21316 SUNSET AVENUE, PANAMA CITY BEACH, FL, 32413
Active51 days on marketListed Jun 24, 2026MLS #TB8522776
About this home
21316 SUNSET AVENUE
Charming beach-area single-family home located just minutes from the beautiful sand beaches of Panama City Beach. This home offers endless potential as a primary residence, a vacation retreat, or an investment property. The property features a detached garage, providing valuable storage space for vehicles, boats, golf carts, or workshop use. Situated on a generously sized lot, the home offers ample outdoor space for entertaining, gardening, or future improvements. Enjoy the convenience of nearby dining, shopping, and outdoor recreation while tucked away in a quiet residential setting. Whether you're looking for a coastal getaway or a property with room to add value, this home presents an excellent opportunity in a desirable location. Convenient access to Highway 79, Pier Park, and the Gulf beaches. Ideal for investors, second-home buyers, or those seeking an affordable beach-area residence.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
624
Sqft
0.13 ac
Lot size
1
Garage
1974
Year built
One
Levels
$409
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.
$2,028 /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
$2,028/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 Riviera Beach
Get to know Panama City Beach. See the full Panama City Beach guide →
Riviera Beach — neighborhood snapshot
Population
563
Median age
59
Median income
$79,898
Median home value
$422,400
Avg household
2
Households w/ children
23%
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 21% below the PANAMA CITY BEACH 32413 median. See the full Panama City Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 21316 SUNSET AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$389,000
416 GAINOUS ROAD
3 bd · 2.5 ba · 1,457 sqft · $267/sqft · 0 DOM
Sold · Jul ’26$555,000
323 KELLY STREET
3 bd · 1 ba · 1,491 sqft · $372/sqft · 57 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 21316 SUNSET AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21316 SUNSET AVENUE — 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
21316 SUNSET AVENUE FAQs
What would the monthly payment be for 21316 SUNSET AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,028/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 21316 SUNSET AVENUE?+
The most recent tax bill on record (2025) was $3,058. 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 $254,950, this home is listed about 28% 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 21316 SUNSET AVENUE?+
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
$254,950 is 21% below the PANAMA CITY BEACH 32413 median of $324,500.
02Time on market is leverage
51 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 $264,950, now $254,950 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE SHOP REAL ESTATE CO. · William Wiard. MLS #TB8522776.
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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