CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Best deal and location in St. Andrews! Discover the perfect blend of style, location, and income potential in the heart of St. Andrews. This beautifully appointed 2-bedroom, 2.5 bath home is just a short walk to the area's hottest restaurants, boutique shopping, waterfront parks, and postcard-worthy sunsets over the bay.
Inside, enjoy a bright and inviting layout with fresh finishes and brand-new stainless steel appliances. The home is being offered with an optional furnishings package, creating a seamless, turnkey setup for living or hosting guests.
Step outside to your private, fenced backyard featuring low-maintenance landscaping, a charming pergola, and covered patio - perfect for entertaining.
With no HOA fees and short-term/vacation rentals allowed, this property shines as top choice for investment. Major updates offer peace of mind, including a brand-new HVAC system, 2018 Water Heater and a transferable termite bond.
Whether you're looking to maximize rental income or enjoy the vibrant lifestyle St. Andrews is known for, this townhome delivers unmatched opportunity in the best location in town. Live, invest, and relax - right where everyone wants to be.
Sold for $249,000
$249,000
2704 W 12th St #A, Panama City, FL 32401
2beds
1,236sqft
Townhouse
Built in 2004
2,178 Square Feet Lot
$248,900 Zestimate®
$201/sqft
$1,755 Estimated rent
Home value
$248,900
$236,000 - $261,000
$1,755/mo
Zestimate® history
Owner options
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$1,717/mo
Est. payment
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$1,717/mo
Est. payment
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List your homeWhat's special
Fresh finishesBright and inviting layoutPrivate fenced backyardLow-maintenance landscapingBrand-new stainless steel appliancesCharming pergola
Zillow last checked:
Listing updated:
Listed by:
Natalie A Ryan 850-960-1731,
CENTURY 21 Ryan Realty Inc
Bought with:
Denise E Vickers, SL3631837
Keller Williams Success Realty
Source: CPAR,MLS#: 789581
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Rooms
- Room types: Bedroom, Dining Room, Living Room, Primary Bedroom, Porch
Primary bedroom
- Description: Measurements approximate, verify if important
- Level: Second
- Dimensions: 18 x 12
Bedroom
- Description: Measurements approximate, verify if important
- Level: Second
- Dimensions: 14 x 11
Dining room
- Description: Measurements approximate, verify if important
- Level: First
- Dimensions: 13 x 8
Living room
- Description: Measurements approximate, verify if important
- Level: First
- Dimensions: 17 x 12
Porch
- Description: Measurements approximate, verify if important
- Level: First
- Dimensions: 10 x 6
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Features
- Tub Shower, Upper Level Primary, Walk-In Closet(s)
Interior area
- Total structure area: 1,236
- Total interior livable area: 1,236 sqft
Property
Parking
- Parking features: Paved
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Patio
- Exterior features: Patio
- Fencing: Fenced,Privacy
Lot
- Size: 2,178 Square Feet
- Dimensions: 22 x 99
Details
- Additional structures: Pergola
- Parcel number: 29795003000
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: Townhouse
- Property subtype: Townhouse
- Attached to another structure: Yes
Materials
- Vinyl Siding
- Foundation: Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 2004
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Electricity Available
Community & HOA
Community
- Features: Short Term Rental Allowed
- Security: Smoke Detector(s)
- Subdivision: No Named Subdivision
HOA
- Has HOA: No
Location
- Region: Panama City
Financial & listing details
- Price per square foot: $201/sqft
- Tax assessed value: $130,835
- Annual tax amount: $2,054
- Date on market: 5/15/2026
- Cumulative days on market: 15 days
- Electric utility on property: Yes
Price history
| Date | Event | Price |
|---|---|---|
| 6/22/2026 | Sold | $249,000-0.4%$201/sqft |
Source:  CPAR #789581 Report a problem | ||
| 5/23/2026 | Pending sale | $250,000$202/sqft |
Source: CPAR #789581 Report a problem | ||
| 5/15/2026 | Listed for sale | $250,000-19.3%$202/sqft |
Source: CPAR #789581 Report a problem | ||
| 9/9/2024 | Listing removed | $309,9000%$251/sqft |
Source: CPAR #754775 Report a problem | ||
| 3/25/2024 | Listed for sale | $310,000+3.7%$251/sqft |
Source: CPAR #754775 Report a problem | ||
| 3/7/2024 | Listing removed | -- |
Source: CPAR #751057 Report a problem | ||
| 2/16/2024 | Contingent | $299,000$242/sqft |
Source: CPAR #751057 Report a problem | ||
| 2/3/2024 | Listed for sale | $299,000$242/sqft |
Source: CPAR #751057 Report a problem | ||
| 1/20/2024 | Listing removed | -- |
Source: CPAR #751057 Report a problem | ||
| 1/7/2024 | Listed for sale | $299,000+15%$242/sqft |
Source: CPAR #751057 Report a problem | ||
| 8/20/2018 | Listing removed | $1,400$1/sqft |
Source: Zillow Rental Network Report a problem | ||
| 8/13/2018 | Listed for rent | $1,400$1/sqft |
Source: Zillow Rental Network Report a problem | ||
| 1/4/2018 | Sold | $260,000-7.1%$210/sqft |
Source: Public Record Report a problem | ||
| 12/6/2017 | Price change | $280,000+100%$227/sqft |
Source: World Impact Real Estate #787442 Report a problem | ||
| 12/1/2017 | Listed for sale | $140,000$113/sqft |
Source: World Impact Real Estate #787442 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,906 +4.8% | $87,109 +10% |
| 2023 | $1,819 +18.1% | $79,190 +10% |
| 2022 | $1,541 | $71,991 |
| 2021 | -- | -- |
| 2020 | $1,217 +24.3% | $59,496 -1.7% |
| 2019 | $979 | $60,551 -18.2% |
| 2018 | $979 -12.7% | $74,005 -0.9% |
| 2017 | $1,121 +0.1% | $74,701 -1.6% |
| 2016 | $1,120 -8% | $75,913 -1.6% |
| 2015 | $1,216 | $77,126 -0.5% |
| 2014 | $1,216 | $77,495 -1.8% |
| 2013 | -- | $78,899 -14.1% |
| 2012 | -- | $91,812 -5.4% |
| 2011 | -- | $97,057 -3.8% |
| 2010 | -- | $100,913 -3.3% |
| 2009 | -- | $104,361 -4.8% |
| 2008 | -- | $109,571 +10% |
| 2007 | -- | $99,653 +2.4% |
| 2006 | -- | $97,307 +0.8% |
| 2005 | -- | $96,503 |
Find assessor info on the county website
Neighborhood: 32401
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Nearby schools
GreatSchools rating
- 4/10Lucille Moore Elementary SchoolGrades: PK-5Distance: 1 mi
- 2/10Jinks Middle SchoolGrades: 6-8Distance: 1.8 mi
- 4/10Bay High SchoolGrades: 9-12Distance: 2.3 mi
Schools provided by the listing agent
- Elementary: Lucille Moore
- Middle: Jinks
- High: Bay
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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- Florida
- Bay County
- Panama City
- 32401
- 2704 W 12th St Unit A
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