Skip main navigation
Pending
  • Price cut: $5.1K (7/25)
    $469,900

    109 Moonraker Cir, Panama City Beach, FL 32407

    4beds
    1,835sqft
    : 
    $3,089/mo
    Get pre-qualified
    Single Family Residence
    Built in 2020
    5,227 Square Feet Lot
    $467,700 Zestimate®
    $256/sqft
    $133/mo HOA

    What's special

    Granite countertopsElegant tray ceilingsGourmet kitchenSoaking tubCustom stone paver walkwayWindow coveringsStainless steel appliances
    Welcome to Moonraker, one of Panama City Beach's most desirable communities including an HOA with a clubhouse and pool. This home is the Rhett plan and is loaded with high end premium upgrades. It is a 4-bedroom, 2-bath home offers 1,768 sq. ft. of stylish single-level living just minutes from the beach, M.B. Miller Pier, Shipwreck Island, dining, shopping, and entertainment. This home is situated on a neighborhood pond lot with views of a fountain and only a 2 block walk to the Gulf of America. Amazing price: The house has a 3 percent assumable VA loan! The house has over $35,000 of luxury upgrades to original home. This beach house features 9' ceilings, elegant tray ceilings, window coverings, and luxury LVP flooring in every room. The gourmet kitchen showcases granite countertops, stainless steel appliances, white cabinetry, a laundry room with a pantry, and extensive landscaping for an entertainers paradise. The private primary suite offers a tray ceiling, double vanities, soaking tub, and separate walk-in shower. This house has a mother-in-law suite where there is a private kitchen and bedroom sectioned off in its own space in the home. The house has a third driveway for that suite. High End Upgrades Include: • Luxury LVP flooring throughout the house in every room • Two kitchens in the house with main kitchen and a Mother-in-law kitchenette suite • Two laundry rooms • Upgraded lighting fixtures and door hardware • Ceiling fans in every bedroom • Professionally landscaped yard • Sidewalk surrounding the home for added convenience • Custom stone paver walkway • Tray ceilings and premium finishes throughout * Three car driveway This beach coastal home has all the modern luxury upgrades at an amazing price with a price you can't beat - Offering an assumable 3 percent VA rate loan! Save thousands and live close to the beach in this home with all the upgrades!
    29 days
    |
    430
    |
    10
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Cliff Glansen 954-965-3990,

    FLATFEE.COM

    Source: CPAR,MLS#: 793118MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Bedroom, Family Room, Kitchen
      Bedroom
      • Level: First
      • Dimensions: 14 x 12
      Bedroom
      • Level: First
      • Dimensions: 13 x 12
      Bedroom
      • Level: First
      • Dimensions: 11 x 10
      Bedroom
      • Level: First
      • Dimensions: 10 x 12
      Family room
      • Level: First
      • Dimensions: 16 x 15
      Kitchen
      • Level: First
      • Dimensions: 18 x 10
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Electric Range, Electric Water Heater
      Interior area
      • Total structure area: 1,835
      • Total interior livable area: 1,835 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage
      • Garage spaces: 2
      Features
      • Patio & porch: Covered, Patio
      • Pool features: Community
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Lake, Lake Front
      Lot
      • Size: 5,227 Square Feet
      • Dimensions: 55 x 100
      • Features: Paved
      Details
      • Parcel number: 34039850560
      • Zoning description: Resid Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Craftsman
      • Property subtype: Single Family Residence
      Materials
      • HardiPlank Type, Vinyl Siding
      • Roof: Composition,Shingle
      Condition
      • New construction: No
      • Year built: 2020

      Utilities & green energy

      • Sewer: Public Sewer
      • Utilities for property: Cable Connected

      Community & HOA

      Community
      • Features: Barbecue, Pool
      • Subdivision: Moonraker
      HOA
      • Has HOA: Yes
      • Services included: Pool(s), Trash
      • HOA fee: $1,600 annually
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $256/sqft
      • Tax assessed value: $445,893
      • Annual tax amount: $5,064
      • Date on market: 7/25/2026

        Estimated market value

        $467,700

        $444,000 - $491,000

        $2,917/mo

        Price history

        DateEventPrice
        7/27/2026Pending sale$469,900$256/sqft
        Source: CPAR #793118 Report a problem
        7/25/2026Price change$469,900-1.1%$256/sqft
        Source: CPAR #793118 Report a problem
        6/7/2026Listed for sale$475,000+37.7%$259/sqft
        Source: Owner Report a problem
        2/28/2020Sold$344,900$188/sqft
        Source: CPAR #694063 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$5,064 +6.1%$365,067 +10%
        2023$4,774 +36%$331,879 +10%
        2022$3,510 $301,708
        2021-- --
        2020$776 +5.2%$59,859 +6.9%
        2019$738 $56,000 +119.3%
        2018$738 $25,535
        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.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 32407

        Getting around

        42 / 100
        Car-Dependent
        40 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Hutchison Beach
        • 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.

        Browse local experts

        Similar homes