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About This Home

This 3-bedroom, 2-bathroom single family at 232 Middleburg Drive in Panama City Beach, FL is listed for $495,000 ($249 per sqft). Built in 2006, the home offers 1,990 sqft of living space on a N/A lot.

Agent Description

Palmetto Trace w/ community pool! Located in the highly sought-after Palmetto Trace community, this 3-bedroom, 2-bath home puts you right in the center of Panama City Beach--just minutes from Pier Park, Frank Brown Park, and the beach. Inside, you'll find a functional split floor plan with an open living space, vaulted ceilings, and plenty of natural light.

The kitchen flows easily into the main living and dining areas, making it practical for everyday living and easy to entertain when needed. Fresh interior paint gives the home a clean, updated feel. The primary suite is set apart from the secondary bedrooms and offers good space, a walk-in closet, and a private bath with double vanities.

On the opposite side of the home, two additional bedrooms and a full bath provide flexibility for guests, family, or a home office. Out back, enjoy a screened-in patio that gives you that indoor-outdoor living buyers want, along with a fenced yard that's easy to maintain.

With a roof replaced in 2023 and access to two community pools, this home checks the boxes for both comfort and peace of mind. Palmetto Trace is golf cart-friendly, with sidewalks throughout, making it easy to get around and enjoy everything nearby. You're just minutes from Pier Park, with quick access to shopping, dining, nightlife, and entertainment, including local favorites, beach access, and Topgolf.

If you're looking for location, convenience, and a solid home in a strong price range, this one is worth a look. Schedule your showing today.

Key Features

  • Built in 2006

Property Details

1 story
2 full
2006

Amenities

A/C

Monthly Cost Estimate

$2,896/mo

20% down · 6.5% · 30 years

Principal$358
Interest$2,145
Insurance$144
HOA$249

Estimates only. Actual payments may vary.

Location

232 Middleburg Drive

Panama City Beach, FL 32413

Palmetto Trace

Features & Amenities

Exterior Features

Fenced Back Yard

Property Details

Construction

Stucco

Pool Features

PatioPorch

Cooling

Central Air

Appliances

DishwasherDisposalMicrowaveRefrigeratorStove/Oven Electric

Questions & Answers

This 3-bedroom, 2-bathroom single family at 232 Middleburg Drive is listed at $495,000 ($249/sqft). The estimated monthly payment is $2,394 based on 20% down at 6.5% interest.

HOA fees are $249/month.

Key features include: Built in 2006. Exterior Features: Fenced Back Yard.

This property is listed by Bubba McCants and can be reached at 8506248433 or bubbamccants@gmail.com.

BM

Bubba McCants

Agent at EXP Realty LLC

(850) 624-8433

Listed by EXP Realty LLC · View on Broker Site

MLS# 1001145· Source: listhub· Updated 41 days ago

Copyright © 2026 Emerald Coast 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.

232 Middleburg Drive, Panama City Beach, FL 32413

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