# 323 Prudence Lane, Panama City Beach, FL 32408

> **TL;DR:** 3bd/2ba single family, $395,000 ($297/sqft), built 1986, 1,332 sqft.
> Fireplace, A/C, 2-car garage. Est. $2,112/mo. Listed 58 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $395,000 |
| Price/sqft | $297 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,332 |
| Year Built | 1986 |
| Lot Size | 16,553 sqft (0.38 acres) |
| Stories | 1 |
| Garage | 2-car |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 58 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,997 |
| Estimated Insurance | $115 |
| **Total** | **$2,112** |

## Nearby Schools

- **Elementary:** Patronis
- **Middle:** Surfside
- **High:** Arnold

## Key Amenities

- Fireplace
- A/C
- 2-car garage

## Property Highlights

- Built in 1986
- 0.38 acre lot
- 4 parking spaces
- Fireplace

## Description

### Agent Description
Move-in ready and fully renovated, this 3-bedroom, 2-bathroom home in Panama City Beach offers modern updates, an oversized backyard, and a convenient location near the beach, marina, Navy base, shopping, dining, and more. Inside, you'll find new flooring, fresh interior paint, updated lighting, shaker-style trim, and vaulted ceilings in the main living area, creating an open and inviting feel. The updated kitchen features new quartz countertops and newer stainless steel appliances, perfect for everyday living and entertaining. The primary suite includes a beautifully updated bathroom with a tile shower and new vanity, while updated windows throughout add to the home's refreshed feel. One of the standout features is the oversized backyard--one of the largest in the neighborhood. With plenty of space for entertaining, pets, gardening, recreational storage, or even a future pool, the possibilities are endless. Located just a few miles from Captain Anderson's Marina and minutes from Panama City Beach's white-sand beaches, restaurants, shopping, entertainment, and attractions. Naval Support Activity Panama City, Gulf Coast State College, and Panama City are also conveniently nearby. Enjoy a beautifully updated home with plenty of outdoor space in a location that keeps you close to everything Panama City Beach has to offer.

## Location

- **Address:** 323 Prudence Lane, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** North Lagoon Heights Phase II
- **Coordinates:** 30.164415, -85.766521
- **Google Maps:** https://www.google.com/maps?q=30.164415,-85.766521

## Listing Agent

- **Name:** Morgan L Benton · **License:** 3388456
- **Brokerage:** EXP REALTY LLC
- **Broker Phone:** (888) 883-8509
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/323-Prudence-Ln_Panama-City-Beach_FL_32408_M51790-73713?f=listhub&s=ECARMLSFL&m=1012506&c=propsimple)

## Photos

![323 Prudence Lane - Photo 1](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2880194550r.jpg)

![323 Prudence Lane - Photo 2](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1565105903r.jpg)

![323 Prudence Lane - Photo 3](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3389712229r.jpg)

![323 Prudence Lane - Photo 4](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1332430655r.jpg)

![323 Prudence Lane - Photo 5](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f931351796r.jpg)

![323 Prudence Lane - Photo 6](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1537442348r.jpg)

![323 Prudence Lane - Photo 7](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3094186185r.jpg)

![323 Prudence Lane - Photo 8](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4069917292r.jpg)

![323 Prudence Lane - Photo 9](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1736222344r.jpg)

![323 Prudence Lane - Photo 10](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3752271822r.jpg)

![323 Prudence Lane - Photo 11](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4138717018r.jpg)

![323 Prudence Lane - Photo 12](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4287186497r.jpg)

![323 Prudence Lane - Photo 13](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2437100952r.jpg)

![323 Prudence Lane - Photo 14](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f795296402r.jpg)

![323 Prudence Lane - Photo 15](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2081960217r.jpg)

![323 Prudence Lane - Photo 16](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2072825448r.jpg)

![323 Prudence Lane - Photo 17](http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3723227726r.jpg)

