# 316 Cherry Street #41, Panama City, FL 32401

> **TL;DR:** 2bd/2ba condo, $235,000 ($273/sqft), built 1982, 860 sqft.
> Waterfront, A/C. Est. $1,824/mo. Listed 105 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $235,000 |
| Price/sqft | $273 |
| Bedrooms | 2 |
| Bathrooms | 2 full |
| Square Feet | 860 |
| Year Built | 1982 |
| Property Type | Condo (Condominium) |
| Status | Pending |
| Days on Market | 105 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,188 |
| Estimated Insurance | $69 |
| HOA | $567 |
| **Total** | **$1,824** |

## Nearby Schools

- **Elementary:** Cherry Street
- **Middle:** Jinks
- **High:** Bay

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 1982
- Waterfront

## Description

### Agent Description
Welcome to Bay Club at St. Andrews, a low-density waterfront condominium community known for its peaceful atmosphere, coastal charm, and low turnover directly on St. Andrews Bay. The bright, inviting interior open living space extends to a private balcony overlooking the bay, beautifully nestled among the palm trees. It is the perfect place to enjoy morning coffee, coastal breezes, and unforgettable sunsets. Residents enjoy a bayfront pool, elevator, dock, swing, picnic area, garden space, and inviting outdoor areas for fishing or relaxing by the water. Located between The Cove and downtown, Bay Club is just minutes from historic downtown Panama City, St. Andrews, waterfront parks, local dining, and shopping. Whether you are seeking a full-time residence or peaceful coastal retreat, this waterfront condo offers an exceptional blend of charm, convenience, and lifestyle.

## Location

- **Address:** 316 Cherry Street #41, Panama City, FL 32401
- **County:** Bay
- **Neighborhood:** Bay Club Condo Ph 1
- **Coordinates:** 30.14529, -85.654855
- **Google Maps:** https://www.google.com/maps?q=30.14529,-85.654855

## Listing Agent

- **Name:** Heather Fox · **License:** SL3392228
- **Brokerage:** Beachy Beach Real Estate
- **Broker Phone:** (850) 527-5651
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/316-Cherry-St-Apt-41_Panama-City_FL_32401_M51472-77487?f=listhub&s=BCARFL&m=792976&c=propsimple)

## Photos

![316 Cherry Street #41 - Photo 1](http://lh.rdcpix.com/4379bae02fe4257f7c97608ba2176676l-f2597012590r.jpg)

![316 Cherry Street #41 - Photo 2](http://lh.rdcpix.com/4379bae02fe4257f7c97608ba2176676l-f1922257813r.jpg)

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![316 Cherry Street #41 - Photo 39](http://lh.rdcpix.com/4379bae02fe4257f7c97608ba2176676l-f3813445727r.jpg)

![316 Cherry Street #41 - Photo 40](http://lh.rdcpix.com/4379bae02fe4257f7c97608ba2176676l-f189689913r.jpg)

![316 Cherry Street #41 - Photo 41](http://lh.rdcpix.com/4379bae02fe4257f7c97608ba2176676l-f1518990506r.jpg)

![316 Cherry Street #41 - Photo 42](http://lh.rdcpix.com/4379bae02fe4257f7c97608ba2176676l-f4180067772r.jpg)

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![316 Cherry Street #41 - Photo 53](http://lh.rdcpix.com/4379bae02fe4257f7c97608ba2176676l-f973176803r.jpg)

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![316 Cherry Street #41 - Photo 68](http://lh.rdcpix.com/4379bae02fe4257f7c97608ba2176676l-f228541267r.jpg)

---

**MLS#:** 792976 | **Updated:** 2026-10-26
**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/316-cherry-street-panama-city-fl-32401-634c7357932b4f2aa4fa5e35d7163922)

---

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