Active

3104 W 16th Street

Panama City, FL 32401
Mark as Favorite
Bed 3

Bed

Bath 2

Bath

Acres0.14

Acre(Lot)

Your own dock on Lake Huntington, a finished and climate-controlled outbuilding, and Historic St. Andrews less than a mile away: this 1941 cottage offers a combination that is hard to find in this part of Panama City. The home sits on the north side of 16th Street, and the sale includes the separate deeded waterfront lot and private dock directly across the street, so the screened front porch looks out toward the lake and your dock. Lake Huntington opens to St. Andrews Bay beneath the 15th Street bridge, and from the bay it is open water through St. Andrews Pass to Shell Island and the Gulf of Mexico (buyer to verify clearance and depth for their vessel). The public launch ramp at St. Andrews Marina is about a mile away. Inside, three bedrooms and two full baths sit on one level, with t he arched doorways and hardwood floors of a classic 1940s cottage, tile in the kitchen and dining room, plantation shutters, ceiling fans, and a primary bath with a tiled walk-in shower. The white kitchen opens to the dining room through a wide arch and includes a dishwasher and electric range. The updates here are tasteful rather than flashy, and the sellers went a step further than most by extensively encapsulating the crawl space, which means less moisture under the house and peace of mind for years to come. Behind the house, the detached building is finished, heated, and cooled, so it works as a year-round office, studio, or workshop rather than a hot storage shed. A long paved driveway leaves room for a boat and trailer, the yard is fully fenced, and there is no HOA. The restaurants, bars, marina, and shops along Beck Avenue in Historic St. Andrews are a three-minute drive or a 15-minute walk. Naval Support Activity Panama City is about 10 minutes away, and the Hathaway Bridge to Panama City Beach is under 10 minutes. Metal roof, central heat and air, city water and sewer. Sold as is, and the sellers will entertain owner-financing offers. Two parcels convey together: 29140-000-000 (home) and 29142-020-000 (dock).

Read More Expand
Tour with a ByOwner Agent

Detail Ic Property Details

Property Type : Residential

Price : $349,000

AD Id : 91370216

MLS Id : 795646

Beds : 3

Lot Size : 0.14 Acre

Tax Amount : $5,297.46

Year Built : 1941

County : Bay

  • Map Map

Map

Map What's Nearby

Map Nearby Areas

Feature Features

  • Bedroom Information

    Total beds: 3

    Bathroom Information

    Total Baths: 2 Full Baths: 2

    Room Information

    Rooms Total: 3

    Roofing Information

    Metal
  • Interior Features

    ShowerOnly
    Roof: Metal
    Appliances: ElectricRange, ElectricWaterHeater
  • Heating & Cooling

    Has Heating: Yes Heating: Central, Electric Has Cooling: Yes Cooling: CentralAir, CeilingFans Water front: 1

  • Building Information

    Year Built: 1941
    Building Area Total: 1273
    Patio And Porch Features: Covered, Porch, Screened
    Private Pool: No
    Water front Features: Bayfront,Lake,LakeFront
    View: Bay, Lake
  • Exterior Features

    Exterior Features: Dock, Porch

  • Lot Information

    Lot Dimensions: 56.0 ft x 107.0 ft Main Square Feet: 0.14 Lot Size Acres: 0.14 Lot Size Square Feet: 5,663

    Property Information

    Subdivision: Lakeside Plat Source Property Type: Residential MLS Area Minor: 0203 - Bay - Central SW Zoning Description: Resid Single Family Property SubType: Single Family Residence Property Age: 85

  • Listing Price Information

    Listing Price: $349000

  • Tax Information

    Parcel Number: 29140-000-000 Tax Year: 2025 Annual Tax: $5297.46 Tax Legal Desc: LAKESIDE PLAT 48A LOT 8 BLK 19 ORB 4592 P 1414 MAP 79D3

  • School Information

    Elementary School: Lucille Moore Junior High School: Jinks Senior High School: Bay
  • Utility Information

    ElectricityAvailable
  • Location Information

    Direction: From the Hathaway Bridge: Head east on US-98 E (2.5 mi). Turn right onto W 17th St (49 ft). Turn left onto Bayview Ave (404 ft). Turn right onto W 16th St. Destination will be on the right
Sell a home like this and save $20,441 Find out How

How much is this property worth?

Curious about this home's true market value? Use our free Home Evaluation Tool to instantly get a personalized Comparative Market Analysis (CMA) report. Make smarter, data-driven decisions before you buy.

Images
Loading, please wait...

Nearby Home Value

Address Estimate Bed Bath Sq. Ft Lot Size
150 Bayou Avenue, Panama City, FL, 32401 $292,500 3 2 -- 0.20 Acre
1136 Transmitter Road, Panama City, FL, 32401 $199,000 3 1 -- 0.20 Acre
315 Bayou Avenue, Panama City, FL, 32401 $179,900 3 2 -- 0.14 Acre
320 Detroit Avenue, Panama City, FL, 32401 $269,900 3 2 -- 0.12 Acre
322 Detroit Avenue, Panama City, FL, 32401 $269,900 3 2 -- 0.20 Acre
726 Detroit Avenue, Panama City, FL, 32401 $599,000 9 6 -- --
151 Harlem Avenue, Panama City, FL, 32401 $225,000 3 2 -- 0.17 Acre
208 Claire Avenue, Panama City, FL, 32401 $199,000 2 1 -- 0.08 Acre
511 Harlem Avenue, Panama City, FL, 32401 $99,900 2 1 -- 0.31 Acre
217 Claire Avenue, Panama City, FL, 32401 $250,000 3 2 -- 0.59 Acre

The information being provided by Miami Association of REALTORS® is for the consumer's personal, non-commercial use. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Miami Association of REALTORS®. The accuracy of all information is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Miami Association of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Copyright 2026 Miami Association of REALTORS®. All rights reserved.

ByOwner last updated this listing 09/21/2026 @ 00:46

MLS: 795646 LISTED BY: Chris Allen, Real Broker LLC 855-450-0442 SOURCE: CPAR

Homes around $349,000

Selling? Save $20,441 when you sell a home like this

Tour with a ByOwner Agent