112 BETH STREET, PANAMA CITY BEACH, FL, 32407
Active149 days on marketListed Mar 12, 2026MLS #TB8484103
About this home
112 BETH STREET
Price Improvement! Build your dream home near the beach! This cleared residential lot in Panama City Beach offers a fantastic opportunity to own land just minutes from the beautiful beaches and emerald waters of the Gulf Coast. The property is cleared and ready to build, saving you time and development costs. Utilities are already available nearby, making it even easier to start construction on your primary residence, vacation home or Long term investment rental. One of the biggest advantages of this lot is NO HOA, giving you flexibility in designing and building your ideal coastal home without restrictive association fees or rules. Conveniently located close to local attractions, shopping, dining, and entertainment, including the popular Pier Park, as well as outdoor recreation areas like St. Andrews State Park. Residents and visitors enjoy easy access to boating, fishing, water sports, parks, and the stunning Gulf beaches. Whether you're looking to build a permanent residence, vacation getaway, or investment property, this lot offers a great opportunity to enjoy the laid-back coastal lifestyle that makes Panama City Beach one of Florida’s most desirable destinations. Don’t miss your chance to secure a buildable lot in this growing beach community!
Facts & features
The home at a glance
0.24 ac
Lot size
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.
$1,504 /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
$1,504/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 Panama City Beach
Get to know Panama City Beach. See the full Panama City Beach guide →
PANAMA CITY BEACH 32407 — neighborhood snapshot
Population
15,459
Median age
38.7
Median income
$79,052
Median home value
$403,500
Avg household
2.32
Households w/ children
1,853
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 35% below the PANAMA CITY BEACH 32407 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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 112 BETH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 112 BETH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
112 BETH STREET FAQs
What would the monthly payment be for 112 BETH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,504/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 112 BETH STREET?+
The most recent tax bill on record (2025) was $937. 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 $200,000, this home is listed about 43% 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 112 BETH STREET?+
Breakfast Point Academy (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 32407 market on paper
$200,000 is 35% below the PANAMA CITY BEACH 32407 median of $309,905.
02Time on market is leverage
149 days on market against a Panama City Beach median of 15 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $250,000, now $200,000 — a $50K cut. The full history is in the market section below.
Listing courtesy of NOVA REAL ESTATE GROUP · Stephanie Mitchell. MLS #TB8484103.
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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