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For sale
    • Price cut: $30K (5/19)
    $495,000

    232 Middleburg Dr, Panama City Beach, FL 32413

    3beds
    1,990sqft
    : 
    $3,193/mo
    Get pre-qualified
    Single Family Residence
    Built in 2006
    8,712 Square Feet Lot
    $476,900 Zestimate®
    $249/sqft
    $83/mo HOA

    What's special

    Fresh interior paintOpen living spaceVaulted ceilingsPlenty of natural lightFunctional split floor planScreened-in patioWalk-in closet
    Palmetto Trace w/ community pool! Located in the highly sought-after Palmetto Trace community, this 3-bedroom, 2-bath home puts you right in the center of Panama City Beach--just minutes from Pier Park, Frank Brown Park, and the beach. Inside, you'll find a functional split floor plan with an open living space, vaulted ceilings, and plenty of natural light. The kitchen flows easily into the main living and dining areas, making it practical for everyday living and easy to entertain when needed. Fresh interior paint gives the home a clean, updated feel. The primary suite is set apart from the secondary bedrooms and offers good space, a walk-in closet, and a private bath with double vanities. On the opposite side of the home, two additional bedrooms and a full bath provide flexibility for guests, family, or a home office. Out back, enjoy a screened-in patio that gives you that indoor-outdoor living buyers want, along with a fenced yard that's easy to maintain. With a roof replaced in 2023 and access to two community pools, this home checks the boxes for both comfort and peace of mind. Palmetto Trace is golf cart-friendly, with sidewalks throughout, making it easy to get around and enjoy everything nearby. You're just minutes from Pier Park, with quick access to shopping, dining, nightlife, and entertainment, including local favorites, beach access, and Topgolf. If you're looking for location, convenience, and a solid home in a strong price range, this one is worth a look. Schedule your showing today.
    116 days
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    179
    |
    4
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Team Don and Bubba 850-624-8433,

    EXP Realty LLC

    Source: CPAR,MLS#: 788660MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Bedroom, Dining Room, Great Room, Kitchen, Primary Bedroom
      Primary bedroom
      • Level: First
      • Dimensions: 17 x 16
      Bedroom
      • Level: First
      • Dimensions: 11 x 11
      Bedroom
      • Level: First
      • Dimensions: 11 x 10
      Dining room
      • Level: First
      • Dimensions: 10 x 9
      Great room
      • Level: First
      • Dimensions: 27 x 24
      Kitchen
      • Level: First
      • Dimensions: 18 x 16
      Heating
      • Central, Electric
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Electric Range, Electric Water Heater
      Features
      • Double Vanity, Main Level Primary, Walk-In Closet(s)
      Interior area
      • Total structure area: 1,990
      • Total interior livable area: 1,990 sqft

      Property

      Features
      • Patio & porch: Enclosed, Patio, Porch, Screened
      • Exterior features: Patio, Porch
      • Pool features: In Ground, Community
      • Fencing: Fenced
      Lot
      • Size: 8,712 Square Feet
      • Dimensions: 65 x 130
      • Features: Paved
      Details
      • Parcel number: 32738980233
      • Zoning description: Resid Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Contemporary
      • Property subtype: Single Family Residence
      Materials
      • Stucco
      • Roof: Composition,Shingle
      Condition
      • New construction: No
      • Year built: 2006

      Utilities & green energy

      • Sewer: Public Sewer
      • Utilities for property: Underground Utilities

      Community & HOA

      Community
      • Features: Pool, Community Pool
      • Subdivision: Palmetto Trace Phase IV
      HOA
      • Has HOA: Yes
      • Services included: Association Management, Maintenance Grounds, Pool(s), Trash
      • HOA fee: $249 quarterly
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $249/sqft
      • Tax assessed value: $389,058
      • Annual tax amount: $4,852
      • Date on market: 4/21/2026
      • Cumulative days on market: 117 days

