Curious about this home?

Ask anything — no agents, no pressure

Try asking

About This Home

This 5-bedroom, 4-bathroom single family at 3946 Whitehead Boulevard in Panama City, FL is listed for $499,000 ($124 per sqft). Built in 2019, the home offers 4,032 sqft of living space on a 0.33 acres lot.

Agent Description

Spacious 5BR/3.5BA home in the family-friendly Manors of Magnolia Hills offering 4,032 sq ft of open-concept living. Main-level primary suite features a walk-in closet, double vanity, separate shower, and soaking tub. Upstairs includes four additional bedrooms, a Jack-and-Jill bath, and an oversized bonus room.

Enjoy pond views from the covered back patio or take out the included John boat for a relaxing afternoon on the water. Welcoming foyer, covered front porch, fenced yard, sprinkler system, and large storage shed included. Energy costs are exceptionally low: fully paid-off solar panels save $200-$300/month, dual HVAC systems with UV air purifiers, and average total utilities of just $150-$200/month.

One-year home warranty included. Playground just steps from your front door, 20 minutes to Tyndall AFB, and zoned for Cedar Grove Elementary, Merritt Brown Middle, and Bay High School. Easy access to shopping, dining, and major roadways. Seller offering $7,500 flooring credit at closing, choose your own style & have installed prior to closing!

Property is tenant-occupied; requiring a minimum 30 day close. Assumable 2.25% VA loan with approximately $303,000 balance at $1,839/month (P&I). Compare to $2,754/month at today's 7% rates, a savings of $915/month and $220,000+ over the life of the loan. Approximately $212,000 down required to assume. VA eligibility required. Don't let this rate walk out the door. This one truly is a must see!

Key Features

  • Built in 2019
  • 0.33 acre lot
  • 2 stories
  • Waterfront

Property Details

2 stories
3 full, 1 half
2019

Amenities

SolarWaterfrontA/C

Monthly Cost Estimate

$2,669/mo

20% down · 6.5% · 30 years

Principal$361
Interest$2,162
Insurance$146

Estimates only. Actual payments may vary.

Location

3946 Whitehead Boulevard

Panama City, FL 32404

Manors of Magnolia Hills

Features & Amenities

Interior Features

BidetInteriorStepsSmartHomeEntranceFoyerPantryStorage

Property Details

Construction

BrickVeneer VinylSiding

Pool Features

PatioPorch

Heating

CentralElectric (Heating)

Cooling

Ceiling Fan(s)Central Air

Appliances

EnergyStarQualifiedAppliancesElectricRangeElectricWaterHeater

Questions & Answers

This 5-bedroom, 4-bathroom single family at 3946 Whitehead Boulevard is listed at $499,000 ($124/sqft). The estimated monthly payment is $2,162 based on 20% down at 6.5% interest.

Key features include: Built in 2019, 0.33 acre lot, 2 stories, Waterfront. Interior Features: Bidet, InteriorSteps, SmartHome.

This property is listed by Michele Monastra and can be reached at 8504937653 or shesells850@gmail.com.

MM

Michele Monastra

Agent at Epique Realty Inc

(850) 493-7653

Listed by Epique Realty Inc · View on Broker Site

MLS# 771782· Source: listhub· Updated 424 days ago

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.

3946 Whitehead Boulevard, Panama City, FL 32404

Open this listing in: