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For sale
    • Price cut: $39.5K (8/3)
    $529,500

    655 16th St, Panama City Beach, FL 32413

    4beds
    2,280sqft
    : 
    $3,367/mo
    Get pre-qualified
    Single Family Residence
    Built in 2013
    0.32 Acres Lot
    $507,800 Zestimate®
    $232/sqft
    $-- HOA

    What's special

    Located on the sought-after west end of Panama City Beach, this charming yellow beach house offers 4 bedrooms, 2.5 baths, and endless potential on a large lot with no HOA. Just minutes from the beach, the home features a spacious layout with generous living areas and plenty of room to make it your own. The interior is ready for updates, making this an excellent opportunity for investors, renovators, or buyers looking to create a personalized coastal retreat. With ample outdoor space for boats, RV parking, or future additions, this property combines location, flexibility, and value in one of the area's most desirable beachside communities.
    104 days
    47
    1

    Zillow last checked:

    Listing updated:

    Listed by:

    Shelley M Smith 850-502-0117,

    Better Homes and Gardens Coast Properties

    Source: CPAR,MLS#: 790106MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bedroom, Living Room, Primary Bedroom
      Primary bedroom
      • Level: First
      • Dimensions: 15 x 17
      Bedroom
      • Level: First
      • Dimensions: 10 x 12
      Bedroom
      • Level: First
      • Dimensions: 10 x 9
      Living room
      • Level: First
      • Dimensions: 20 x 12
      Heating
      • Central
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Electric Oven, Electric Range, Electric Water Heater
      Features
      • Double Vanity, Main Level Primary, Separate Shower
      Interior area
      • Total structure area: 2,280
      • Total interior livable area: 2,280 sqft

      Property

      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Patio
      • Exterior features: Patio
      Lot
      • Size: 0.32 Acres
      • Dimensions: 125 x 115 x 123 x 113
      • Features: Paved
      Details
      • Additional structures: Shed(s)
      • Parcel number: 36582136000
      • Zoning description: Resid Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Ranch
      • Property subtype: Single Family Residence
      Materials
      • HardiPlank Type, Vinyl Siding
      • Roof: Asphalt
      Condition
      • New construction: No
      • Year built: 2013

      Utilities & green energy

      • Utilities for property: High Speed Internet Available

      Community & HOA

      Community
      • Features: Short Term Rental Allowed
      • Subdivision: White Sands Estates
      HOA
      • Has HOA: No
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $232/sqft
      • Tax assessed value: $286,479
      • Annual tax amount: $1,455
      • Date on market: 5/20/2026
      • Cumulative days on market: 105 days

        Estimated market value

        $507,800

        $482,000 - $533,000

        $3,430/mo

        Price history

        DateEventPrice
        8/3/2026Price change$529,500-6.9%$232/sqft
        Source: CPAR #790106 Report a problem
        5/20/2026Listed for sale$569,000$250/sqft
        Source: CPAR #790106 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$1,405 +2.1%$150,303 +3%
        2023$1,376 +11.2%$145,925 +3%
        2022$1,238 $141,675
        2021-- --
        2020$1,231 +2.1%$135,650 +2.3%
        2019$1,206 $132,600 +1.9%
        2018$1,206 +0.9%$130,128 +4.2%
        2017$1,196 +4.8%$124,833 -0.4%
        2016$1,142 -7.9%$125,331 -1.9%
        2015$1,239 $127,792 -0.7%
        2014$1,239 $128,754
        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.
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        Climate risks

        Neighborhood: 32413

        Getting around

        14 / 100
        Car-Dependent
        55 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: West Bay
        • Middle: Surfside
        • 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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