# 4305 Bay Point Road #446, Panama City Beach, FL 32408

> **TL;DR:** 2bd/3ba condo, $264,000 ($186/sqft), built 1980, 1,420 sqft.
> A/C. Est. $3,780/mo. Listed 221 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $264,000 |
| Price/sqft | $186 |
| Bedrooms | 2 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 1,420 |
| Year Built | 1980 |
| Stories | 2 |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 221 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,335 |
| Estimated Insurance | $77 |
| HOA | $2,368 |
| **Total** | **$3,780** |

## Nearby Schools

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

## Key Amenities

- A/C

## Property Highlights

- Built in 1980
- 2 stories

## Description

### Agent Description
Get ready to fall in love with this stunning move-in ready townhouse in Bay Point Golf Villas II! This charming home boasts 2 spacious bedrooms and 2.5 bathrooms, perfectly suited for a life of comfort just minutes away from the beach. Step inside to discover a bright and airy living room that flows effortlessly into the updated kitchen and dining area, making it ideal for entertaining. The first floor also features a convenient utility room and a large screened-in sunroom, perfect for enjoying those lovely Florida evenings. Outside, you'll find a generous deck, perfect for relaxing with a good book or hosting friends and family gatherings. Venture upstairs to find two inviting bedrooms, both with access to a lovely balcony, offering a peaceful retreat. Plus, the upstairs hall features a walk-in closet area for all your storage needs! Safety and comfort are prioritized with hurricane sliding doors in both the dining and living rooms. Recent upgrades include a new A/C unit (2021), a hot water heater, and a fresh coat of interior paint, ensuring you can move in with peace of mind. The COA fee takes care of building insurance, fire, wind, and flood coverage, along with reserves for exterior windows and doors, painting, roof replacement, and exterior repairs and maintenance. Additionally, the Bay Point HOA fee is $1,650 per year. Don't miss out on this incredible opportunity to live in paradise!

## Location

- **Address:** 4305 Bay Point Road #446, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** Bay Point Golf Villas II
- **Coordinates:** 30.151715, -85.729178
- **Google Maps:** https://www.google.com/maps?q=30.151715,-85.729178

## Listing Agent

- **Name:** Angie D Carmichael
- **Brokerage:** Dalton Wade
- **Broker Phone:** (727) 888-4175
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4305-Bay-Point-Rd-Unit-446_Panama-City_FL_32408_M66807-89208?f=listhub&s=BCARFL&m=787464&c=propsimple)

## Photos

![4305 Bay Point Road #446 - Photo 1](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1681563716r.jpg)

![4305 Bay Point Road #446 - Photo 2](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1946347607r.jpg)

![4305 Bay Point Road #446 - Photo 3](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2878074967r.jpg)

![4305 Bay Point Road #446 - Photo 4](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1033466820r.jpg)

![4305 Bay Point Road #446 - Photo 5](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f392450052r.jpg)

![4305 Bay Point Road #446 - Photo 6](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4114734753r.jpg)

![4305 Bay Point Road #446 - Photo 7](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f405469300r.jpg)

![4305 Bay Point Road #446 - Photo 8](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2885022802r.jpg)

![4305 Bay Point Road #446 - Photo 9](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4081479472r.jpg)

![4305 Bay Point Road #446 - Photo 10](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2909437203r.jpg)

![4305 Bay Point Road #446 - Photo 11](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2241686528r.jpg)

![4305 Bay Point Road #446 - Photo 12](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1775062331r.jpg)

![4305 Bay Point Road #446 - Photo 13](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f882391644r.jpg)

![4305 Bay Point Road #446 - Photo 14](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4193364786r.jpg)

![4305 Bay Point Road #446 - Photo 15](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1921385946r.jpg)

![4305 Bay Point Road #446 - Photo 16](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f214462207r.jpg)

![4305 Bay Point Road #446 - Photo 17](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3661887761r.jpg)

![4305 Bay Point Road #446 - Photo 18](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1822229223r.jpg)

![4305 Bay Point Road #446 - Photo 19](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1313913826r.jpg)

![4305 Bay Point Road #446 - Photo 20](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1108228884r.jpg)

![4305 Bay Point Road #446 - Photo 21](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3389400290r.jpg)

![4305 Bay Point Road #446 - Photo 22](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f590245778r.jpg)

![4305 Bay Point Road #446 - Photo 23](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f71815728r.jpg)

![4305 Bay Point Road #446 - Photo 24](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f697104586r.jpg)

![4305 Bay Point Road #446 - Photo 25](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1642439194r.jpg)

![4305 Bay Point Road #446 - Photo 26](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2694671240r.jpg)

![4305 Bay Point Road #446 - Photo 27](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f346127475r.jpg)

![4305 Bay Point Road #446 - Photo 28](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4184368485r.jpg)

![4305 Bay Point Road #446 - Photo 29](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f36617959r.jpg)

![4305 Bay Point Road #446 - Photo 30](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1150331969r.jpg)

![4305 Bay Point Road #446 - Photo 31](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3076652003r.jpg)

![4305 Bay Point Road #446 - Photo 32](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1849413958r.jpg)

![4305 Bay Point Road #446 - Photo 33](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3833548854r.jpg)

![4305 Bay Point Road #446 - Photo 34](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2610954170r.jpg)

![4305 Bay Point Road #446 - Photo 35](http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2463616777r.jpg)

---

**MLS#:** 787464 | **Updated:** 2026-10-31
**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.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9)

