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About This Home

This 2-bedroom, 2-bathroom multi-family at 644 16TH STREET in Panama City Beach, FL is listed for $249,900 ($290 per sqft). Built in 1984, the home offers 863 sqft of living space on a 0.17 acres lot.

Agent Description

Discover peaceful coastal living in the highly sought-after Laguna Beach / West End area of Panama City Beach! This charming 2-bedroom, 2-bathroom half-duplex home offers the perfect blend of relaxed residential charm and smart investment potential. Situated on a quiet residential street on a corner lot with a no-outlet cul-de-sac, traffic stays to a minimum. No HOA or CDD! No flood insurance required (Zone X).

Just under 1 mile to public beach access, you’re only minutes from sugar-white sands and emerald Gulf waters—without the crowds, traffic, or tourist hustle of central PCB. Enjoy nearby hiking trails at Camp Helen State Park (5 miles). Grocery options are very convenient: Carousel Supermarket and Publix are both under 3 miles away, with additional shopping and dining just 6 miles east at Pier Park or Rosemary Beach / Seacrest a short drive further west. For the boaters, public boat ramps at Lake Powell Park or B.V. Buchanan Park are both under 15 minutes away.

Perfect for first-time buyers seeking an affordable entry into beach-area living, VA military and veterans (convenient to Tyndall AFB and the VA West End Clinic), investors looking for a turnkey short- or long-term rental property, or those just wanting a quiet, low-maintenance retreat away from high-traffic zones.

For investors or those seeking an income-producing second home, this property has a proven 5-year track record as a successful short-term rental, delivering excellent income potential.

Additional features include an oversized double-driveway with plenty of room for an RV or 30' boat/trailer, plus a spacious fenced-in yard perfect for your pets, complete with a workshop and additional shed!

Turnkey opportunity in one of Panama City Beach’s most desirable and peaceful West End pockets—where authentic beach lifestyle meets smart ownership!

Key Features

  • Built in 1984
  • 0.17 acre lot

Property Details

2 full
1984

Amenities

HardwoodRV Parking

Monthly Cost Estimate

$1,337/mo

20% down · 6.5% · 30 years

Principal$181
Interest$1,083
Insurance$73

Estimates only. Actual payments may vary.

Location

644 16TH STREET

Panama City Beach, FL 32413

WHITE SANDS ESTATES

Features & Amenities

Interior Features

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorThermostatWalk-in Closet(s)

Exterior Features

Corner LotPavedFencingPrivate YardSliding Doors

Property Details

Flooring

Hardwood

Construction

FrameStucco

Parking

BoatDrivewayGuestOff StreetOversizedRV

Heating

CentralHeat Pump (Heating)

Cooling

Central Air

Appliances

DishwasherDryerMicrowaveRangeRefrigeratorWasher

Questions & Answers

This 2-bedroom, 2-bathroom multi-family at 644 16TH STREET is listed at $249,900 ($290/sqft). The estimated monthly payment is $1,083 based on 20% down at 6.5% interest.

Key features include: Built in 1984, 0.17 acre lot. Interior Features: Ceiling Fans(s), Eat-in Kitchen, High Ceilings. Exterior Features: Corner Lot, Paved, Fencing.

This property is listed by Sean Rooney and can be reached at 4074761559 or rooneyrealtyorlando@gmail.com.

SR

Sean Rooney

Agent at LPT REALTY, LLC

(407) 476-1559

Listed by LPT REALTY, LLC · View on Broker Site

MLS# O6398252· Source: listhub· Updated 48 days ago

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

644 16TH STREET, Panama City Beach, FL 32413

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