# 171 White Cap Way, Panama City Beach, FL 32407 > **TL;DR:** 3bd/3ba townhouse, $284,900 ($199/sqft), built 2005, 1,432 sqft. Est. $2,021/mo. Listed 206 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $284,900 | | Price/sqft | $199 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 1,432 | | Year Built | 2005 | | Lot Size | 1,742 sqft (0.04 acres) | | Stories | 2 | | Property Type | Townhouse (Townhouse) | | Status | Active | | Days on Market | 206 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,441 | | Estimated Insurance | $83 | | HOA | $497 | | **Total** | **$2,021** | ## Nearby Schools - **Elementary:** Hutchison Beach - **Middle:** Surfside - **High:** Arnold ## Property Highlights - Built in 2005 - 0.04 acre lot - 2 stories ## Description ### Agent Description Welcome to Palm Cove in Panama City Beach centrally located community just a short drive to the beach, dining, and shopping. This beautifully updated home is your ticket to affordable beach living. being a spacious 3-bedroom, 2.5-bath attached single-family this unit offers a functional layout with level entry, making it ideal for full-time living, or a second home. The main living area features an open floor plan with plenty of natural light, creating a comfortable space to relax or entertain. The primary suite along with additional half bath and laundry are also on main floor. Upstairs, you'll find two generously sized bedrooms, along with ample storage and closet space. The home can be purchased furnished (negotiable) with an acceptable offer making it truly move-in or rental ready. Palm Cove residents enjoy access to community pools and a low-maintenance lifestyle, all within close proximity to the beach and local attractions. Whether you're a first-time homebuyer, looking for a coastal getaway, or seeking a property with short-term rental potential, this one checks the boxes. Schedule your showing today and see what Palm Cove living is all about. ## Location - **Address:** 171 White Cap Way, Panama City Beach, FL 32407 - **County:** Bay - **Neighborhood:** Palm Cove - **Coordinates:** 30.192399, -85.816527 - **Google Maps:** https://www.google.com/maps?q=30.192399,-85.816527 ## Listing Agent - **Name:** Sandi Smith - **Brokerage:** Dalton Wade - **Broker Phone:** (727) 888-4175 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/171-White-Cap-Way_Panama-City-Beach_FL_32407_M67353-10599?f=listhub&s=BCARFL&m=788160&c=propsimple) ## Photos ![171 White Cap Way - Photo 1](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f305517234r.jpg) ![171 White Cap Way - Photo 2](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f700219645r.jpg) ![171 White Cap Way - Photo 3](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f3524469420r.jpg) ![171 White Cap Way - Photo 4](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f1971096097r.jpg) ![171 White Cap Way - Photo 5](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f2606295760r.jpg) ![171 White Cap Way - Photo 6](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f3725138534r.jpg) ![171 White Cap Way - Photo 7](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f3333860531r.jpg) ![171 White Cap Way - Photo 8](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f2698160680r.jpg) ![171 White Cap Way - Photo 9](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f1026918549r.jpg) ![171 White Cap Way - Photo 10](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f921974596r.jpg) ![171 White Cap Way - Photo 11](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f4053090004r.jpg) ![171 White Cap Way - Photo 12](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f1446936088r.jpg) ![171 White Cap Way - Photo 13](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f3167963018r.jpg) ![171 White Cap Way - Photo 14](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f55989513r.jpg) ![171 White Cap Way - Photo 15](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f2147007576r.jpg) ![171 White Cap Way - Photo 16](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f3153062038r.jpg) ![171 White Cap Way - Photo 17](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f496964153r.jpg) ![171 White Cap Way - Photo 18](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f2530339035r.jpg) ![171 White Cap Way - Photo 19](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f1039087832r.jpg) ![171 White Cap Way - Photo 20](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f4096516320r.jpg) ![171 White Cap Way - Photo 21](http://lh.rdcpix.com/45dce4ad0bf105cabe933f54ab651a17l-f2419851512r.jpg) --- **MLS#:** 788160 | **Updated:** 2026-10-29 **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.ai/listing/171-white-cap-way-panama-city-beach-fl-32407-a1d6478da2ae4cef80e334081c138215) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/171-white-cap-way-panama-city-beach-fl-32407-a1d6478da2ae4cef80e334081c138215#listing", "url": "https://www.propertysimple.ai/listing/171-white-cap-way-panama-city-beach-fl-32407-a1d6478da2ae4cef80e334081c138215", "name": "171 White Cap Way, Panama City Beach, FL 32407", "description": "Welcome to Palm Cove in Panama City Beach centrally located community just a short drive to the beach, dining, and shopping. 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