---

## Structured Data

```json
{
  "@context": "https://schema.org",
  "@type": "RealEstateListing",
  "@id": "https://www.propertysimple.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9#listing",
  "url": "https://www.propertysimple.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9",
  "name": "4305 Bay Point Road #446, Panama City Beach, FL 32408",
  "description": "Get ready to fall in love with this stunning move-in ready townhouse in Bay Point Golf Villas II! This charming home boasts 2 spacious bedrooms and 2.5 bathrooms, perfectly suited for a life of comfort just minutes away from the beach. Step inside to discover a bright and airy living room that flows effortlessly into the updated kitchen and dining area, making it ideal for entertaining. The first floor also features a convenient utility room and a large screened-in sunroom, perfect for enjoying those lovely Florida evenings. Outside, you'll find a generous deck, perfect for relaxing with a good book or hosting friends and family gatherings. Venture upstairs to find two inviting bedrooms, both with access to a lovely balcony, offering a peaceful retreat. Plus, the upstairs hall features a walk-in closet area for all your storage needs! Safety and comfort are prioritized with hurricane sliding doors in both the dining and living rooms. Recent upgrades include a new A/C unit (2021), a hot water heater, and a fresh coat of interior paint, ensuring you can move in with peace of mind. The COA fee takes care of building insurance, fire, wind, and flood coverage, along with reserves for exterior windows and doors, painting, roof replacement, and exterior repairs and maintenance. Additionally, the Bay Point HOA fee is $1,650 per year. Don't miss out on this incredible opportunity to live in paradise!",
  "image": [
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1681563716r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1946347607r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2878074967r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1033466820r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f392450052r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4114734753r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f405469300r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2885022802r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4081479472r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2909437203r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2241686528r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1775062331r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f882391644r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4193364786r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1921385946r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f214462207r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3661887761r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1822229223r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1313913826r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1108228884r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3389400290r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f590245778r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f71815728r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f697104586r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1642439194r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2694671240r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f346127475r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4184368485r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f36617959r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1150331969r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3076652003r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1849413958r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3833548854r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2610954170r.jpg",
    "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2463616777r.jpg"
  ],
  "primaryImageOfPage": {
    "@type": "ImageObject",
    "url": "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1681563716r.jpg",
    "caption": "4305 Bay Point Road #446 - Panama City Beach, FL"
  },
  "datePosted": "2026-03-27",
  "dateModified": "2026-10-31T13:21:44.492Z",
  "mainEntity": {
    "@type": "Accommodation",
    "@id": "https://www.propertysimple.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9#property",
    "name": "4305 Bay Point Road #446, Panama City Beach, FL 32408",
    "address": {
      "@type": "PostalAddress",
      "streetAddress": "4305 Bay Point Road #446",
      "addressLocality": "Panama City Beach",
      "addressRegion": "FL",
      "postalCode": "32408",
      "addressCountry": "US"
    },
    "geo": {
      "@type": "GeoCoordinates",
      "latitude": 30.151715,
      "longitude": -85.729178
    },
    "image": [
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1681563716r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1946347607r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2878074967r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1033466820r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f392450052r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4114734753r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f405469300r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2885022802r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4081479472r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2909437203r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2241686528r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1775062331r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f882391644r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4193364786r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1921385946r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f214462207r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3661887761r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1822229223r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1313913826r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1108228884r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3389400290r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f590245778r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f71815728r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f697104586r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1642439194r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2694671240r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f346127475r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f4184368485r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f36617959r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1150331969r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3076652003r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f1849413958r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f3833548854r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2610954170r.jpg",
      "http://lh.rdcpix.com/14a2acb2d05694b20dbb262653d0e196l-f2463616777r.jpg"
    ],
    "identifier": {
      "@type": "PropertyValue",
      "propertyID": "MLS",
      "value": "787464"
    },
    "accommodationCategory": "Condominium",
    "numberOfBedrooms": 2,
    "numberOfBathroomsTotal": 3,
    "numberOfFullBathrooms": 2,
    "numberOfPartialBathrooms": 1,
    "floorSize": {
      "@type": "QuantitativeValue",
      "value": 1420,
      "unitCode": "FTK",
      "unitText": "square feet"
    },
    "yearBuilt": 1980,
    "amenityFeature": [
      {
        "@type": "LocationFeatureSpecification",
        "name": "Heating",
        "value": "Central, Electric (Heating)"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Cooling",
        "value": "Central Air"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Appliances",
        "value": "ElectricCooktop, ElectricOven, ElectricWaterHeater"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Construction Materials",
        "value": "Stucco,  WoodSiding"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Pool Features",
        "value": "Patio, Deck"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Parking Features",
        "value": "Parking Lot, Garage"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Air Conditioning",
        "value": true
      }
    ],
    "additionalProperty": [
      {
        "@type": "PropertyValue",
        "name": "Stories",
        "value": 2
      },
      {
        "@type": "PropertyValue",
        "name": "Unit Number",
        "value": "446"
      },
      {
        "@type": "PropertyValue",
        "name": "Property Subtype",
        "value": "Condominium"
      }
    ]
  },
  "offers": {
    "@type": "Offer",
    "@id": "https://www.propertysimple.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9#offer",
    "url": "https://www.propertysimple.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9",
    "price": 264000,
    "priceCurrency": "USD",
    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/InStock",
    "seller": {
      "@id": "https://www.propertysimple.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9#agent"
    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://www.propertysimple.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9#agent",
    "name": "Angie D Carmichael",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://www.propertysimple.ai/listing/4305-bay-point-road-panama-city-beach-fl-32408-d0ae59c200854184bb480ef9768edaa9#brokerage",
      "name": "Dalton Wade",
      "telephone": "(727) 888-4175"
    }
  }
}
```