
128 N VESTAVIA STREET, PANAMA CITY BEACH, FL, 32413
Active54 days on marketListed Jun 24, 2026MLS #TB8522772
About this home
128 N VESTAVIA STREET
Welcome to Panama City Beach's highly sought-after West End, where coastal living meets investment potential. Just a 5-minute walk from the sugar white sands and emerald waters that have made Panama City Beach famous as one of the most beautiful beaches in the world, this meticulously maintained 2021-built 3-bedroom, 2-bath home offers the perfect opportunity for a primary residence, vacation getaway, or short-term rental investment. Approved for short-term rentals and offered with no HOA restrictions, this property provides the flexibility buyers are looking for in today's market. From the moment you arrive, you'll appreciate the oversized maintenance-free coated concrete driveway with ample space for multiple vehicles, boats, RVs, trailers, and recreational equipment. Two covered awnings provide additional shaded parking, while the fully fenced property offers privacy and security. Outdoor living is a true highlight with huge screened front and rear porches featuring durable marine-grade carpeting designed for easy cleaning and maintenance. After a day at the beach, enjoy the convenience of two outdoor showers before relaxing in your private outdoor space. The property also features low-maintenance rubber mulch landscaping, brick paver walkways, dual irrigation systems, storage access on both sides of the home, and heavy-duty lattice screening around the porches. One of the property's standout features is the massive 12x28 shed complete with electric, water access, storage space, and a wheelchair-accessible ramp. Originally planned as a future guest suite or rental space, this versatile structure offers endless possibilities for storage, hobbies, a workshop, or future expansion. Additional improvements include a new shingled roof enhanced with a metal roof system for added durability and weather protection. The backyard offers plenty of room to add a future pool, creating the ultimate beach retreat. Pride of ownership is evident throughout, with the home maintained in immaculate condition. The stove and dishwasher have never been used, no shoes have been worn inside the home, and most furnishings are available for purchase separately, making this an easy turnkey opportunity. Conveniently located near Scenic Highway 30A, Pier Park, shopping, dining, entertainment, and some of Florida's most breathtaking beaches, this exceptional property combines location, flexibility, and value in one of Panama City Beach's most desirable areas. Call today to schedule an appointment!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,504
Sqft
0.18 ac
Lot size
2021
Year built
One
Levels
$199
Per sqft
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.
$2,160 /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
$2,160/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 Miramar Heights
Get to know Panama City Beach. See the full Panama City Beach guide →
Miramar Heights — neighborhood snapshot
Population
205
Median age
53
Median income
$25,799
Median home value
$382,701
Avg household
2
Households w/ children
5%
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 8% below the PANAMA CITY BEACH 32413 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 128 N VESTAVIA STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 N VESTAVIA STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
128 N VESTAVIA STREET FAQs
What would the monthly payment be for 128 N VESTAVIA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,160/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 128 N VESTAVIA STREET?+
The most recent tax bill on record (2025) was $1,291. 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 $299,000, this home is listed about 15% 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 128 N VESTAVIA STREET?+
West Bay Elementary School (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 32413 market on paper
$299,000 is 8% below the PANAMA CITY BEACH 32413 median of $324,500, and at $199/sqft it sits under the Panama City Beach average of $277.
02Time on market is leverage
54 days on market against a Panama City Beach median of 17 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $324,999, now $299,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DIVINE ESTATES REALTY LLC · Nehad Darwish. MLS #TB8522772.
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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