---

**MLS#:** 1012506 | **Updated:** 2026-10-28
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca)

---

## Structured Data

```json
{
  "@context": "https://schema.org",
  "@type": "RealEstateListing",
  "@id": "https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca#listing",
  "url": "https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca",
  "name": "323 Prudence Lane, Panama City Beach, FL 32408",
  "description": "Move-in ready and fully renovated, this 3-bedroom, 2-bathroom home in Panama City Beach offers modern updates, an oversized backyard, and a convenient location near the beach, marina, Navy base, shopping, dining, and more. Inside, you'll find new flooring, fresh interior paint, updated lighting, shaker-style trim, and vaulted ceilings in the main living area, creating an open and inviting feel. The updated kitchen features new quartz countertops and newer stainless steel appliances, perfect for everyday living and entertaining. The primary suite includes a beautifully updated bathroom with a tile shower and new vanity, while updated windows throughout add to the home's refreshed feel. One of the standout features is the oversized backyard--one of the largest in the neighborhood. With plenty of space for entertaining, pets, gardening, recreational storage, or even a future pool, the possibilities are endless. Located just a few miles from Captain Anderson's Marina and minutes from Panama City Beach's white-sand beaches, restaurants, shopping, entertainment, and attractions. Naval Support Activity Panama City, Gulf Coast State College, and Panama City are also conveniently nearby. Enjoy a beautifully updated home with plenty of outdoor space in a location that keeps you close to everything Panama City Beach has to offer.",
  "image": [
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2880194550r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1565105903r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3389712229r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1332430655r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f931351796r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1537442348r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3094186185r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4069917292r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1736222344r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3752271822r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4138717018r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4287186497r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2437100952r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f795296402r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2081960217r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2072825448r.jpg",
    "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3723227726r.jpg"
  ],
  "primaryImageOfPage": {
    "@type": "ImageObject",
    "url": "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2880194550r.jpg",
    "caption": "323 Prudence Lane - Panama City Beach, FL"
  },
  "datePosted": "2026-09-03",
  "dateModified": "2026-10-28T14:23:06.518Z",
  "mainEntity": {
    "@type": "Accommodation",
    "@id": "https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca#property",
    "name": "323 Prudence Lane, Panama City Beach, FL 32408",
    "address": {
      "@type": "PostalAddress",
      "streetAddress": "323 Prudence Lane",
      "addressLocality": "Panama City Beach",
      "addressRegion": "FL",
      "postalCode": "32408",
      "addressCountry": "US"
    },
    "geo": {
      "@type": "GeoCoordinates",
      "latitude": 30.164415,
      "longitude": -85.766521
    },
    "image": [
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2880194550r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1565105903r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3389712229r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1332430655r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f931351796r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1537442348r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3094186185r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4069917292r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f1736222344r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3752271822r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4138717018r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f4287186497r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2437100952r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f795296402r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2081960217r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f2072825448r.jpg",
      "http://lh.rdcpix.com/415b3d8cbeefaeabf662ac8bb5c2a61fl-f3723227726r.jpg"
    ],
    "identifier": {
      "@type": "PropertyValue",
      "propertyID": "MLS",
      "value": "1012506"
    },
    "accommodationCategory": "Other",
    "numberOfBedrooms": 3,
    "numberOfBathroomsTotal": 2,
    "numberOfFullBathrooms": 2,
    "floorSize": {
      "@type": "QuantitativeValue",
      "value": 1332,
      "unitCode": "FTK",
      "unitText": "square feet"
    },
    "yearBuilt": 1986,
    "amenityFeature": [
      {
        "@type": "LocationFeatureSpecification",
        "name": "Heating",
        "value": "Natural Gas"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Cooling",
        "value": "Central Air"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Appliances",
        "value": "Auto Garage Door Opn, Cooktop, Dishwasher, Microwave, Range Hood, Refrigerator W/IceMk, Smoke Detector"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Flooring",
        "value": "Vinyl"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Construction Materials",
        "value": "Stucco"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Pool Features",
        "value": "Porch, Patio"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Parking Features",
        "value": "Garage"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Fireplace",
        "value": true
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Air Conditioning",
        "value": true
      }
    ],
    "additionalProperty": [
      {
        "@type": "PropertyValue",
        "name": "Lot Size",
        "value": "0.38 acres"
      },
      {
        "@type": "PropertyValue",
        "name": "Stories",
        "value": 1
      },
      {
        "@type": "PropertyValue",
        "name": "Parking Spaces",
        "value": 4
      },
      {
        "@type": "PropertyValue",
        "name": "Garage Spaces",
        "value": 2
      },
      {
        "@type": "PropertyValue",
        "name": "Property Subtype",
        "value": "Other"
      }
    ]
  },
  "offers": {
    "@type": "Offer",
    "@id": "https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca#offer",
    "url": "https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca",
    "price": 395000,
    "priceCurrency": "USD",
    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/InStock",
    "seller": {
      "@id": "https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca#agent"
    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca#agent",
    "name": "Morgan L Benton",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://www.propertysimple.ai/listing/323-prudence-lane-panama-city-beach-fl-32408-ea47ea95f96a4cca818e3125ab28bfca#brokerage",
      "name": "EXP REALTY LLC",
      "telephone": "(888) 883-8509"
    }
  }
}
```