140 Paradise Found Cir #4, Panama City Beach, FL, 32413
About This Home
Your own slice of paradise awaits at the new Margaritaville Beach Cottage Resort on Front Beach Road. Surf Bungalow 4 is a beautifully appointed, new-construction one-bedroom cottage with a spacious loft, thoughtfully designed to comfortably accommodate guests with two full-size bunk beds. As an end-unit beach home, Surf Bungalow 4 enjoys one of the most desirable locations within Surf Bungalow Village--just moments from the beach club, clubhouse, and designated parking, while still offering a sense of privacy. This residence features the highly sought-after Longboard floor plan, complemented by the ''Son of a Sailor'' furniture and design package. The main level hosts a serene primary ensuite with a king bed and private bath, while the second-floor mezzanine offers built-in full-over-full bunk beds along with an additional private bath--ideal for maximizing both comfort and functionality. The open-concept layout seamlessly connects the spacious kitchen, inviting dining area, and relaxed living space, creating the perfect setting for entertaining or unwinding. Offered fully furnished and professionally designed, this turnkey home includes a large front porch, lush tropical landscaping, and convenient access to both owner and guest parking. Residents and guests enjoy an exceptional resort experience, featuring nearly 600 feet of private beach access, a sprawling oasis-style pool with zero-entry access, a lazy river, and amusement park-style waterslides. On-site amenities include the Salty Rim Bar for refreshing cocktails and the Salty Grill for casual poolside dining. Ownership also includes exclusive access to the Margaritaville PCB Beach Club, offering a fitness center, arcade and game room, activities center, and the popular License to Chill Bar & Restaurant. With front desk check-in and dedicated on-site guest services, every stay is designed for ease and enjoyment. This property presents an outstanding opportunity to enjoy both personal use and income potential. Don't miss your chance to experience the Margaritaville lifestyle at its finest.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2024
Materials
- Foundation: Pillar/Post/Pier
- Roof: Metal
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: ENERGY STAR Qualified Appliances,Electric Cooktop,Ice Maker,Tankless Water Heater
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 2
Cooling
- Cooling features: Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Features
- Interior Steps,Instant Hot Water
Interior Area
- Total structure area: 768
- Total interior livable area: 768 sqft
Kitchen
- Level: First
- Dimensions: 15 x 9.2
Living Room
- Level: First
- Dimensions: 15 x 12.7
Master Bedroom
- Level: First
- Dimensions: 9.9 x 11.11
Other
- Level: Second
- Dimensions: 9.9 x 12.3
Property
Details
- Parcel number: 40001605004
- Zoning description: Resid Single Family
- Special condition: Listed As-Is
Features
- Pool features: Community
- Patio & porch: Covered,Porch
- On waterfront: Yes
Lot
- Features: Paved
- Lot size dimensions: 0 x 0
Parking
- Parking features: Additional Parking
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
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,970 | $35,640 |
| Home Insurance * | $688 | $8,256 |
| Property Taxes | $613 | $7,356 |
| Electricity | $197 | $2,366 |
| Total | $4,468 | $53,616 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-30 | Price change | $587,500 |
| 2025-12-03 | Price change | $595,000 |
| 2025-04-01 | Listed for sale | $555,000 |
| 2024-08-15 | Sold | $520,000 |
| 2024-06-08 | Pending sale | $520,000 |
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