Live the Gulf Life on Florida’s Emerald Coast

Contemporary

523 N Church Avenue

Panama City, FL 32401

MLS#: 795605

$279,900

Status: Active
Listing number: 795605
Listing provided by: eXp Realty LLC
Listing agent phone: None
Last update: 7 days ago
On site: a month ago
Browse Properties
Pinecrest Add. - Residential

Property

Beds

3

Full Baths

2

1/2 Baths

None

Year Built

2026

Sq.Footage

1,218

Welcome to 523 N Church Avenue, a brand-new, move-in-ready home offering modern style, smart design, and incredible value in Panama City, Florida. Featuring 3 bedrooms, 2 bathrooms, and 1,218 square feet of thoughtfully crafted living space, this new construction residence is perfect for first-time buyers, military families relocating to Tyndall Air Force Base, or anyone seeking an affordable, turn-key home. Special Financing Offer- WITH ACCEPTABLE OFFER!!! Take advantage of a seller-paid rate buydown through List & Lock™, offering rates as low as 5.99% (6.675% APR) as of 10/26/2026. Lower your monthly mortgage payment and save significantly over time. (Terms apply; see disclosures for details.) Key Features & Interior Highlights Open-Concept Living include high raised ceilings, recessed halo lighting, luxury vinyl plank (LVP) flooring, and stylish ceiling fans throughout. Modern Chef's Kitchen outfitted with premium granite countertops, a large center island with pendant lighting, chic backsplash, sleek black hardware/finishes, a dedicated pantry, and a full stainless steel appliance package (refrigerator, range/oven, microwave, dishwasher, and disposal). Primary Suite Retreat includes a spacious walk-in closet, oversized single vanity with ample cabinet storage, and a low-maintenance fiberglass walk-in shower. Guest Bedrooms & Bath host two generously sized guest bedrooms with large closets, sharing a full hall bathroom with an oversized vanity and a tub/shower combo. Outdoor Space: Enjoy a fully sodded and landscaped yard with an open rear patio--ideal for weekend grilling, outdoor dining, and entertaining. Prime Location in Panama City, FL Situated right off 11th Street, 15th Street, and Business Highway 98, this location provides unmatched everyday convenience: Minutes from Downtown Panama City with local dining, shopping, waterfront parks, and community events. Local Amenities: Quick access to grocery stores, schools, healthcare facilities, and the Emerald Coast beaches. Whether you're relocating to Bay County or looking for affordable new construction in Panama City, 523 N Church Ave is ready to welcome you home. Schedule your private showing today! Buyer to verify all measurements and listing details if important. Professional photos coming soon.

Features & Amenities

Interior

  • Other Interior Features

    Walk-In Closet(s)

  • Total Bedrooms

    3

  • Bathrooms

    2

  • Cooling YN

    YES

  • Cooling

    Central Air, Ceiling Fan(s), ENERGY STAR Qualified Equipment

  • Heating YN

    YES

  • Heating

    Central, Electric, ENERGY STAR Qualified Equipment

  • Pet friendly

    N/A

Exterior

  • Garage

    Yes

  • Garage spaces

    1

  • Construction Materials

    Vinyl Siding, Frame

  • Other Exterior Features

    Rain Gutters

  • Parking

    Paved

  • Patio and Porch Features

    Patio

  • Pool

    No

  • Waterfront YN

    NO

Area & Lot

  • Lot Features

    Paved

  • Lot Size(acres)

    0.19

  • Lot Size(square feet)

    8,276

  • Property Type

    Residential

  • Property Sub Type

    SingleFamilyResidence

  • Architectural Style

    Contemporary

Price

  • Sales Price

    $279,900

  • Tax Amount

    $580.23

  • Zoning

    Resid Single Family

  • Sq. Footage

    1,218

  • Price/SqFt

    $229

HOA

  • Association

    No

School District

  • Elementary School

    Patterson

  • Middle School

    Jinks

  • High School

    Bay

Property Features

  • Stories

    1

  • New Construction

    YES

  • Foundation Details

    Slab

  • Sewer

    Public Sewer

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Location

County

Bay

Elementary School

Patterson

Middle School

Jinks

High School

Bay

Listing Courtesy of Taylor C White, eXp Realty LLC

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REALTOR®

Debra McAllister

Call Debra today to schedule a private showing.

(503) 314-9885

Debra@GulfLifeGo.com


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Welcome to 523 N Church Avenue, a brand-new, move-in-ready home offering modern style, smart design, and incredible value in Panama City, Florida. Featuring 3 bedrooms, 2 bathrooms, and 1,218 square feet of thoughtfully crafted living space, this new construction residence is perfect for first-time buyers, military families relocating to Tyndall Air Force Base, or anyone seeking an affordable, turn-key home. Special Financing Offer- WITH ACCEPTABLE OFFER!!! Take advantage of a seller-paid rate buydown through List & Lock™, offering rates as low as 5.99% (6.675% APR) as of 10/26/2026. Lower your monthly mortgage payment and save significantly over time. (Terms apply; see disclosures for details.) Key Features & Interior Highlights Open-Concept Living include high raised ceilings, recessed halo lighting, luxury vinyl plank (LVP) flooring, and stylish ceiling fans throughout. Modern Chef's Kitchen outfitted with premium granite countertops, a large center island with pendant lighting, chic backsplash, sleek black hardware/finishes, a dedicated pantry, and a full stainless steel appliance package (refrigerator, range/oven, microwave, dishwasher, and disposal). Primary Suite Retreat includes a spacious walk-in closet, oversized single vanity with ample cabinet storage, and a low-maintenance fiberglass walk-in shower. Guest Bedrooms & Bath host two generously sized guest bedrooms with large closets, sharing a full hall bathroom with an oversized vanity and a tub/shower combo. Outdoor Space: Enjoy a fully sodded and landscaped yard with an open rear patio--ideal for weekend grilling, outdoor dining, and entertaining. Prime Location in Panama City, FL Situated right off 11th Street, 15th Street, and Business Highway 98, this location provides unmatched everyday convenience: Minutes from Downtown Panama City with local dining, shopping, waterfront parks, and community events. Local Amenities: Quick access to grocery stores, schools, healthcare facilities, and the Emerald Coast beaches. Whether you're relocating to Bay County or looking for affordable new construction in Panama City, 523 N Church Ave is ready to welcome you home. Schedule your private showing today! Buyer to verify all measurements and listing details if important. Professional photos coming soon.

523 N Church Avenue

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