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For sale
    • Price cut: $12K (5/22)
    $225,000

    316 Cherry St APT 33, Panama City, FL 32401

    2beds
    860sqft
    : 
    $1,490/mo
    Get pre-qualified
    Condominium
    Built in 1982
    -- sqft lot
    $216,200 Zestimate®
    $262/sqft
    $-- HOA

    What's special

    Waterfront condoBright and invitingIncredible sunset viewsPeaceful setting
    Seller offers $5,000 in FLEX $$$! WATERFRONT LIVING IN ST. ANDREWS | BAY CLUB CONDO. Welcome to Bay Club at St. Andrews, where life moves a little slower and the views never get old. This 2-bedroom, 2-bath waterfront condo offers about 860 square feet of easy, low-maintenance living right along beautiful St. Andrews Bay. Step inside to a comfortable, open living and dining space that feels bright and inviting, perfect for unwinding after a long day or hosting friends and family. Whether you're enjoying your morning coffee or relaxing in the evening, you'll love being just steps from the water. Bay Club is known for its peaceful setting, shaded by mature oak trees and surrounded by coastal charm. Residents enjoy a bayfront community with a pool and outdoor areas ideal for soaking up the Florida sunshine, fishing, or simply taking in those incredible sunset views. Located in the heart of St. Andrews, you're only minutes from downtown Panama City, local restaurants, shops, and waterfront parks. It's a great spot whether you're looking for a full-time home or a weekend getaway. If you've been searching for an affordable waterfront condo in Panama City with charm, location, and lifestyle, this is one you don't want to miss. Schedule your showing today!
    126 days
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    514
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    19
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    Zillow last checked:

    Listing updated:

    Listed by:

    Ekaterina I Tomlinson 850-238-6225,

    Top Producers Real Estate Group

    Source: CPAR,MLS#: 787549MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Bedroom, Primary Bedroom
      Primary bedroom
      • Level: First
      • Dimensions: 10 x 14
      Bedroom
      • Level: First
      • Dimensions: 14 x 10
      Heating
      • Central, Electric
      Cooling
      • Central Air
      Appliances
      • Included: Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
      • Laundry: Stacked
      Features
      • Main Level Primary, Tub Shower, Walk-In Closet(s)
      Interior area
      • Total structure area: 860
      • Total interior livable area: 860 sqft

      Property

      Parking
      • Parking features: Additional Parking
      Features
      • Patio & porch: Balcony
      • Exterior features: Dock
      • Pool features: Fenced, Gunite, In Ground, Community
      • Has view: Yes
      • View description: Bay
      • Has water view: Yes
      • Water view: Bay
      • Waterfront features: Bayfront, Shoreline - Sand
      Lot
      • Features: Paved
      Details
      • Parcel number: 25679114000
      • Special conditions: Listed As-Is

      Construction

      Type & style
      • Home type: Condo
      • Architectural style: Low Rise
      • Property subtype: Condominium
      Materials
      • Foundation: Slab
      Condition
      • New construction: No
      • Year built: 1982

      Utilities & green energy

      • Sewer: Public Sewer
      • Utilities for property: Electricity Available

      Community & HOA

      Community
      • Features: Beach, Dock, Elevator, Pool, Waterfront, Community Pool
      • Subdivision: Bay Club Condo Ph 2
      HOA
      • Has HOA: Yes
      • Amenities included: Beach Rights
      Location
      • Region: Panama City

      Financial & listing details

      • Price per square foot: $262/sqft
      • Tax assessed value: $194,650
      • Annual tax amount: $2,166
      • Date on market: 3/28/2026
      • Cumulative days on market: 114 days
      • Electric utility on property: Yes

