417,

    Berkshire Hathaway HomeServices Beach Properties of Florida

    Source: CPAR,MLS#: 785506MLS LogoOriginating 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

        DateEventPrice
        5/6/2026Price change$465,000-2.1%$242/sqft
        Source: CPAR #785506 Report a problem
        4/22/2026Price change$475,000-2.1%$247/sqft
        Source: CPAR #785506 Report a problem
        3/30/2026Price change$485,000-2%$252/sqft
        Source: CPAR #785506 Report a problem
        2/19/2026Listed for sale$495,000+0.2%$257/sqft
        Source: CPAR #785506 Report a problem
        5/23/2025Listing removed$494,000$257/sqft
        Source: ECAOR #964005 Report a problem
        4/15/2025Price change$494,000-0.2%$257/sqft
        Source: ECAOR #964005 Report a problem
        2/14/2025Price change$494,999-0.8%$257/sqft
        Source: ECAOR #964005 Report a problem
        11/26/2024Listed for sale$499,000-5.7%$259/sqft
        Source: CPAR #765530 Report a problem
        8/13/2024Listing removed--
        Source: Owner Report a problem
        7/26/2024Listed for sale$529,000+0.2%$275/sqft
        Source: Owner Report a problem
        7/16/2024Listing removed--
        Source: Owner Report a problem
        4/2/2024Listed for sale$528,000+92%$274/sqft
        Source: Owner Report a problem
        1/5/2022Listing removed--
        Source: Zillow Rental Manager Report a problem
        12/30/2021Listed for rent$2,300+9.5%$1/sqft
        Source: Zillow Rental Manager Report a problem
        1/11/2021Listing removed--
        Source: Zillow Rental Manager Report a problem
        1/8/2021Listed for rent$2,100$1/sqft
        Source: Zillow Rental Manager Report a problem
        11/30/2020Listing removed$2,100$1/sqft
        Source: Owner Report a problem
        11/6/2020Price change$2,100-8.7%$1/sqft
        Source: Owner Report a problem
        9/18/2020Listed for rent$2,300+15%$1/sqft
        Source: Owner Report a problem
        9/28/2018Listing removed$2,000$1/sqft
        Source: Owner Report a problem
        9/18/2018Listed for rent$2,000$1/sqft
        Source: Owner Report a problem
        9/11/2015Sold$275,000+3.3%$143/sqft
        Source: CPAR #634703 Report a problem
        9/16/2014Sold$266,110$138/sqft
        Source: CPAR #621111 Report a problem

        Public tax history

        YearProperty taxesTax 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

        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

        Getting around

        16 / 100
        Car-Dependent
        57 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        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.

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