239 Saint Katherine Blvd, Panama City Beach, FL, 32407
About This Home
WATERFRONT... walk to the beach, fully furnished... and a golf cart INCLUDED. Yes, you read that right. This canal-front townhome offers peaceful water views where you can watch turtles swim and birds catch fish right from your back patio. Search on YouTube ''For Sale Waterfront Vacation Home in Gulf Highlands Beach Resort'' for video tour. It's a larger floor plan with a glass-back design, giving you great views from the main living area and the primary bedroom. Located in a prime spot directly across from a heated pool (seasonal) and just a short walk to the sand, with two convenient beach accesses nearby--the private community access on the west side and public beach access #38 on the east. Inside, the unit shows great and has been well taken care of. Features include granite countertops in the kitchen and a tiled walk-in shower in the primary bathroom. The large window in the primary bedroom overlooking the canal is a standout feature. Sold fully furnished and ready to enjoy or rent right away. Additional highlights: Short-term rentals allowed with strong GRI potential, VA & FHA approved, Low HOA, 2 assigned parking spaces right in front, Golf cart included. The community amenities are hard to beat and included in the HOA ($1,121.84 per quarter, not monthly): 11 pools (5 heated), private beach house with beachfront pool and snack bar, tennis, pickleball, shuffleboard, fitness center, 18-hole mini golf, playgrounds, conference center, plus internet, lawn care, trash, pest control, and termite bond. Golf carts are welcome, making it easy to get around the community or head to the beach. Whether you're looking for a full-time home, beach getaway, or investment property, this one checks all the boxes.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1992
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Gas Range,Gas Water Heater
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 1,260
- Total interior livable area: 1,260 sqft
Living Room
- Level: First
- Dimensions: 17 x 13
Master Bedroom
- Level: Second
- Dimensions: 16 x 13
Property
Details
- Parcel number: 34797907000
- Attached to another structure: Yes
- Zoning description: Resid Single Family
Features
- Pool features: Gas Heat,Community
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- On waterfront: Yes
- Waterfront features: Canal Access
Lot
- Lot size: 2,550 sqft
- Lot size dimensions: 30 x 85
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
- Tornado
- 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 | $1,562 | $18,744 |
| Home Insurance * | $111 | $1,332 |
| Property Taxes | $368 | $4,416 |
| Electricity | $197 | $2,366 |
| Total | $2,238 | $26,856 |
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 |
|---|---|---|
| 2026-05-11 | Price change | $299,000 |
| 2026-04-28 | Listed for sale | $309,000 |
| 2019-04-02 | Sold | $215,000 |
| 2006-07-31 | Sold | $222,000 |
| 2004-02-19 | Sold | $185,000 |
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