        Estimated market value

        $216,200

        $205,000 - $227,000

        $1,640/mo

        Price history

        DateEventPrice
        5/29/2026Listing removed$1,595$2/sqft
        Source: CPAR #790273 Report a problem
        5/22/2026Listed for rent$1,595-11.4%$2/sqft
        Source: CPAR #790273 Report a problem
        5/22/2026Price change$225,000-5.1%$262/sqft
        Source: CPAR #787549 Report a problem
        5/8/2026Price change$237,000-0.8%$276/sqft
        Source: CPAR #787549 Report a problem
        3/28/2026Listed for sale$239,000+71.9%$278/sqft
        Source: CPAR #787549 Report a problem
        10/14/2024Listing removed$1,800$2/sqft
        Source: Zillow Rentals Report a problem
        2/18/2024Listing removed--
        Source: Zillow Rentals Report a problem
        1/31/2024Listed for rent$1,800$2/sqft
        Source: Zillow Rentals Report a problem
        1/8/2024Sold$139,000-20.6%$162/sqft
        Source: CPAR #746106 Report a problem
        11/27/2023Pending sale$175,000$203/sqft
        Source: CPAR #746106 Report a problem
        11/22/2023Listed for sale$175,000$203/sqft
        Source: CPAR #746106 Report a problem
        11/14/2023Pending sale$175,000$203/sqft
        Source: CPAR #746106 Report a problem
        11/5/2023Price change$175,000-11.6%$203/sqft
        Source: CPAR #746106 Report a problem
        10/28/2023Price change$198,000-0.5%$230/sqft
        Source: CPAR #746106 Report a problem
        10/26/2023Price change$199,000-0.5%$231/sqft
        Source: CPAR #746106 Report a problem
        10/23/2023Price change$200,000-4.8%$233/sqft
        Source: CPAR #746106 Report a problem
        10/21/2023Price change$210,000-4.5%$244/sqft
        Source: CPAR #746106 Report a problem
        10/13/2023Price change$220,000+0.9%$256/sqft
        Source: CPAR #746106 Report a problem
        10/9/2023Price change$218,000-0.9%$253/sqft
        Source: CPAR #746106 Report a problem
        10/3/2023Price change$220,000-0.9%$256/sqft
        Source: CPAR #746106 Report a problem
        9/26/2023Price change$222,000-1.3%$258/sqft
        Source: CPAR #746106 Report a problem
        9/18/2023Price change$225,000-4.3%$262/sqft
        Source: CPAR #746106 Report a problem
        9/13/2023Price change$235,000-1.7%$273/sqft
        Source: CPAR #746106 Report a problem
        9/9/2023Price change$239,000-1.2%$278/sqft
        Source: CPAR #746106 Report a problem
        9/4/2023Listed for sale$242,000+44%$281/sqft
        Source: CPAR #746106 Report a problem
        6/3/2021Sold$168,000$195/sqft
        Source: CPAR #706324 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$3,141 +0%$172,788 +10%
        2023$3,140 +24.7%$157,080 +10%
        2022$2,517 $142,800
        2021-- --
        2020$243 +533.9%$19,878 -27.4%
        2019$38 $27,370 -49.8%
        2018$38 -90.6%$54,483 +2.1%
        2017$406 +2.5%$53,362 +2.1%
        2016$396 -2.8%$52,264 +0.7%
        2015$407 $51,901 +0.8%
        2014$407 $51,489 +1.5%
        2013-- $50,728 +1.7%
        2012-- $49,880 -6.6%
        2011-- $53,394 +1.5%
        2010-- $52,605 +2.7%
        2009-- $51,222 -21.5%
        2008-- $65,251 -13%
        2007-- $75,001
        2006-- $75,001
        2005-- $75,001 +65.8%
        2004-- $45,240
        2003-- $45,240
        2002-- $45,240
        2001-- $45,240 +2.4%
        2000-- $44,200
        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.
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        Climate risks

        Neighborhood: 32401

        Getting around

        32 / 100
        Car-Dependent
        15 / 100
        Minimal Transit
        33 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Cherry Street
        • 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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