About This Home

This 4-bedroom, 3-bathroom single family at 123 Moonraker Circle in Panama City Beach, FL is listed for $524,900 ($240 per sqft). Built in 2019, the home offers 2,191 sqft of living space on a 0.18 acres lot.

Key Features

  • Built in 2019
  • 0.18 acre lot
  • Waterfront

Property Details

1 story
3 full
2-car garage
2019

Amenities

Waterfront
Listing Description

LOCATION, LOCATION, LOCATION -- CLOSE TO BEACH WITH A UNIQUE IN-LAW/GUEST SUITE! Welcome to Moonraker Circle, where coastal living meets flexibility, privacy, and convenience. Located just .5 of a mile from M.B. Miller County Pier and the beautiful beaches of Panama City Beach, this distinctive 4-bedroom, 3-bath home has 2,191 heated/cooled sq.

ft. and 2,862 sq. ft. under roof, with a layout that provides exceptional versatility. One of the home's standout features is the in-law/guest suite under the same roof as the main home, complete with its own private exterior entrance and an interior connecting door.

The suite includes a bedroom, full bathroom with a large walk-in shower, laundry closet designed for a stackable washer/dryer, full kitchen with dining area, and living room. It's an ideal space for extended family, guests, or anyone wanting additional privacy and flexibility.

The main home features a 3-bedroom, 2-bath split-bedroom floor plan with an open-concept living, dining, and kitchen area. The spacious primary bedroom measures approximately 14' x 16' and includes a large walk-in closet and ensuite bathroom with double vanity, garden tub, separate shower, and private toilet room.

The two additional bedrooms each feature walk-in closets and share a full bathroom. Step outside to the screened back porch overlooking the neighborhood pond, complete with a relaxing fountain. Enjoy your morning coffee while taking in the peaceful water view or unwind in the evening with a glass of wine.

The fenced yard provides added privacy and is convenient for pets. Additional highlights include: - Two-car garage plus additional parking area for a third vehicle - Shaw luxury vinyl plank flooring throughout the main living areas and guest suite - Two main-home bedrooms re-carpeted in January 2025 - New HVAC unit on main house August 2026 - Exter

ior repainted December 2024 - Additional interior rooms painted fall 2025 - Crown molding in main living areas - 3'' plantation shutters throughout the main home - Separate laundry room with cabinets and full-size washer/dryer space - Keyless front-door entry - Wyze doorbell camera and PTZ driveway/road camera - Low-voltage lighting along the rear

and side yards - Fenced yard with privacy and pet-friendly functionality The $400 quarterly HOA fee provides maintenance of the community pool and bathrooms, covered cookout area and grill, dog park, doggie stations, and approximately 4.3 acres of maintained common-area grounds.

Moonraker Circle is a pet-friendly community. And the location is hard to beat -- close to the beach, restaurants, gyms, major grocery stores, home improvement centers, Shipwreck Island, and countless Panama City Beach attractions. If you're looking for a home that provides beach proximity, peaceful water views, flexible living space, and a truly versatile guest/in-law suite, this one deserves a closer look. Some photos have been virtually rendered.

Monthly Cost Estimate

$3,207/mo

20% down · 6.5% · 30 years

Principal$380
Interest$2,275
Insurance$153
HOA$400

Estimates only. Actual payments may vary.

Location

123 Moonraker Circle

Panama City Beach, FL 32407

Moonraker

Features & Amenities

Interior Features

InteriorStepsMainLevelPrimary

Exterior Features

PatioPorchRainGutters

Property Details

Construction

HardiplankType

Outdoor Features

PatioPorch

Heating

Central

Questions & Answers

This 4-bedroom, 3-bathroom single family at 123 Moonraker Circle is listed at $524,900 ($240/sqft). The estimated monthly payment is $3,207 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $400/month.

Key features include: Built in 2019, 0.18 acre lot, Waterfront. Interior Features: InteriorSteps, MainLevelPrimary. Exterior Features: Patio, Porch, RainGutters.

This property is listed by Steven Koleno.

SK

Steven Koleno

Agent at beycome

Listed by beycome · Broker phone: (844) 239-2663 · View on Broker Site · Broker website

MLS# 782046· Source: Central Panhandle Association of REALTORS· 339 days on PropertySimple

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.

123 Moonraker Circle, Panama City Beach, FL 32407

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