# 3946 Whitehead Boulevard, Panama City, FL 32404

> **TL;DR:** 5bd/4ba single family, $499,000 ($124/sqft), built 2019, 4,032 sqft.
> Solar, Waterfront, A/C. Est. $2,162/mo. Listed 424 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $499,000 |
| Price/sqft | $124 |
| Bedrooms | 5 |
| Bathrooms | 3 full, 1 half |
| Square Feet | 4,032 |
| Year Built | 2019 |
| Lot Size | 14,375 sqft (0.33 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 424 |

## Why This Home Stands Out

- **Solar Panels** - Reduced energy costs
- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $2,162 |
| **Total** | **$2,162** |

## Nearby Schools

- **Elementary:** Cedar Grove
- **Middle:** Merritt Brown
- **High:** Bay

## Key Amenities

- Solar
- Waterfront
- A/C

## Property Highlights

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

## Description

### 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!

## Location

- **Address:** 3946 Whitehead Boulevard, Panama City, FL 32404
- **County:** Bay
- **Neighborhood:** Manors of Magnolia Hills
- **Coordinates:** 30.204395, -85.592591
- **Google Maps:** https://www.google.com/maps?q=30.204395,-85.592591

## Virtual Tour & Media

- **Video Tour:** https://www.zillow.com/view-imx/8fb41c8c-e473-4e27-82c1-23370b8b86fd?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

## Listing Agent

- **Name:** Michele Monastra
- **Brokerage:** Epique Realty Inc
- **Phone:** 8504937653
- **Email:** shesells850@gmail.com

## Primary Photo

![3946 Whitehead Boulevard - Primary Photo](http://lh.rdcpix.com/4f0150c38dfb610a51ee9cc1a46eccd4l-f3935036959r.jpg)

*58 total photos available on [listing page](https://www.propertysimple.com/listing/3946-whitehead-boulevard-panama-city-fl-32404-l771782)*

---

**MLS#:** 771782 | **Updated:** 2026-06-18
**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.com/listing/3946-whitehead-boulevard-panama-city-fl-32404-l771782)

---

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