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134 S Palm St, Port Saint Joe, FL, 32456

2beds
3baths
1,080sqft
$445,000
$412price/sqft
$2,946/moest. monthly cost
$117,840/yrincome needed

About This Home

"Alfie's Place" Well-maintained Indian Pass beach house. NEW METAL ROOF 2026! 2 BR, 3 BA. Open floor plan. Efficient kitchen with breakfast bar. Cozy living area with vaulted ceiling and fireplace. Dining and living areas open to screened porch and open sundeck for al Fresco meals and relaxation. Primary BR with ensuite BA opens to deck. LVP Flooring. Ground level work shop/entertainment area with full BA. Landscaped lot with French drain. City water; Onsite well has been capped off. This nature lovers' paradise is tucked away in a quiet neighborhood in Old Florida, just steps from Gulf waters and white sand beach. Short drive to the beloved Indian Pass Raw Bar. Minutes to boat launching. St. Vincent National Wildlife Refuge is a short paddle or boat ride away. "Alphie's Place'" is offered furnished; unpack your suitcase and head to the Beach!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
4/10
Port St. Joe High SchoolGrades 7-128.2 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1990

Materials

  • Foundation: Block,Pilings
  • Roof: Metal
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 2009

Type & Style

  • Home type: SingleFamily
  • Architectural style: Beach House
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range Hood,Refrigerator w/Ice Maker

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Woodwork Painted,Open Floorplan
  • Window features: Window Treatments
  • Fireplace: Yes

Heating

  • Heating features: Fireplace(s)

Interior Area

  • Total structure area: 2,980
  • Total interior livable area: 1,080 sqft

Master Bathroom

  • Features: Shower Only

Property

Details

  • Parcel number: 03204031R
  • Zoning description: Residential Single Family

Features

  • Exterior features: Barbecue

Lot

  • Lot size: 7,840 sqft
  • Features: Subdivided,Within 1/2 Mile of Water,Landscaped
  • Lot size dimensions: 75 x 105

Parking

  • Total spaces: 4
  • Parking features: Driveway,Under House With Pad
  • Has uncovered spaces: Yes

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
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Inland Flooding
Strong Wind
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Gulf 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 $2,250$27,000
Home Insurance *$195$2,340
Property Taxes $304$3,648
Electricity $197$2,366
Total$2,946$35,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,005/yr
40% on housing$88,380/yr
45% on housing$78,560/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 14.7%
14.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$412This listing

vs Other Active Listings

Avg $/sqft

ZIP 32456$381
Gulf County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 32456
Gulf County$240

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
2026-05-10Listed for sale$445,000
2026-05-10Contingent$445,000
2026-05-05Price change$445,000
2026-02-26Listed for sale$495,000
2026-02-22Listing removed$495,000
2025-12-24Listed for sale$495,000
2025-11-28Contingent$495,000
2025-11-21Listed for sale$495,000

For Sale by Agent

AgentPandora Schlitt
BrokerageBerkshire Hathaway HomeServices - SGI

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