# 109 Sand Oak Boulevard, Panama City Beach, FL 32413

> **TL;DR:** 3bd/3ba townhouse, $295,000 ($189/sqft), built 2008, 1,560 sqft.
> A/C. Est. $1,278/mo. Listed 24 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $295,000 |
| Price/sqft | $189 |
| Bedrooms | 3 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 1,560 |
| Year Built | 2008 |
| Property Type | Townhouse (Townhouse) |
| Status | For Sale |
| Days on Market | 24 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $1,278 |
| **Total** | **$1,278** |

## Nearby Schools

- **Elementary:** West Bay
- **Middle:** Surfside
- **High:** Arnold

## Key Amenities

- A/C

## Property Highlights

- Built in 2008

## Description

### Agent Description
Welcome to 109 Sand Oak Boulevard located in the desirable Whisper Dunes community on the west end of Panama City Beach! This 3-bedroom, 2.5-bath townhome offers a fantastic opportunity for buyers looking to add their own personal touches and build instant value. Priced to sell AS IS, this property is ready for a little TLC including fresh paint and new carpet -- making it an excellent option for primary residence buyers, investors, or anyone seeking an affordable beach-area property with great potential. The functional floor plan features a spacious living area, covered front porch, and a 1-car garage with two additional driveway parking spaces. Additional features include a new roof in 2024. Out back, enjoy a private patio area ready to be transformed into your own outdoor living retreat -- perfect for relaxing or entertaining. Residents of Whisper Dunes enjoy a pet-friendly community with beautiful landscaping and mature trees throughout, along with a community pool and pavilion/gazebo. Conveniently located near the beaches, Pier Park, dining, shopping, and local attractions, this home offers value, location, and opportunity all in one. With a little TLC, this property has the potential to truly shine.

## Location

- **Address:** 109 Sand Oak Boulevard, Panama City Beach, FL 32413
- **County:** Bay
- **Neighborhood:** Whisper Dunes
- **Coordinates:** 30.253085, -85.936102
- **Google Maps:** https://www.google.com/maps?q=30.253085,-85.936102

## Listing Agent

- **Name:** Terry L Nutter
- **Brokerage:** Realty One Group Emerald Coast
- **Phone:** 8509196887
- **Email:** TerryNutter@Outlook.com

## Primary Photo

![109 Sand Oak Boulevard - Primary Photo](http://lh.rdcpix.com/0b85ec41c17808caa0db208193ffd34al-f2401168093r.jpg)

*17 total photos available on [listing page](https://www.propertysimple.com/listing/109-sand-oak-boulevard-panama-city-beach-fl-32413-l790203)*

---

**MLS#:** 790203 | **Updated:** 2026-06-19
**Source:** listhub

*Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.com/listing/109-sand-oak-boulevard-panama-city-beach-fl-32413-l790203)

---

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