427 Bunkers Cove Rd, Panama City, FL, 32401
About This Home
CURRENTLY UNDER CONTRACT, SELLER ACCEPTING BACKUP OFFERS Welcome to 427 Bunkers Cove Road, an exceptional coastal residence located in the highly sought-after Cove neighborhood of Panama City, just moments from St. Andrews Bay and around the corner from the St. Andrews Bay Yacht Club. This prime location offers the perfect blend of waterfront living and convenience, with downtown Panama City, restaurants, shopping, and local attractions only minutes away. Offering approximately 3,576 square feet of thoughtfully designed living space, this beautiful Colonial Revival home features 4 bedrooms, 3 full bathrooms, and timeless architectural character throughout. The inviting two-story design showcases a symmetrical façade, welcoming columned portico, classic brick chimney, and mature live oak trees draped with Spanish moss, creating unforgettable curb appeal. Inside, you'll find a spacious and functional floor plan enhanced by hardwood flooring, abundant natural light, divided-pane windows, and stainless steel appliances. The chef's kitchen flows seamlessly into the main living areas, making it ideal for everyday living and entertaining. A bright sunroom overlooks the backyard and provides the perfect space to relax year-round. Upstairs, a hidden bonus/game room tucked off the fourth bedroom offers endless possibilities as a media room, playroom, home office, or guest retreat while enjoying views of the pool and backyard. Step outside to your own private oasis featuring an in-ground swimming pool, spa, beautifully landscaped grounds, and multiple areas for entertaining or unwinding. Alley access provides ample parking for a boat, RV, or camper, while the large detached workshop offers outstanding space for storage, hobbies, or recreational equipment. Additional features include a whole-home water filtration system, covered side carport, established landscaping, mature shade trees, and a golf cart-friendly neighborhood that enhances the relaxed coastal lifestyle. Combining timeless architecture, modern comforts, generous indoor and outdoor living spaces, and an unbeatable location, 427 Bunkers Cove Road presents a rare opportunity to own one of Panama City's most distinctive homes. Schedule your private showing today and experience everything this exceptional property has to offer.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Oven
Bedroom
- Level: Second
- Dimensions: 12.11 x 19.6
Bedroom
- Level: Second
- Dimensions: 13 x 11.1
Bedroom
- Level: Second
- Dimensions: 10.8 x 11.6
Bedroom
- Level: Second
- Dimensions: 10.1 x 15.1
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Interior Steps,Tub Shower
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Attic Fan,Central Air,Ceiling Fan(s),Multi Units
Interior Area
- Total structure area: 3,576
- Total interior livable area: 3,576 sqft
Property
Details
- Parcel number: 21053000000
- Zoning description: Resid Single Family
Features
- Private pool: Yes
- Pool features: Indoor,Private
- Patio & porch: Deck,Patio
- Exterior features: Covered Patio,Patio
- Fencing: Full,Fenced,Privacy
Lot
- Lot size: 0.26 Acres
- Features: Paved
- Lot size dimensions: 74 x 140 x 100 x 75
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
- Coastal Flooding
- 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 | $2,978 | $35,736 |
| Home Insurance * | $400 | $4,800 |
| Property Taxes | $712 | $8,544 |
| Electricity | $359 | $4,318 |
| Total | $4,449 | $53,388 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Pending sale | $569,000 |
| 2026-08-07 | Price change | $569,000 |
| 2026-07-08 | Listed for sale | $589,000 |
| 2025-09-11 | Listing removed | $635,000 |
| 2025-08-26 | Price change | $635,000 |
| 2025-08-06 | Price change | $620,000 |
| 2025-07-22 | Listed for sale | $685,000 |
| 2019-02-28 | Sold | $415,000 |
| 2018-11-02 | Listed for sale | $439,000 |
| 2018-09-27 | Pending sale | $439,000 |
| 2018-09-12 | Listed for sale | $439,000 |
| 2013-12-16 | Sold | $338,000 |
| 2013-11-02 | Listed for sale | $347,500 |
| 2009-06-08 | Sold | $344,000 |
| 2005-06-30 | Sold | $530,000 |
| 2003-01-29 | Sold | $298,000 |
| 2000-04-21 | Sold | $235,000 |
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