        Estimated market value

        $476,900

        $453,000 - $501,000

        $2,996/mo

        Price history

        DateEventPrice
        5/19/2026Price change$495,000-5.7%$249/sqft
        Source: eXp Realty #1001145 Report a problem
        4/21/2026Listed for sale$525,000-4.4%$264/sqft
        Source: CPAR #788660 Report a problem
        4/18/2026Listing removed$3,000$2/sqft
        Source: Zillow Rentals Report a problem
        3/24/2026Listed for rent$3,000$2/sqft
        Source: Zillow Rentals Report a problem
        3/6/2025Listing removed$3,000$2/sqft
        Source: Zillow Rentals Report a problem
        2/10/2025Price change$3,000-6.3%$2/sqft
        Source: Zillow Rentals Report a problem
        1/28/2025Listed for rent$3,200$2/sqft
        Source: Zillow Rentals Report a problem
        1/10/2025Listing removed$3,200$2/sqft
        Source: Zillow Rentals Report a problem
        12/9/2024Listed for rent$3,200+10.3%$2/sqft
        Source: Zillow Rentals Report a problem
        12/7/2023Listing removed--
        Source: CPAR #739606 Report a problem
        8/15/2023Price change$549,000-1.8%$276/sqft
        Source: CPAR #739606 Report a problem
        4/3/2023Listed for sale$559,000+45.2%$281/sqft
        Source: CPAR #739606 Report a problem
        3/24/2021Listing removed--
        Source: Owner Report a problem
        1/29/2020Listing removed$385,000$193/sqft
        Source: Owner Report a problem
        1/18/2020Listing removed$2,900$1/sqft
        Source: Owner Report a problem
        1/17/2020Listed for sale$385,000+21.1%$193/sqft
        Source: Owner Report a problem
        12/16/2019Listed for rent$2,900+3.6%$1/sqft
        Source: Owner Report a problem
        6/15/2019Listing removed$2,800$1/sqft
        Source: Owner Report a problem
        6/7/2019Price change$2,800-6.7%$1/sqft
        Source: Owner Report a problem
        5/30/2019Sold$318,000-10.4%$160/sqft
        Source: Public Record Report a problem
        5/12/2019Listed for rent$3,000$2/sqft
        Source: Owner Report a problem
        3/9/2019Price change$354,900-1.4%$178/sqft
        Source: BEACH GROUP PROPERTIES, LLC #679888 Report a problem
        2/4/2019Listed for sale$359,900+22.8%$181/sqft
        Source: BEACH GROUP PROPERTIES, LLC #679888 Report a problem
        8/27/2018Sold$293,000+12.7%$147/sqft
        Source: Public Record Report a problem
        1/15/2015Sold$260,000+14.5%$131/sqft
        Source: CPAR #626604 Report a problem
        9/6/2011Sold$227,000-18.5%$114/sqft
        Source: Public Record Report a problem
        5/12/2008Sold$278,400-9.9%$140/sqft
        Source: Public Record Report a problem
        3/20/2006Sold$309,100$155/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$4,777 +5%$387,850 +10%
        2023$4,552 +17.3%$352,591 +10%
        2022$3,880 $320,537
        2021-- --
        2020$3,301 +24.5%$279,696 +9.7%
        2019$2,652 $254,870 +13.1%
        2018$2,652 +12.2%$225,382 +2.1%
        2017$2,364 +10.9%$220,746 -0.9%
        2016$2,132 +2.5%$222,719 +6.1%
        2015$2,080 $209,843 +0.8%
        2014$2,080 $208,178 -0.3%
        2013-- $208,717
        2012-- $208,717 +7.8%
        2011-- $193,537 -7.9%
        2010-- $210,212 -7%
        2009-- $226,075 -7%
        2008-- $243,158 -8.3%
        2007-- $265,159
        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.
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        Climate risks

        Neighborhood: 32413

        Getting around

        34 / 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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