# 5220 Beach Drive, Panama City, FL 32408 > **TL;DR:** 4bd/2ba multi-family, $589,999 ($479/sqft), built 1972, 1,232 sqft. > A/C. Est. $3,155/mo. Listed 149 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $589,999 | | Price/sqft | $479 | | Bedrooms | 4 | | Bathrooms | 2 full | | Square Feet | 1,232 | | Year Built | 1972 | | Lot Size | 6,098 sqft (0.14 acres) | | Stories | 1 | | Property Type | Multi-Family (Duplex) | | Status | Active | | Days on Market | 149 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,983 | | Estimated Insurance | $172 | | **Total** | **$3,155** | ## Nearby Schools - **Elementary:** Patronis - **Middle:** Surfside - **High:** Arnold ## Key Amenities - A/C ## Property Highlights - Built in 1972 - 0.14 acre lot ## Description ### Agent Description Experience coastal living at its best with this beautifully maintained duplex just steps from Beach Access #5 and the stunning sugar-white shoreline along the Gulf. Offering a total of four bedrooms and two full baths, the property is configured as two private residences, each featuring two bedrooms and one bathroom, creating an excellent flexibility for personal use, vacation rentals, or long-term tenants. Perfect for those seeking an income-producing property or a beach getaway with added earning potential, this fully furnished duplex is move-in and rental ready from Day One. Outside, the enclosed backyard offers a private setting ideal for pets, entertaining, or unwinding after a day at the beach, while the outdoor fire pit creates a welcoming atmosphere for evening gatherings. Located in a highly sought-after beach community, this property presents an outstanding opportunity for investors and second-home buyers alike. Occupy one side while generating revenue from the other or maximize returns by leasing both units. Opportunities like this are rare in such a prime coastal location. All measurements, details, and information should be verified by buyer and/or buyer's representative. ## Location - **Address:** 5220 Beach Drive, Panama City, FL 32408 - **County:** Bay - **Neighborhood:** Biltmore Beach - **Coordinates:** 30.14339, -85.753705 - **Google Maps:** https://www.google.com/maps?q=30.14339,-85.753705 ## Listing Agent - **Name:** Scott Roberts · **License:** sl3417225 - **Brokerage:** The K Company Realty LLC dba LoKation® - **Broker Phone:** (954) 232-5785 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/5220-Beach-Dr_Panama-City-Beach_FL_32408_M61561-12193?f=listhub&s=BCARFL&m=790852&c=propsimple) ## Photos ![5220 Beach Drive - Photo 1](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f940927467r.jpg) ![5220 Beach Drive - Photo 2](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f1615512533r.jpg) ![5220 Beach Drive - Photo 3](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f2370198428r.jpg) ![5220 Beach Drive - Photo 4](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f1644452187r.jpg) ![5220 Beach Drive - Photo 5](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f2507157382r.jpg) ![5220 Beach Drive - Photo 6](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f2919125232r.jpg) ![5220 Beach Drive - Photo 7](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f1849348299r.jpg) ![5220 Beach Drive - Photo 8](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f4276061882r.jpg) ![5220 Beach Drive - Photo 9](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f1566739563r.jpg) ![5220 Beach Drive - Photo 10](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f226756791r.jpg) ![5220 Beach Drive - Photo 11](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f1846195921r.jpg) ![5220 Beach Drive - Photo 12](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f1902645921r.jpg) ![5220 Beach Drive - Photo 13](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f3188193208r.jpg) ![5220 Beach Drive - Photo 14](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f930623408r.jpg) ![5220 Beach Drive - Photo 15](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f436908150r.jpg) ![5220 Beach Drive - Photo 16](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f2969865118r.jpg) ![5220 Beach Drive - Photo 17](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f2636155087r.jpg) ![5220 Beach Drive - Photo 18](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f3240411131r.jpg) ![5220 Beach Drive - Photo 19](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f2116600380r.jpg) ![5220 Beach Drive - Photo 20](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f1522657547r.jpg) ![5220 Beach Drive - Photo 21](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f4280546313r.jpg) ![5220 Beach Drive - Photo 22](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f1812642093r.jpg) ![5220 Beach Drive - Photo 23](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f2176705330r.jpg) ![5220 Beach Drive - Photo 24](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f3143367707r.jpg) ![5220 Beach Drive - Photo 25](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f3905729749r.jpg) ![5220 Beach Drive - Photo 26](http://lh.rdcpix.com/04feea81a0376c2718f881e23cbe0f33l-f3138193236r.jpg) --- **MLS#:** 790852 | **Updated:** 2026-10-23 **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/5220-beach-drive-panama-city-fl-32408-672c70f252ae4a9e8f6d4c3f73eec8ef) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/5220-beach-drive-panama-city-fl-32408-672c70f252ae4a9e8f6d4c3f73eec8ef#listing", "url": "https://www.propertysimple.ai/listing/5220-beach-drive-panama-city-fl-32408-672c70f252ae4a9e8f6d4c3f73eec8ef", "name": "5220 Beach Drive, Panama City, FL 32408", "description": "Experience coastal living at its best with this beautifully maintained duplex just steps from Beach Access #5 and the stunning sugar-white shoreline along the Gulf. 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