101 SAND OAK BOULEVARD, PANAMA CITY BEACH, FL, 32413
Active35 days on marketListed Jul 7, 2026MLS #O6416314
About this home
101 SAND OAK BOULEVARD
Whisper Dunes Phase 1-A Lot 1 ORB Immaculate Townhome in Whisper Dunes was once the Model Home for the community so it has many add ons and features most townhomes don't have ! This 3 bedroom 2 1/2 bath corner unit has tons of natural light; open living floor plan; tile flooring downstairs; upgraded wood cabinets; Built in surround sound & even a Two car tiled garage floor! Upon entering the home you are greeted with a large dining area, comfortable living room, 1/2 Bath and Beautiful Kitchen that includes Stainless Steel Appliances. The upstairs Loft area has Bamboo floors and extra cabinets built in for storage. The Master Bedroom has a Huge walk in closet,Full Soaking Tub & separate shower in the Master Bath. The Backyard is very peaceful with a Stone HardScape Feature & Seating Area. Also Note; Roof; HVAC; Hot Water Heater/with Booster; ALL NEW WITHIN LAST FEW MONTHS !
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,898
Sqft
0.13 ac
Lot size
2
Garage
2008
Year built
Two
Levels
$211
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 and the real association fee — not generic estimates.
$3,212 /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
$3,212/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 Whisper Dunes
Get to know Panama City Beach. See the full Panama City Beach guide →
Whisper Dunes — neighborhood snapshot
Population
349
Median age
54
Median income
$64,384
Median home value
$423,500
Avg household
2
Households w/ children
8%
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 23% above 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 101 SAND OAK BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 101 SAND OAK BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
101 SAND OAK BOULEVARD FAQs
What would the monthly payment be for 101 SAND OAK BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,212/mo — principal and interest, the actual property-tax bill, the $277/mo association fee 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.
How much are the HOA fees at 101 SAND OAK BOULEVARD?+
The association fee works out to $277 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 101 SAND OAK BOULEVARD?+
The most recent tax bill on record (2025) was $2,924. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 101 SAND OAK BOULEVARD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Panama City Beach?+
At $399,900, this home is listed about 13% above 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 101 SAND OAK BOULEVARD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of HOUWZER INC · Daniel Robinson. MLS #O6416314.
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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