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357 Emerald Cove Street

Panama City Beach, FL 32407
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Bed 4

Bed

Bath 4

Bath

Acres0.13

Acre(Lot)

4BR/3.5BA Azalea floor plan in Emerald Cove Villas. Assumable 2.5% VA loan and paid-off solar panels. Built 2020. Over $58K Seller Upgrades! ASSUMABLE 2.5% VA LOAN AVAILABLE FOR QUALIFIED BUYERS PLUS FULLY PAID SOLAR PANELS CONVEY AT CLOSING. Welcome to 357 Emerald Cove Street, where modern coastal living meets exceptional value in one of Panama City Beach's most desirable newer communities. Situated on a premium lot in Emerald Cove Villas, this 4-bedroom, 3.5-bathroom Azalea floor plan offers approximately 2,470 square feet of thoughtfully designed living space. One of the home's most compelling advantages is the opportunity for qualified buyers to assume the existing VA loan with a 2.5% interest rate. In today's market, opportunities like this are increasingly rare. Adding even more value, fully paid-off solar panels to convey at closing, allowing the next owner to enjoy the benefits of energy-efficient living with fully-owned solar panels from day one. Designed for both everyday functionality and entertaining, the highly sought-after Azalea floor plan features a first-floor primary suite, providing privacy and convenience rarely found at this price point. The open-concept kitchen includes a center island, pantry, recessed lighting, an updated backsplash, and a newer refrigerator and flows seamlessly into the dining and living spaces. Upstairs, three additional bedrooms are complemented by a spacious bonus living area that can easily serve as a media room, home offic fitness space, or second gathering area. Move-in-ready improvements continue throughout the property. Upgraded interior paint, a security system, garage shelving, additional outdoor storage, and an outdoor shower enhance everyday living. Outside, professionally enhanced landscaping/hardscaping creates a welcoming backyard retreat complete with fruit trees including peach, lemon, and orange varieties. Stone accents, paver details, covered porches, and a fully fenced backyard with fruit trees backing up to preserve add both beauty and practicality. Emerald Cove Villas has become a favorite among buyers seeking newer construction with convenient access to everything Panama City Beach has to offer. Located conveniently just north of the Hathaway Bridge, residents enjoy a community dog park, sidewalks, and street lighting, all with low HOA fees and a prime location just minutes from retail, dining, recreation, NSA Panama City, St Andrews Bay Marinas, the Panama City Beach Sports Complex, and the Gulf's sugar-white beaches and. The location also provides convenient access to NSA Panama City and Tyndall Air Force Base. Offered at $455,000, this home delivers a combination of features that is increasingly difficult to find: newer construction, a flexible floor plan, fully-owned solar panels providing very low utility bill, a premium preserve-view lot, and the potential advantage of an assumable 2.5% VA loan for qualified buyers. If you've been waiting for a large 4 BR Panama City Beach home that offers a great location, gorgeous curb appeal and style, thoughtful upgrades and energy efficiencies, 357 Emerald Cove Street deserves your attention. Schedule your private showing and experience firsthand why this home stands apart from the competition. Catch it while you can!

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Detail Ic Property Details

Property Type : Residential

Price : $455,000

AD Id : 87403583

MLS Id : 792063

Beds : 4

Lot Size : 0.13 Acre

Year Built : 2020

Garage : 2

County : Bay

Subdivision: Singer Island

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Map

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Feature Features

  • Bedroom Information

    Total beds: 4

    Bathroom Information

    Total Baths: 4 Full Baths: 3 Half Baths: 1

    Room Information

    Rooms Total: 5

    Roofing Information

    Shingle
  • Interior Features

    MainLevelPrimary
    Roof: Shingle

  • Building Information

    Year Built: 2020
    Building Area Total: 2470
    Construction Materials: HardiplankType, VinylSiding
    Stories: 2
    Private Pool: No

  • Lot Information

    Lot Dimensions: 50.0 ft x 100.0 ft Main Square Feet: 0.13 Lot Size Acres: 0.13 Lot Size Square Feet: 5,663

    Property Information

    Subdivision: Emerald Cove Villas Source Property Type: Residential MLS Area Minor: 0321 - Beach - North Central Property SubType: Single Family Residence Levels: Two Property Age: 6

  • Listing Price Information

    Listing Price: $455000

  • Tax Information

    Parcel Number: 27541-500-116 Tax Year: 2025 Annual Tax: $4722.21 Tax Legal Desc: EMERALD COVE VILLAS LOT 58 ORB 4357 P 1091

  • Garage Information

    Has Garage: Yes Garage Space: 2

    Homeowners Association Information

    Has Association: Yes
    Community Features: ShortTermRentalAllowed

  • School Information

    Elementary School: Breakfast Point Junior High School: Breakfast Point Senior High School: Arnold
  • Utility Information

    CableConnected, ElectricityAvailable, UndergroundUtilities
  • Location Information

    Direction: Heading West on Hwy 98 over the Hathaway Bridge turn right on Wildwood Road. Go to Emerald Cove and turn left. Traveling East on Hwy 98 take the Thomas Drive/ Navy Base exit. Turn left at light and then stay to right. Do not go over the bridge. At next Traffic light turn left onto Wildwood Rd. Emerald Cove is on the left.
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ByOwner last updated this listing 07/03/2026 @ 01:47

MLS: 792063 LISTED BY: Candi Miles, Compass Florida, LLC 850-296-9769 SOURCE: CPAR

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