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108 San Vincente St, Panama City Beach, FL, 32413

10beds
8baths
4,000sqft
$1,585,000
$396price/sqft
$11,869/moest. monthly cost
$474,760/yrincome needed

About This Home

Beautiful newly built duplex (2024) offering modern designs, furnishings and strong rental history plus potential. This fully furnished property features two spacious units each with 5 bedroom, 4 bathrooms and a living space designed for comfort and functionality. Enjoy a private pool perfect for guests or owners, plus a prime location close to everything Panama City Beach has to offer. With a solid rental history in place, this is an exceptional turnkey investment opportunity or multifamily retreat.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
56
BikeBikeable

Schools

6/10
7/10
Surfside Middle SchoolGrades 6-82.8 mi
4/10
J.R. Arnold High SchoolGrades 9-124.8 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2024

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Bedroom

  • Level: First
  • Area: 120
  • Dimensions: 10 x 12

Bedroom

  • Level: First
  • Area: 132
  • Dimensions: 11 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Area: 144
  • Dimensions: 12 x 12

Bedrooms & Bathrooms

  • Bedrooms: 10
  • Bathrooms: 8
  • Full bathrooms: 6
  • 1/2 bathrooms: 2

Heating

  • Heating features: Natural Gas

Interior Area

  • Total structure area: 4,000
  • Total interior livable area: 4,000 sqft

Living Room

  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Living Room

  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Property

Details

  • Parcel number: 33383030000
  • Zoning description: Resid Multi-Family, Resid Single Family

Features

  • Stories: 2
  • Pool features: In Ground
  • Exterior features: Outdoor Grill,Balcony
  • Fencing: Privacy

Lot

  • Lot size: 6,534 sqft

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
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
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 $8,014$96,168
Home Insurance *$1,858$22,296
Property Taxes $1,595$19,140
Electricity $402$4,830
Total$11,869$142,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$406,937/yr
40% on housing$356,070/yr
45% on housing$316,506/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

$396This listing

vs Other Active Listings

Avg $/sqft

ZIP 32413$287
Bay County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 32413$311
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
2026-05-09Price change$1,585,000
2026-04-22Price change$1,599,000
2026-04-16Listed for sale$1,600,000
2024-12-18Sold$1,550,000
2024-12-11Pending sale$1,550,000
2024-05-01Listing removed--
2024-04-14Price change$1,495,000
2024-03-11Listed for sale$1,595,000

For Sale by Agent

AgentRush Valentine
BrokerageEXP Realty LLC

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