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For sale
    • Price cut: $5K (5/31)
    $249,000

    316 Cherry St APT 36, Panama City, FL 32401

    2beds
    860sqft
    : 
    $1,650/mo
    Get pre-qualified
    Condominium
    Built in 1982
    -- sqft lot
    $233,400 Zestimate®
    $290/sqft
    $-- HOA

    What's special

    Private dockBeach areaNew ac unitCommunity poolInviting open floor planBeautiful water viewsPeaceful bayfront walks
    Welcome to Bay Club Condos, a hidden gem located on the scenic shores of historic St. Andrews Bay. This very well-maintained 2-bedroom, 2-bath corner unit offers a rare combination of comfort, convenience, and coastal charm. Inside, you'll find new luxury vinyl plank flooring throughout, a new AC unit, and recent upgrades including a new disposal, hot water heater, washer, and dryer ensuring truly trouble-free ownership. The inviting open floor plan is perfect for relaxing or entertaining while enjoying the natural light that floods this bright and airy corner unit. Located in the highly sought-after Bunkers Cove area, Bay Club Condos offers the best of the relaxed coastal lifestyle all just minutes from shopping, local coffee shops, dining, entertainment, and recreation. Enjoy peaceful bayfront walks, take in beautiful water views, or unwind by the community pool, beach area, or private dock. If you've been dreaming of low-maintenance waterfront living in a quiet, picturesque community, look no further this is the one.
    280 days
    |
    624
    |
    22
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Rusty H Russell 850-630-2946,

    Anchor Realty Florida

    Source: CPAR,MLS#: 780840MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Bedroom, Kitchen, Living Room, Primary Bedroom, Other
      Primary bedroom
      • Level: First
      • Dimensions: 15 x 11
      Bedroom
      • Level: First
      • Dimensions: 12 x 10
      Kitchen
      • Level: First
      • Dimensions: 9 x 7
      Living room
      • Description: Includes dining area.
      • Level: First
      • Dimensions: 24 x 11
      Other
      • Features: Balcony
      • Level: First
      • Dimensions: 10 x 5
      Heating
      • Central, Electric
      Cooling
      • Central Air, Ceiling Fan(s)
      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
      • Levels: Three Or More
      • Stories: 3
      • 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: 25679117000
      • Zoning description: Resid Multi-Family
      • 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: $290/sqft
      • Tax assessed value: $194,650
      • Annual tax amount: $516
      • Date on market: 10/25/2025
      • Cumulative days on market: 269 days
      • Electric utility on property: Yes

        Estimated market value

        $233,400

        $222,000 - $245,000

        $1,640/mo

        Price history

        DateEventPrice
        5/31/2026Price change$249,000-2%$290/sqft
        Source: CPAR #780840 Report a problem
        10/25/2025Listed for sale$254,000$295/sqft
        Source: CPAR #780840 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$516 -27.3%$59,535 +3%
        2023$710 +6.3%$57,801 +3%
        2022$668 $56,117
        2021-- --
        2020$243 +703.4%$19,878 -27.4%
        2019$30 $27,370 -49.8%
        2018$30 -92.4%$54,483 +2.1%
        2017$398 +2.6%$53,362 +2.1%
        2016$388 -2.8%$52,264 +0.7%
        2015$399 $51,901 +0.8%
        2014$399 $51,489 -6.2%
        2013-- $54,870 +10%
        2012-- $49,880 -1.3%
        2011-- $50,534 +1.5%
        2010-- $49,787 +2.7%
        2009-- $48,478 +0.1%
        2008-- $48,431 +3%
        2007-- $47,020 +2.5%
        2006-- $45,873 +3%
        2005-- $44,537 +3%
        2004-- $43,240
        2003-- $43,240
        2002-- $43,240
        2001-- $43,240 +2.5%
        2000-- $42,200
        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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