101 42nd St #E, Pt Saint Joe, FL, 32456
About This Home
Welcome to Seabreeze Bungalow, a beautifully designed 2-bedroom, 2-bath coastal retreat located on the beach side of Highway 98—just a short stroll from the sugar-white sands of Mexico Beach. This professionally decorated property, with all furnishings and artwork newly updated in 2025, is sold fully furnished and ready to enjoy or continue as a successful vacation rental. Built in 2020, this immaculate home showcases custom finishes and high-quality construction throughout, including luxury vinyl plank flooring, 9-foot ceilings, quartz countertops, spray foam insulation, a Rinnai tankless water heater, and a durable metal roof. The home rests on a stem wall foundation and is located in the X flood zone, meaning no flood insurance is required. Outdoor living is just as impressive, featuring a covered back porch, fenced brick paver courtyard, outdoor shower, and natural gas hookup for grillingperfect for entertaining or relaxing after a day on the beach. With no HOA or fees, this property offers flexibility and freedom rarely found in a beachside location. Boating and fishing enthusiasts will appreciate the proximity to the Mexico Beach city boat ramp, providing easy access to the Gulf's renowned waters. Currently operating as a vacation rental with strong rental income, Seabreeze Bungalow presents an outstanding opportunity for investors and second-home buyers alike. Reach out to your favorite local Realtor for more details or to arrange your personal showing before this one's gone! About Mexico Beach: Nestled along Florida's Gulf Coast between Port St. Joe and Panama City, Mexico Beach is known for its quiet, family-friendly atmosphere, uncrowded beaches, and authentic coastal charm. This hidden gem offers a laid-back lifestyle reminiscent of ''Old Florida,'' where you can stroll to local shops, enjoy fresh seafood by the water, and take in breathtaking sunsets over the Gulf of Mexico. Property Highlights: - X Flood Zone - No flood insurance required - No HOA or fees - Fully furnished, professionally decorated (2025 updates) - 9' ceilings, quartz countertops, LVP flooring throughout - Spray foam insulation, metal roof, stem wall foundation - Rinnai tankless water heater, outdoor shower, natural gas grill hookup - Short walk to beach access - Proven vacation rental with strong income - Nearby city boat ramp for easy Gulf access
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2020
Materials
- Roof: Metal
- Construction materials: Siding CmntFbrHrdBrd
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer,Tankless Water Heater
Bedroom
- Level: First
- Area: 110
- Dimensions: 10 x 11
Bedroom
- Level: First
- Area: 110
- Dimensions: 10 x 11
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Window features: Window Treatments
- Flooring: Vinyl
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,012
- Total interior livable area: 1,012 sqft
Kitchen
- Level: First
- Area: 110
- Dimensions: 10 x 11
Living Room
- Level: First
- Area: 110
- Dimensions: 10 x 11
Property
Details
- Parcel number: 04126050050
- Zoning description: Resid Multi-Family
Features
- Stories: 1
- Patio & porch: Porch
- Exterior features: Outdoor Grill,Private Yard,Outdoor Shower
Lot
- Lot size: 435.60 sqft
- Features: Within 1/2 Mile to Water
- Lot size dimensions: 25 x 90
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
- Coastal Flooding
- Lightning
- 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 | $2,654 | $31,848 |
| Home Insurance * | $233 | $2,796 |
| Property Taxes | $258 | $3,096 |
| Electricity | $197 | $2,366 |
| Total | $3,342 | $40,104 |
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 |
|---|---|---|
| 2026-04-09 | Price change | $540,000 |
| 2025-11-29 | Price change | $575,000 |
| 2025-10-11 | Listed for sale | $579,000 |
| 2024-01-03 | Sold | $565,000 |
| 2023-11-28 | Pending sale | $575,000 |
| 2023-11-28 | Contingent | $575,000 |
| 2023-10-03 | Price change | $575,000 |
| 2023-08-31 | Price change | $589,500 |
| 2023-07-28 | Listed for sale | $599,500 |
| 2022-06-22 | Listing removed | $595,000 |
| 2022-06-08 | Listed for sale | $595,000 |
| 2022-05-10 | Contingent | $595,000 |
| 2022-04-08 | Listed for sale | $595,000 |
| 2021-09-24 | Sold | $419,900 |
| 2021-07-17 | Contingent | $419,900 |
| 2021-07-12 | Listed for sale | $419,900 |
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