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For sale
  • Price cut: $5.1K (8/21)
    $449,900

    532 Cove Villa St, Panama City Beach, FL 32407

    4beds
    2,602sqft
    : 
    $2,880/mo
    Get pre-qualified
    Single Family Residence
    Built in 2021
    4,791 Square Feet Lot
    $437,600 Zestimate®
    $173/sqft
    $52/mo HOA

    What's special

    Modern finishesModern coastal comfortHighly functional jack-and-jill bathroomStunning granite countertopsCozy carpetingEcho dot integrationSleek smooth-top stove
    NEW PHOTOS! MOTIVATED SELLER! LOW HOA! SHORT TERM RENTAL FRIENDLY! Exceptional value meets prime coastal living-this is currently the LOWEST priced 4-BED, 2,600+ sq ft home featuring a MAIN-FLOOR PRIMARY SUITE anywhere in PCB! YOUR COASTAL BEAUTY AWAITS! A 2021 CRAFTSMAN, TUCKED AWAY ON A PRIVATE CUL-DE-SAC. Deeply loved and meticulously maintained by its current family, this property is filled with warmth, character, and an incredible sense of home. Spanning over 2,600 square feet of brilliantly designed living space, this immaculate 4-bedroom, 3.5-bathroom residence is the definition of modern coastal comfort. With a fresh, open-concept layout and premium upgrades throughout, this house proves you do not have to sacrifice space for a phenomenal location. DESIGNED FOR EFFORTLESS EVERYDAY LIVING, THE FLOOR PLAN FEATURES TWO SEPARATE LIVING ROOMS TO GIVE EVERYONE IN THE FAMILY PLENTY OF COMFORTABLE SPACE TO SPREAD OUT. The main level offers ultimate privacy with a spacious 1ST FLOOR PRIMARY BEDROOM retreat featuring a massive walk-in closet and an en-suite bathroom that serves as a true oasis, boasting a large walk-in shower. The heart of the home is a beautiful chef's kitchen equipped with stunning granite countertops, a sleek smooth-top stove, high-end stainless steel appliances, pantry, and cabinetry offering incredible storage. Beautiful, durable vinyl plank flooring runs throughout the downstairs living areas, perfectly complementing the modern finishes while standing up to a busy lifestyle. Fully equipped for convenience, the property includes built-in smart-home technology with keyless entry, a touch-screen control panel, a smart doorbell, and Echo Dot integration. THE SECOND LEVEL IS AN ABSOLUTE DREAM FOR FAMILIES OR HOSTING GUESTS, HIGHLIGHTED BY A MASSIVE SECONDARY LIVING ROOM. This spacious upstairs family or game room is the perfect, comfortable flex space for a pool table, a cozy media room, or a private retreat for kids to relax and play. The generously sized upstairs bedrooms feature cozy carpeting and share a highly functional Jack-and-Jill bathroom. Step outside to your private outdoor oasis, where a covered patio overlooks a fully privacy-fenced backyard, creating a secure environment that has been the setting for countless weekend cookouts and wonderful family memories. LOCATION IS EVERYTHING, AND FOR MILITARY BUYERS, THIS IS THE ULTIMATE PCS DREAM WITH NSA PANAMA CITY RIGHT AT YOUR DOORSTEP. From your quiet cul-de-sac, your morning commute to the Navy base is literally under five minutes, making it an absolute dream for active duty families or busy professionals. When it is time to unwind, you are perfectly positioned less than ten minutes from the pristine shores of St. Andrews State Park and the sugar-white sand beaches. Spend your weekends exploring the waterfront dining and shopping of the Grand Lagoon, grabbing authentic local flavor at Dat Cajun Place, or celebrating the sunset at the legendary Schooners. PRICED COMPETITIVELY, THIS INCREDIBLY LOVED HOME REPRESENTS A FANTASTIC VALUE AND THE PERFECT LANDING SPOT FOR A RELOCATION. This property is incredibly versatile and warmly welcomes VA, FHA, Conventional, and Cash buyers. A nearly-new build with two living spaces, this much square footage, and this level of comfort is a rare find on the coast, so schedule your private tour today!
    71 days
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    582
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    31
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    Zillow last checked:

    Listing updated:

    Listed by:

