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5106 Blue Harbor Drive

Panama City, FL 32404
  • $545,000
  • STATUS: Active
  • ON SITE: 28 Days
  • MLS #: 780556
$545,000
  • 3
    BEDS
  • 0.12
    ACRES
  • 2
    BATHS
  • 1
    1/2 BATHS
  • 2,108
    SQFT
  • $259
    $/SQFT
Neighborhood:
Type:
Single-Family Home
Built:
1999
County:
Bay

School Information

Elementary School:
Middle School:
High School:

Description

Gorgeous waterfront townhome with boat lift and brand-new jet ski lift! Don't miss this beautiful home just minutes from Tyndall Air Force Base and a quick 15-minute boat ride to Shell Island. The two story 3 bed, 2.5 bath townhome has amazing water views from the living room, kitchen, dining and bonus room. The house has been beautifully remodeled to include a new kitchen with Quartz countertops, new soft close cabinets with pull out shelves, tile backsplash, copper farmhouse sink, built in wine refrigerator, fingerprint resistant black stainless-steel appliances, gas stove and custom lighting. There are tile floors throughout the home. Highlights include a ventless gas fireplace, wood plantation shutters, thermal windows, 40-year metal roof, newer downstairs sliding door with built in blinds, new upstairs patio door, 2 new HVAC systems in 2018, new water heater in 2019, fully re-painted inside and out, Generac whole house gas generator, ADT security system and electric hurricane shutters. Downstairs is an open floor plan with lots of light coming into the living room/dining room/ kitchen area, a half bathroom, laundry closet and great storage under the stairs. Upstairs are two guest bedrooms with one having a bonus 10 x 12 area perfect for a reading nook, and an expansive master bedroom that has a 10 x 20 bonus room off of it perfect for a home office/flex room. The master bathroom has a soaking tub, two vanities and a walk-in shower. There are barn doors for the bonus room and master walk in closet. The outdoor spaces are the highlights of the house. The upstairs deck is a great place for evening cocktails, dolphin sightings and catching the gorgeous sunsets! The downstairs slip resistant textured deck is a great place to lounge in the two chair swings, cook out, sit at the bar that is the length of the deck and enjoy watching the boats going by. There is a shade to pull down during the heat of the day. The backyard is fenced in for pets with a double gate so the lawn maintenance crew can still get in to mow. There is a rack system to hold kayaks. The boat lift motor was replaced in 2019, and the jet ski lift was just recently replaced. The property line extends to the water and there is an area to put in kayaks, as well as a bridge to enter the water on foot. A key asset to the community is that there is a large HOA owned dock. The water is 8-9 feet so it can easily handle most boats. The dock was rebuilt in 2019 and has power, water, lights, ladders and a fish cleaning station. You can even jump into the water from the dock for a swim. The HOA fee is currently $215 per month and includes all lawn care for the home and common areas, trash pickup, sprinkler systems for the community, electric to the dock and the dock maintenance. The location is close to Pier 98 Marina to gas up the boat and get bait and Rodeo's Steakhouse restaurant is within walking distance. Many of the neighbors are military or retired. The property is in an AE Flood Zone so flood insurance is required. The seller has a survey and elevation certificate and currently pays $1,100/year for flood insurance while Homeowners is $3,755/year. There is guest parking at the entrance to the neighborhood and at the end of the complex. There are no restrictions on rentals so the property could be used for short term rental. Make your appointment to see this gorgeous, hidden gem today!

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© 2025 Central Panhandle Association of Realtors MLS. All rights reserved. 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. Information is deemed reliable but is not guaranteed accurate by the MLS or Blue Swell Realty. Data last updated: 2025-11-16T00:04:00.073.
www.blueswellrealty.com/homes/169020745
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5106 Blue Harbor Drive Panama City, FL 32404

