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512 Dement Cir APT C, Panama City Beach, FL, 32407

5beds
5baths
2,394sqft
$775,000
$324price/sqft
$5,360/moest. monthly cost
$214,400/yrincome needed

About This Home

Welcome to your GORGEOUS coastal beach retreat! This elegant townhome known as The Hampton is just a 4-minute walk to the white sandy beaches. Perfect as an investment property, a primary residence, or a vacation/second home, this luxurious, fully furnished, 5 bedroom, 4.5 bath sleeps up to 14 guests in high style and cozy comfort. And its location so close to the turquoise Gulf of Mexico means you'll wake up to sea breezes, ocean views, and unforgettable sunsets -- without ever leaving your front door. HIGHLIGHTS INCLUDE: • Nautical, Hamptons-style design with elegant finishes • Multiple private balconies with ocean breezes and sunset Gulf views • Gourmet kitchen, fully equipped with all the essentials • Spacious open-concept living with 10 ft ceilings • Easy access to a sparkling community pool ---------- LIVING SPACES: --Gourmet Kitchen: White granite, cobalt cabinetry, farmhouse sink, bronze fixtures, and seating for four at the island. --Dining Nook: Bench seating for five with views of palms, sunsets, and the ocean through floor-to-ceiling windows. --Living Room: Indigo sectional, natural-linen armchair, Smart TV, and airy coastal tones create the perfect spot to relax together. ---------- BEDROOMS AND BATHS: --Master Suite (3rd floor): King bed, private balcony with sea views, spa-like ensuite with soaking tub & custom walk-in shower. --Guest Suites: Two Queen bedrooms, each with ensuite baths and elegant Hamptons décor. --Family Bunk Rooms: Two bedrooms with twin bunks (4 beds each), perfect for kids or teens. Shared full bathroom with mosaic tile. --Bathrooms: 4.5 total, all featuring white granite, cobalt blue cabinetry, and bronze fixtures. ---------- OUTDOOR FEATURES: --Private Balconies: Doors open to multiple balconies with Gulf breezes and vibrant sunsets. --Community Pool: Perfect for cooling off after a day at the beach. --Private garage for parking, a fun game-room conversion, or room to store your pool toys and beach equipment. Thank you for your interest! Ask your Realtor for the Airbnb link, and be sure to view the walkthrough video attached to this listing. We look forward to your offer!

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

7/10
Surfside Middle SchoolGrades 6-83.2 mi
4/10
J.R. Arnold High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Metal
  • Construction materials: Stucco

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Washer/Dryer Stacked,Electric Water Heater,Ice Maker
  • Laundry features: Stacked

Bedroom

  • Level: First
  • Dimensions: 12 x 14

Bedroom

  • Level: Second
  • Dimensions: 12 x 14

Bedroom

  • Level: Third
  • Dimensions: 15 x 15

Bedroom

  • Level: Third
  • Dimensions: 12 x 12

Bedroom

  • Level: Third
  • Dimensions: 12 x 12

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,394
  • Total interior livable area: 2,394 sqft

Other

  • Features: Balcony
  • Level: Third
  • Dimensions: 6 x 4

Property

Details

  • Parcel number: 34957030000
  • Attached to another structure: Yes
  • Zoning description: Resid Multi-Family
  • Special condition: Listed As-Is

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: In Ground,Community
  • Patio & porch: Balcony
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf

Lot

  • Lot size: 1,098 sqft
  • Lot size dimensions: 18 x 61

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,918$47,016
Home Insurance *$279$3,348
Property Taxes $923$11,076
Electricity $240$2,891
Total$5,360$64,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$183,771/yr
40% on housing$160,800/yr
45% on housing$142,933/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$324This listing

vs Other Active Listings

Avg $/sqft

ZIP 32407$271
Bay County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 32407$231
Bay County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-15Listed for sale$775,000
2025-09-26Listing removed$815,000
2025-09-15Pending sale$815,000
2025-09-15Listed for sale$774,000
2025-08-19Pending sale$774,000
2025-08-04Listing removed$774,000
2025-06-06Listed for sale$774,000
2025-05-29Pending sale$774,000
2025-03-11Listed for sale$774,000
2025-02-14Listing removed$789,000
2024-11-08Listed for sale$789,000
2024-10-14Listing removed$819,000
2024-09-06Listed for sale$829,000
2021-09-27Sold$520,000

For Sale by Agent

AgentLauren E Lobmeyer
BrokerageEXP Realty LLC

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