Welcome to Bay Club at St. Andrews, a low-density waterfront condominium community known for its peaceful atmosphere, coastal charm, and low turnover directly on St. Andrews Bay.
The bright, inviting interior open living space extends to a private balcony overlooking the bay, beautifully nestled among the palm trees. It is the perfect place to enjoy morning coffee, coastal breezes, and unforgettable sunsets.
Residents enjoy a bayfront pool, elevator, dock, swing, picnic area, garden space, and inviting outdoor areas for fishing or relaxing by the water. Located between The Cove and downtown, Bay Club is just minutes from historic downtown Panama City, St. Andrews, waterfront parks, local dining, and shopping.
Whether you are seeking a full-time residence or peaceful coastal retreat, this waterfront condo offers an exceptional blend of charm, convenience, and lifestyle.
For sale
$240,000
316 Cherry St APT 41, Panama City, FL 32401
2beds
860sqft
:
Get pre-qualified$1,590/mo
Condominium
Built in 1982
-- sqft lot
$230,500 Zestimate®
$279/sqft
$-- HOA
What's special
Bayfront poolGarden spacePicnic area
- 11 days |
- 498 |
- 22 |
Zillow last checked:
Listing updated:
Listed by:
Heather Fox 850-541-5774,
Beachy Beach Real Estate
Source: CPAR,MLS#: 792976
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Kitchen, Living Room, Primary Bedroom
Primary bedroom
- Level: First
- Dimensions: 15 x 11
Bedroom
- Level: First
- Dimensions: 12 x 10
Kitchen
- Level: First
- Dimensions: 9 x 7
Living room
- Level: First
- Dimensions: 24 x 11
Heating
- Central, Electric
Cooling
- Central Air
Appliances
- Included: Washer/Dryer Stacked, Electric Range
- Laundry: Stacked
Features
- Main Level Primary, Walk-In Closet(s)
Interior area
- Total structure area: 860
- Total interior livable area: 860 sqft
Property
Features
- Patio & porch: Balcony
- Exterior features: Dock
- Pool features: In Ground, Community
- Has view: Yes
- View description: Bay
- Has water view: Yes
- Water view: Bay
- Waterfront features: Bayfront, Shoreline - Sand
Lot
- Features: Sprinkler System
Details
- Parcel number: 25679122000
Construction
Type & style
- Home type: Condo
- Architectural style: Low Rise
- Property subtype: Condominium
Materials
- Concrete, Stucco
- Foundation: Slab
- Roof: Tile
Condition
- New construction: No
- Year built: 1982
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Cable Connected, Electricity Available
Community & HOA
Community
- Features: Dock, Elevator, Community Pool
- Security: Smoke Detector(s)
- Subdivision: Bay Club Condo Ph 1
HOA
- Has HOA: Yes
Location
- Region: Panama City
Financial & listing details
- Price per square foot: $279/sqft
- Tax assessed value: $194,650
- Annual tax amount: $2,375
- Date on market: 7/21/2026
- Electric utility on property: Yes
Estimated market value
$230,500
$219,000 - $242,000
$1,640/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/21/2026 | Listed for sale | $240,000+74%$279/sqft |
Source:  CPAR #792976 Report a problem | ||
| 1/8/2011 | Listing removed | $137,900+37.9%$160/sqft |
Source: Best Beach Realty Group #392855 Report a problem | ||
| 4/29/2010 | Sold | $100,000-27.5%$116/sqft |
Source: Public Record Report a problem | ||
| 2/2/2010 | Price change | $137,900-18.4%$160/sqft |
Source: Counts Real Estate Group, Inc. #392855 Report a problem | ||
| 6/22/2009 | Listed for sale | $169,000+117.2%$197/sqft |
Source: Counts Real Estate Group, Inc. #392855 Report a problem | ||
| 1/16/2008 | Sold | $77,800$90/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,375 -2.8% | $99,559 +10% |
| 2023 | $2,443 +33.4% | $90,508 +10% |
| 2022 | $1,832 | $82,280 |
| 2021 | -- | -- |
| 2020 | $747 +68.8% | $30,107 +10% |
| 2019 | $442 | $27,370 -63.4% |
| 2018 | $442 -61.6% | $74,800 +10% |
| 2017 | $1,153 +13.2% | $68,000 +2.4% |
| 2016 | $1,019 +0.9% | $66,393 +10% |
| 2015 | $1,010 | $60,357 +10% |
| 2014 | $1,010 | $54,870 +0% |
| 2013 | -- | $54,868 +10% |
| 2012 | -- | $49,880 -32.3% |
| 2011 | -- | $73,630 +30.7% |
| 2010 | -- | $56,344 +10% |
| 2009 | -- | $51,222 -21.5% |
| 2008 | -- | $65,251 -13% |
| 2007 | -- | $75,001 |
| 2006 | -- | $75,001 +61% |
| 2005 | -- | $46,597 +3% |
| 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.Climate risks
Neighborhood: 32401
Nearby schools
GreatSchools rating
- 5/10Merriam Cherry Street Elementary SchoolGrades: PK-5Distance: 0.6 mi
- 2/10Jinks Middle SchoolGrades: 6-8Distance: 1.9 mi
- 4/10Bay High SchoolGrades: 9-12Distance: 1.8 mi
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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A local agent can set up tours, give advice and negotiate with sellers.
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