About This Home

This 2-bedroom, 2-bathroom condo at 316 Cherry Street #41 in Panama City, FL is listed for $235,000 ($273 per sqft). Built in 1982, the home offers 860 sqft of living space on a N/A lot.

Key Features

  • Built in 1982
  • Waterfront

Property Details

2 full
#41
1982

Amenities

WaterfrontA/C
Listing 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.

Monthly Cost Estimate

$1,824/mo

20% down · 6.5% · 30 years

Principal$170
Interest$1,018
Insurance$69
HOA$567

Estimates only. Actual payments may vary.

Location

316 Cherry Street #41

Panama City, FL 32401

Bay Club Condo Ph 1

Features & Amenities

Interior Features

MainLevelPrimaryWalkInClosets

Exterior Features

Dock

Property Details

Construction

Concrete Stucco

Heating

CentralElectric (Heating)

Cooling

Central Air

Appliances

WasherDryerStackedElectricRange

Questions & Answers

This 2-bedroom, 2-bathroom condo at 316 Cherry Street is listed at $235,000 ($273/sqft). The estimated monthly payment is $1,824 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $567/month.

Key features include: Built in 1982, Waterfront. Interior Features: MainLevelPrimary, WalkInClosets. Exterior Features: Dock.

This property is listed by Heather Fox.

HF

Heather Fox

License SL3392228

Agent at Beachy Beach Real Estate

Listed by Beachy Beach Real Estate · Broker phone: (850) 527-5651 · View on Broker Site · Broker website

MLS# 792976· Source: Central Panhandle Association of REALTORS· 98 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.

316 Cherry Street #41, Panama City, FL 32401

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