Address
109 Blue Sage Road, Panama City Beach, FL
Price
$ 449,000
Property Attributes
- MLS#785506
- TypeSingle Family
- Listing Status Active
- CountyBay
- CityPanama City Beach
- Area03 - Bay County - Beach
- NeighborhoodWhisper Dunes
- Zip32413
- Style
- Year Built2014
- Taxes$ 5360
- Price$ 449,000
- Bedrooms3
- Full Bathrooms2
- Half Bathrooms0
- Sqr Footage1924
- Lot Size0.15 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property Description
Experience low-maintenance coastal living in this 3BR/2BA home in Whisper Dunes, located just a half-mile from dedicated beach access. Whisper Dunes remains one of the West End's most desirable primary-residence communities, known for its pet-friendly atmosphere, consistent upkeep, and HOA-covered lawn care that simplifies everyday living. Designed with both durability and comfort in mind, this home features 2x6 construction, Hardie board siding, 6-inch exterior walls, and a 30-year architectural shingle rated for 130 mph winds -- details that matter in today's insurance and long-term ownership landscape. A 5-star energy rating, high-efficiency Low E2 windows, and a 14-SEER heat pump further enhance efficiency and livability. Inside, the open floor plan offers large designer tile throughout, 8-foot doors with craftsman-style trim, and abundant natural light from oversized windows. The kitchen is thoughtfully appointed with stainless appliances, granite countertops, under-cabinet lighting, and generous storage -- creating a functional gathering space that connects seamlessly to the main living area. The primary suite features tray ceilings and an ensuite bath with double vanities and matching granite surfaces. Two additional bedrooms and a full bath provide flexibility for guests, home office needs, or family living. French doors open to a covered porch with a remote-controlled electric screen, extending your living space outdoors. The fenced backyard offers privacy for pets or entertaining, while the garage includes a newly epoxy-coated floor completed in 2025 for a clean, durable finish. Residents of Whisper Dunes enjoy a community pool, cabana, landscaped walking paths, and sidewalks throughout the neighborhood -- all just minutes from Pier Park, 30A, Camp Helen State Park, Lake Powell, and the conveniences of Publix, ALDI, and local dining. For buyers seeking a well-built, low-maintenance home near the beach within a primarily full-time residential setting, this Whisper Dunes property represents a strong opportunity on Panama City Beach's West End.
| Elementary School | Middle School | High School |
|---|---|---|
| West Bay Elementary School | Surfside Middle School | Arnold High School |
| Price History | |
|---|---|
| 2/19/2026 | Listed $495,000 |
| 3/30/2026 | 2$485,000 |
| 4/22/2026 | 2$475,000 |
| 5/6/2026 | 2$465,000 |
| 7/30/2026 | 3$449,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Utilities | Electricity Available |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Community Features | Pool |
| County | Bay |
| Property Type | Residential |
| HOA | true |
| Subdivision Name | Whisper Dunes |
| Status | Active |
| Directions | From Hwy 79 Take Panama City Beach Parkway ( US98) Drive approximately 5.5 miles west and Turn Right onto Sand Oak Blvd and go approximately .1 miles and turn right in the traffic Circle and the home is .1 miles on the right. |
| High School | Arnold |
| City | Panama City Beach |
| MLS Area | 03 - Bay County - Beach |
| Lot Size Units | Acres |
| Lot Size Square Feet | 6708 |
| Elementary School | West Bay |
| Tax Annual Amount | 5360 |
| Middle/Junior High School | Surfside |
| MLS Area Minor | 0322 - Beach - North West |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Association Amenities | Gazebo |
| Occupancy Type | Vacant |
| Year Built | 2014 |
| Association Fee Includes | Association Management,Maintenance Grounds,Trash |
| Heating | Electric |
| Cooling | Central Air,Ceiling Fan(s) |
| Appliances | Electric Oven,Electric Range,Electric Water Heater |
| Patio/Porch Features | Covered,Patio |
| Garage Y/N | true |
| Total Rooms | 3 |
| Full Baths | 2 |
| Garage Spaces | 2 |
| Architectural Style | Craftsman |
| HOA Fee | 785.47 |
| Assoc Fee Paid Per | Quarterly |
| Pool Features | Community |
| New Construction | false |
| Roof | Composition,Shingle |
Interior Features
| Total Baths | 2 |
|---|---|
| Interior Amenities | Double Vanity,Main Level Primary,Soaking Tub,Separate Shower,Walk-In Closet(s) |
| Furnished Units | None |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 3 |
| LivingAreaSource | Appraiser |
Exterior Features
| Lot Features | Sprinkler System |
|---|---|
| Lot Size Area | 0.15 |
| Lot Dimensions | 110X60 |
| Lot Size Acres | 0.15 |
| Building Area Total | 1924 |
| Waterfront Y/N | false |
| Fencing | Fenced |
| Foundation Details | Slab |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32413
Price
Taxes
Year Built
In The Neighborhood
Panama City Beach
$ 525,000
323 Blue Sage Road
Panama City Beach, FL 32413
- Type
- Single Family
- Size
- 1,756 SqFt
- Rooms
- 3 Beds + 2 Baths
Panama City Beach
$ 439,000
217 Blue Sage Road
Panama City Beach, FL 32413
- Type
- Single Family
- Size
- 1,742 SqFt
- Rooms
- 2 Beds + 2 Baths
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The 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.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