  • Price: $545,000
  • Status: Active
  • On Site: 28 Days
  • MLS #: 780556
3
Beds
2
Baths
1
½ Baths
0.12
Acres
2,108
SQFT
$259
$/SQFT
1999
Built
Neighborhood:
[No Recorded Subdiv]
County:
Bay
Area:
Bay County-Central
Elementary School:
Tyndall
Middle School:
Rutherford Middle
High School:
Rutherford
Property Description
Gorgeous waterfront townhome with boat lift and brand-new jet ski lift! Don't miss this beautiful home just minutes from Tyndall Air Force Base and a quick 15-minute boat ride to Shell Island. The two story 3 bed, 2.5 bath townhome has amazing water views from the living room, kitchen, dining and bonus room. The house has been beautifully remodeled to include a new kitchen with Quartz countertops, new soft close cabinets with pull out shelves, tile backsplash, copper farmhouse sink, built in wine refrigerator, fingerprint resistant black stainless-steel appliances, gas stove and custom lighting. There are tile floors throughout the home. Highlights include a ventless gas fireplace, wood plantation shutters, thermal windows, 40-year metal roof, newer downstairs sliding door with built in blinds, new upstairs patio door, 2 new HVAC systems in 2018, new water heater in 2019, fully re-painted inside and out, Generac whole house gas generator, ADT security system and electric hurricane shutters. Downstairs is an open floor plan with lots of light coming into the living room/dining room/ kitchen area, a half bathroom, laundry closet and great storage under the stairs. Upstairs are two guest bedrooms with one having a bonus 10 x 12 area perfect for a reading nook, and an expansive master bedroom that has a 10 x 20 bonus room off of it perfect for a home office/flex room. The master bathroom has a soaking tub, two vanities and a walk-in shower. There are barn doors for the bonus room and master walk in closet. The outdoor spaces are the highlights of the house. The upstairs deck is a great place for evening cocktails, dolphin sightings and catching the gorgeous sunsets! The downstairs slip resistant textured deck is a great place to lounge in the two chair swings, cook out, sit at the bar that is the length of the deck and enjoy watching the boats going by. There is a shade to pull down during the heat of the day. The backyard is fenced in for pets with a double gate so the lawn maintenance crew can still get in to mow. There is a rack system to hold kayaks. The boat lift motor was replaced in 2019, and the jet ski lift was just recently replaced. The property line extends to the water and there is an area to put in kayaks, as well as a bridge to enter the water on foot. A key asset to the community is that there is a large HOA owned dock. The water is 8-9 feet so it can easily handle most boats. The dock was rebuilt in 2019 and has power, water, lights, ladders and a fish cleaning station. You can even jump into the water from the dock for a swim. The HOA fee is currently $215 per month and includes all lawn care for the home and common areas, trash pickup, sprinkler systems for the community, electric to the dock and the dock maintenance. The location is close to Pier 98 Marina to gas up the boat and get bait and Rodeo's Steakhouse restaurant is within walking distance. Many of the neighbors are military or retired. The property is in an AE Flood Zone so flood insurance is required. The seller has a survey and elevation certificate and currently pays $1,100/year for flood insurance while Homeowners is $3,755/year. There is guest parking at the entrance to the neighborhood and at the end of the complex. There are no restrictions on rentals so the property could be used for short term rental. Make your appointment to see this gorgeous, hidden gem today!
Exterior Features

Architectural Style Contemporary Attached Garage YN Yes Construction Materials Stucco Exterior Features Boat Lift Boat Slip Covered Patio Deck Dock Sprinkler / Irrigation Fencing Fenced Garage YN Yes Lot Features Sprinkler System Paved Patio And Porch Features Deck Road Frontage Type Private Road Road Surface Type Paved View Bay Bayou View YN Yes

Interior Features

Appliances Dishwasher Microwave Refrigerator Wine Refrigerator Cooling Central Air Ceiling Fan(s) Cooling YN Yes Fireplace Features Gas Fireplace YN Yes Flooring Tile Heating Central Electric Fireplace(s) Heating YN Yes Interior Features Fireplace Kitchen Island Shutters Window Treatments Parking Features Additional Parking Attached Garage Rooms Full Bath (Second Level) Primary Bathroom (Second Level) Bonus Room (Second Level) Primary Bedroom (First Level) Bedroom (Second Level) Bedroom (Second Level) Dining Room (First Level) Kitchen (First Level) Living Room (First Level) Units Furnished None Window Features Double Pane Windows Plantation Shutters

Property Features

Association Amenities Dock Boat Slip Association Fee Frequency Monthly Association Fee Includes Legal / Accounting Maintenance Grounds Trash Association YN Yes Buyer Financing Conventional Community Features Dock Short Term Rental Allowed Documents Available Survey Listing Service Full Service Listing Terms Cash FHA VA Loan Lot Size Dimensions 0x0 New Construction YN No Occupant Type Occupied Property Sub Type Attached Property Sub Type Additional Attached Security Features Security System Sewer Public Sewer Special Listing Conditions Listed As- Is Tax Annual Amount 5476 Tax Year 2024 Waterfront Features Bay Access Bayou Shoreline - Natural Waterfront YN Yes Zoning Description Resid Multi- Family

Central Panhandle Association of REALTORS (Panama City MLS) logo Listing provided courtesy of Keller Williams Success Realty: 850-249-0313. Listing information © 2025 Central Panhandle Association of Realtors MLS.


© 2025 Central Panhandle Association of Realtors MLS. All rights reserved. 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. Information is deemed reliable but is not guaranteed accurate by the MLS or Blue Swell Realty. Data last updated: 2025-11-16T00:04:00.073.
 
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