# 401 & 405 Massalina Drive, Panama City, FL 32401 > **TL;DR:** 10bd/8ba single family, $1,658,000 ($341/sqft), built 2025, 4,856 sqft. > Waterfront, A/C. Est. $8,868/mo. Listed 121 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,658,000 | | Price/sqft | $341 | | Bedrooms | 10 | | Bathrooms | 8 full | | Square Feet | 4,856 | | Year Built | 2025 | | Lot Size | 6,098 sqft (0.14 acres) | | Stories | 2 | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 121 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $8,384 | | Estimated Insurance | $484 | | **Total** | **$8,868** | ## Nearby Schools - **Elementary:** Cherry Street - **Middle:** Jinks - **High:** Bay ## Key Amenities - Waterfront - A/C ## Property Highlights - Built in 2025 - 0.14 acre lot - 2 stories - 2 parking spaces - Waterfront ## Description ### Agent Description ATTENTION!! 3 SEPARATE STRUCTURES, 2 SEPARATE PARCELS, 1 AWESOME PRICE!! Zoned for short term and long term rental. Waterfront on Massalina Bayou! Main House: Amazing 3-bedroom 2-bath with den/office *new construction*. Gorgeous views from covered porches on both floors. First floor has open kitchen with Forno Italian stainless appliances, large Island, gas stove, double door refrigerator w/ice maker and wine cooler. Living/dining walk out large sliding doors to covered porch, outdoor Thor stainless summer kitchen and pool/bayou views. Master bedroom and master bath with large custom shower, double vanity sink and walk in closet. Second floor open family room, den/office, large sliding doors to walk to walk out to covered porch overlooking pool/bayou. Two additional bedrooms and one bath. So much to offer with beautifully designed tile flooring throughout, tankless water heater and extra storage. 401 Massalina Drive is under a lease for 5 months with potential for 2 month extension. $3600 per month and includes utilities and pool service. 405 Massalina Drive: Carriage House plus Quadplex/Fourplex: $7100 per month or $85,200 per year in rental income from the carriage house and quadplex/fourplex. Perfect for a DSCR loan where your rental income pays for your mortgage, plus you get a dock and a place to park your boat on deep water. This is the most versatile quadplex/fourplex plus carriage house (comes fully furnished) in Panama City. Here is the rental income breakdown: Carriage house = $1750 per month; Apartment 1 (Civil Contractor) = $1450 per month; Apartment 2 (Realtor) = $1450 per month; Apartment 3 (Property Maintenance Man) = $1,000 per month (reduced because he takes care of the lawn and pool - you could charge $1450); Apartment 4 (Josh) = $1450 per month; Total income = $7100 per month or $85,200 per year. New custom landscaping and pool to relax and enjoy. Beautiful decking, shared dock with fish cleaning station. Location is easy to access to newly renovated downtown entertainment with shopping, dining, concerts and ongoing festivities. ## Location - **Address:** 401 & 405 Massalina Drive, Panama City, FL 32401 - **County:** Bay - **Neighborhood:** COVE THE - **Coordinates:** 30.155349, -85.655292 - **Google Maps:** https://www.google.com/maps?q=30.155349,-85.655292 ## Listing Agent - **Name:** Mike Herring · **License:** 3256219 - **Brokerage:** Keller Williams Realty- Emerald Coast - **Broker Phone:** (850) 654-2900 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/401-Massalina-Dr_Panama-City_FL_32401_M94403-00069?f=listhub&s=ECARMLSFL&m=1006980&c=propsimple) ## Photos ![401 & 405 Massalina Drive - Photo 1](http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3877556418r.jpg) ![401 & 405 Massalina Drive - Photo 2](http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3279420809r.jpg) ![401 & 405 Massalina Drive - Photo 3](http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3522941069r.jpg) ![401 & 405 Massalina Drive - 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Photo 76](http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f1180107353r.jpg) --- **MLS#:** 1006980 | **Updated:** 2026-10-26 **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/401-405-massalina-drive-panama-city-fl-32401-d953601b940f49f2bbe13fe69c42e867) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/401-405-massalina-drive-panama-city-fl-32401-d953601b940f49f2bbe13fe69c42e867#listing", "url": "https://www.propertysimple.ai/listing/401-405-massalina-drive-panama-city-fl-32401-d953601b940f49f2bbe13fe69c42e867", "name": "401 & 405 Massalina Drive, Panama City, FL 32401", "description": "ATTENTION!! 3 SEPARATE STRUCTURES, 2 SEPARATE PARCELS, 1 AWESOME PRICE!! Zoned for short term and long term rental. Waterfront on Massalina Bayou! Main House: Amazing 3-bedroom 2-bath with den/office *new construction*. Gorgeous views from covered porches on both floors. First floor has open kitchen with Forno Italian stainless appliances, large Island, gas stove, double door refrigerator w/ice maker and wine cooler. Living/dining walk out large sliding doors to covered porch, outdoor Thor stainless summer kitchen and pool/bayou views. Master bedroom and master bath with large custom shower, double vanity sink and walk in closet. Second floor open family room, den/office, large sliding doors to walk to walk out to covered porch overlooking pool/bayou. Two additional bedrooms and one bath. So much to offer with beautifully designed tile flooring throughout, tankless water heater and extra storage. 401 Massalina Drive is under a lease for 5 months with potential for 2 month extension. $3600 per month and includes utilities and pool service. 405 Massalina Drive: Carriage House plus Quadplex/Fourplex: $7100 per month or $85,200 per year in rental income from the carriage house and quadplex/fourplex. Perfect for a DSCR loan where your rental income pays for your mortgage, plus you get a dock and a place to park your boat on deep water. This is the most versatile quadplex/fourplex plus carriage house (comes fully furnished) in Panama City. Here is the rental income breakdown: Carriage house = $1750 per month; Apartment 1 (Civil Contractor) = $1450 per month; Apartment 2 (Realtor) = $1450 per month; Apartment 3 (Property Maintenance Man) = $1,000 per month (reduced because he takes care of the lawn and pool - you could charge $1450); Apartment 4 (Josh) = $1450 per month; Total income = $7100 per month or $85,200 per year. New custom landscaping and pool to relax and enjoy. Beautiful decking, shared dock with fish cleaning station. Location is easy to access to newly renovated downtown entertainment with shopping, dining, concerts and ongoing festivities.", "image": [ "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3877556418r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3279420809r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3522941069r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f1732073916r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3197454556r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3041281989r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f1906879145r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f2029478852r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f890465432r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f990262635r.jpg", "http://lh.rdcpix.com/df1bda07c7f14d501651a7cca37b5268l-f3452237013r.jpg", 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