    Danielle S Kemp 850-896-2487,

    CENTURY 21 Ryan Realty Inc,

    Natalie A Ryan 850-960-1731,

    CENTURY 21 Ryan Realty Inc

    Source: CPAR,MLS#: 791523MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bedroom, Dining Room, Family Room, Kitchen, Living Room, Primary Bedroom
      Primary bedroom
      • Description: approximate
      • Level: First
      • Dimensions: 16 x 13
      Bedroom
      • Description: approximate
      • Level: Second
      • Dimensions: 13 x 11
      Bedroom
      • Description: approximate
      • Level: Second
      • Dimensions: 13 x 11
      Bedroom
      • Description: approximate
      • Level: Second
      • Dimensions: 12 x 12
      Dining room
      • Description: approximate
      • Level: First
      • Dimensions: 12 x 13
      Family room
      • Description: approximate
      • Level: Second
      • Dimensions: 23 x 16
      Kitchen
      • Description: approximate
      • Level: First
      • Dimensions: 11 x 13
      Living room
      • Description: approximate
      • Level: First
      • Dimensions: 13 x 21
      Heating
      • Central, Electric
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Electric Range, Electric Water Heater
      Features
      • Double Vanity, Interior Steps, Main Level Primary, Walk-In Closet(s)
      Interior area
      • Total structure area: 2,602
      • Total interior livable area: 2,602 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage, Garage Door Opener
      • Garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Covered, Porch, Screened
      • Exterior features: Porch
      • Fencing: Fenced
      Lot
      • Size: 4,791 Square Feet
      • Dimensions: 50.0 ft x 100.0 ft
      • Features: Cul-De-Sac, Sprinkler System, Paved
      Details
      • Parcel number: 27541500018
      • Zoning description: County, Resid Single Family
      • Special conditions: Listed As-Is

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Craftsman
      • Property subtype: Single Family Residence
      Materials
      • HardiPlank Type, Wood Frame
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2021

      Utilities & green energy

      • Sewer: Public Sewer
      • Utilities for property: Cable Connected, Electricity Available, Underground Utilities

      Community & HOA

      Community
      • Features: Short Term Rental Allowed
      • Security: Security System
      • Subdivision: Emerald Cove Villas
      HOA
      • Has HOA: Yes
      • Services included: Association Management, Legal/Accounting
      • HOA fee: $620 annually
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $173/sqft
      • Tax assessed value: $455,012
      • Annual tax amount: $4,122
      • Date on market: 6/18/2026
      • Cumulative days on market: 71 days
      • Electric utility on property: Yes

        Estimated market value

        $437,600

        $416,000 - $459,000

        $3,087/mo

        Price history

        DateEventPrice
        8/21/2026Price change$449,900-1.1%$173/sqft
        Source: CPAR #791523 Report a problem
        7/24/2026Price change$455,000-2.2%$175/sqft
        Source: CPAR #791523 Report a problem
        6/18/2026Listed for sale$465,000+3.3%$179/sqft
        Source: CPAR #791523 Report a problem
        8/29/2024Sold$450,000-3.2%$173/sqft
        Source: CPAR #756227 Report a problem
        8/7/2024Contingent$465,000$179/sqft
        Source: CPAR #756227 Report a problem
        6/27/2024Price change$465,000-1%$179/sqft
        Source: CPAR #756227 Report a problem
        4/26/2024Listed for sale$469,900-0.4%$181/sqft
        Source: CPAR #756227 Report a problem
        4/22/2024Listing removed--
        Source: CPAR #755712 Report a problem
        4/15/2024Listed for sale$472,000$181/sqft
        Source: CPAR #755712 Report a problem
        4/15/2024Listing removed--
        Source: CPAR #746969 Report a problem
        2/13/2024Price change$472,000-1.5%$181/sqft
        Source: CPAR #746969 Report a problem
        11/13/2023Price change$479,000-2%$184/sqft
        Source: CPAR #746969 Report a problem
        10/26/2023Price change$489,000-2%$188/sqft
        Source: CPAR #746969 Report a problem
        9/22/2023Listed for sale$499,000+26.3%$192/sqft
        Source: CPAR #746969 Report a problem
        8/26/2021Sold$395,000$152/sqft
        Source: CPAR #713292 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$4,122 +1.6%$376,337 +3%
        2023$4,058 +11.3%$365,376 +3%
        2022$3,644 $354,734
        2021-- --
        2020$544 +137%$44,700 +140%
        2019$229 $18,623
        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.

        Climate risks

        Neighborhood: 32407

        Getting around

        23 / 100
        Car-Dependent
        39 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Walsingham Academy
        • Middle: Breakfast Point
        • 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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