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For sale
  • $1,199,000

    13649 Banana Wind Way #31, Panama City Beach, FL 32413

    5beds
    2,128sqft
    : 
    $8,051/mo
    Get pre-qualified
    Single Family Residence
    Built in 2023
    2,613 Square Feet Lot
    $1,160,500 Zestimate®
    $563/sqft
    $742/mo HOA

    What's special

    Bright coastal-chic retreatAbundant natural lightWhite quartz countertopsOpen-concept floor planChef-inspired kitchenLuxury vinyl plank flooringWell-placed powder room
    🌴Luxury 5-Bedroom Poolside Cottage at Margaritaville Beach Cottage Resort - Panama City Beach🌴 Your Gateway to Paradise! ROI is up 74% over last year, YTD and growing! Experience the ultimate coastal lifestyle at Margaritaville Beach Cottage Resort #31, Panama City Beach's only full-service beachfront resort. This exceptional 5-bedroom, 4.5-bath Caribbean-inspired cottage offers a rare blend of luxury living, resort-style amenities, and outstanding vacation-rental potential. Offering approximately 2,100+ square feet of heated and cooled living space, plus covered outdoor living areas, this thoughtfully designed home is ideal for personal use, second-home ownership, or potential high-performing short-term rentals. With direct access to the resort-style pool and just steps from the private beach, this property delivers an elevated guest experience even during peak seasons. 🏡The Home Step inside to a bright, coastal-chic retreat where modern beach elegance meets comfort and functionality. The open-concept floor plan is designed for entertaining and effortless living, highlighted by luxury vinyl plank flooring, 10-foot ceilings on the main level, and abundant natural light. The chef-inspired kitchen features white quartz countertops, a large island with seating for four, stainless steel gas appliances including a 36-inch range, and an adjacent dining area with seating for eight--perfect for hosting family and guests. The first-floor primary suite offers privacy and convenience with an ensuite bath featuring dual vanities and a walk-in shower, while a well-placed powder room serves the main living area. Upstairs, the home includes two additional ensuite bedrooms, two guest bedrooms connected by a Jack-and-Jill bath, and a discreetly tucked-away laundry area with built-in storage. Enjoy outdoor living on the furnished patio, ideal for relaxing after a day at the beach or pool. 🌊Resort Lifestyle & Amenities Margaritaville Beach Cottage Resort is a fully built-out, full-service beachfront community offering an impressive lineup of amenities: 580 feet of private beachfront with chair & umbrella service 2.5-acre heated oasis pool 425-foot lazy river and waterslides Poolside food & beverage service Paddleboard and kayak rentals Game lawn and beachfront activities On-site professional rental management team Daily resort services The resort's multi-level entertainment center is now open and beautifully completed, featuring a full-service restaurant, fully equipped fitness center, arcade, conference and event spaces, creating an exceptional environment for vacation rentals, corporate retreats, family reunions, and group gatherings. 📍Prime Panama City Beach Location Located just 2 miles from Pier Park, owners and guests enjoy easy access to championship golf, premier dining, shopping, entertainment, fishing, boating, and the iconic emerald waters of the Gulf of America. Located 15.7 miles from Northwest Florida Beaches International Airport. ⭐Investment & Lifestyle Opportunity Backed by a globally recognized coastal luxury lifestyle brand and supported by on-site professional rental management, this property represents a rare opportunity to own a luxury poolside cottage in one of Panama City Beach's most desirable resort communities. Live the dream. Share the dream. Welcome to Margaritaville Beach Cottage Resort #31.
    222 days
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    127
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    9
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    Zillow last checked:

    Listing updated:

    Listed by:

    Melissa Harris 770-354-6442,

    MJH Real Estate Brokerage, LLC

    Source: CPAR,MLS#: 783789MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 5
      • Full bathrooms: 4
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bedroom, Great Room, Kitchen, Primary Bedroom
      Primary bedroom
      • Level: Second
      • Dimensions: 15.1 x 13.2
      Bedroom
      • Level: First
      • Dimensions: 15.1 x 13.2
      Bedroom
      • Level: Second
      • Dimensions: 10.5 x 10.1
      Bedroom
      • Level: Second
      • Dimensions: 10.3 x 13.8
      Bedroom
      • Level: Second
      • Dimensions: 10.3 x 13.8
      Great room
      • Level: First
      • Dimensions: 15.9 x 21.1
      Kitchen
      • Level: First
      • Dimensions: 12.5 x 13.6
      Heating
      • Central, ENERGY STAR Qualified Equipment
      Cooling
      • Central Air, ENERGY STAR Qualified Equipment
      Appliances
      • Included: ENERGY STAR Qualified Appliances, Electric Oven, Gas Cooktop, Ice Maker
      Features
      • Balcony, Double Vanity, Interior Steps, Separate Shower, Upper Level Primary
      • Windows: Double Pane Windows
      Interior area
      • Total structure area: 2,128
      • Total interior livable area: 2,128 sqft

      Property

      Parking
      • Parking features: Additional Parking, Paved
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Patio
      • Exterior features: Patio
      • Pool features: Electric Heat, In Ground, Community
      • On waterfront: Yes
      • Waterfront features: Shoreline - Sand
      Lot
      • Size: 2,613 Square Feet
      • Dimensions: 32 x 76
      • Features: Sprinkler System, Paved
      Details
      • Parcel number: 34764200310
      • Zoning description: Resort
      • Special conditions: Listed As-Is

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • HardiPlank Type
      • Roof: Metal
      Condition
      • New construction: No
      • Year built: 2023

      Utilities & green energy

      • Sewer: Public Sewer
      • Utilities for property: Cable Connected
      Green energy
      • Energy efficient items: Appliances

      Community & HOA

      Community
      • Features: Beach, Clubhouse, Conference/Meeting Room, Fitness Center, Game Room, Pool, Shopping, Waterfront, Community Pool, Short Term Rental Allowed
      • Security: Carbon Monoxide Detector(s), 24 Hour Security, Security Service
      • Subdivision: Margaritaville Cottages
      HOA
      • Has HOA: Yes
      • Amenities included: Beach Rights, Game Room
      • Services included: Association Management, Clubhouse, Cable TV, Fitness Facility, Internet, Legal/Accounting, Maintenance Grounds, Pool(s), Recreation Facilities, Security, Trash, Water
      • HOA fee: $2,225 quarterly
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $563/sqft
      • Annual tax amount: $12,447
      • Date on market: 1/16/2026
      • Cumulative days on market: 199 days

        Estimated market value

        $1,160,500

        $1.10M - $1.22M

        $4,883/mo

        Price history

        DateEventPrice
        5/25/2026Price change$1,199,000-1.6%$563/sqft
        Source: CPAR #783789 Report a problem
        3/27/2026Price change$1,219,000-0.8%$573/sqft
        Source: CPAR #783789 Report a problem
        3/14/2026Price change$1,229,000-0.8%$578/sqft
        Source: CPAR #783789 Report a problem
        1/16/2026Listed for sale$1,239,120$582/sqft
        Source: CPAR #783789 Report a problem

        Public tax history

        Tax history is unavailable.

        Monthly payment

        Est. payment

        Payment breakdown

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        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.
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        Climate risks

        Neighborhood: 32413

        Getting around

        36 / 100
        Car-Dependent
        56 / 100
        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.

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