644 16TH STREET, PANAMA CITY BEACH, FL, 32413
Pending121 days on marketListed Apr 14, 2026MLS #O6398252
About this home
644 16TH STREET
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!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
863
Sqft
0.17 ac
Lot size
1984
Year built
One
Levels
$255
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,677 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,677/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside White Sands Estates
Get to know Panama City Beach. See the full Panama City Beach guide →
White Sands Estates — neighborhood snapshot
Population
86
Median age
54
Median income
$64,384
Median home value
$423,500
Avg household
2
Households w/ children
2%
For the school run
Bay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Panama City Beach market
$102K → $397K
Panama City Beach median sold, yr/yr
99.9%
Sale-to-list ratio (12 mo)
Median sold price, Panama City Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% below the PANAMA CITY BEACH 32413 median. See the full Panama City Beach market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 644 16TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 644 16TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
644 16TH STREET FAQs
What would the monthly payment be for 644 16TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,677/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 644 16TH STREET?+
The most recent tax bill on record (2025) was $1,503. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Panama City Beach?+
At $219,900, this home is listed about 38% below the Panama City Beach median of $353,500. The market section on this page shows how the area is trending.
Which schools are assigned to 644 16TH STREET?+
West Bay Elementary School (elementary), J.R. Arnold High School (high) — Bay County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PANAMA CITY BEACH 32413 market on paper
$219,900 is 32% below the PANAMA CITY BEACH 32413 median of $324,500, and at $255/sqft it sits under the Panama City Beach average of $277.
02Time on market is leverage
121 days on market against a Panama City Beach median of 17 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $275,000, now $219,900 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Sean Rooney. MLS #O6398252.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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