1219 Navy Blvd #148, Panama City, FL, 32408
About This Home
Welcome to Cottage 148 in Emerald Pointe Resort--a delightful coastal retreat with a carport and the PERFECT porch for enjoying the Florida lifestyle. This cottage features a large primary bedroom, spacious family room, and comfortable flow designed for easy full-time living or extended beach escape getaways. Offered partially furnished and ready for your personal decorator touches, this cottage in this unique community is an outstanding opportunity for full-time living, a second home, or an income-producing short-term rental. Emerald Pointe Resort is one of Panama City Beach's hidden gems--a gated, pet-friendly, golf-cart-friendly community in the highly desirable Upper Grand Lagoon area. Unlike crowded high-rise condos, this low-density neighborhood offers you the opportunity to own a detached, single-family cottage with covered, private parking in a secure, gated community with resort-style amenities. Residents and guests enjoy access to two swimming pools (one seasonally heated), a hot tub, large clubhouse with full kitchen, Ping-Pong table, fitness center, catch and release fishing pond, shuffleboard, and beautifully maintained grounds. The peaceful setting offers the perfect balance of privacy, convenience, and recreation. With its ideal Upper Grand Lagoon location, you're just minutes from the sugar-white beaches of the Gulf, several marinas on Grand Lagoon, shopping, dining, and local attractions. St. Andrews State Park, Shell Island, and Pier Park are all within easy reach, while Northwest Florida Beaches International Airport is just a 30 minute drive away. Whether you're searching for a primary residence, vacation getaway, or smart investment property, Cottage 148 delivers the best of beach living in one of the area's most charming, gated communities.
Getting Around
Car-Dependent
Minimal Transit
BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Foundation: Slab
- Roof: Asphalt
- Construction materials: Modular/Prefab,Steel Frame,Vinyl Siding,Wood Frame
Type & Style
- Home type: MobileManufactured
- Architectural style: Manufactured Home
- Property subType: Manufactured Home,Single Family Residence
Interior
Appliances
- Appliances included: Electric Range,Electric Water Heater
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Window features: Double Pane Windows
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 860
- Total interior livable area: 860 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 30159248000
- Zoning description: Resid Single Family
- Special condition: Listed As-Is
Features
- Levels: One
- Stories: 1
- Pool features: Fenced,Gas Heat,In Ground,Community
- Patio & porch: Porch,Screened
- Exterior features: Porch
- Spa features: Community
Lot
- Lot size: 3,049 sqft
- Features: Sprinkler System,Paved
- Lot size dimensions: 40 x 80
Parking
- Total spaces: 2
- Covered spaces: 2
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 | $1,107 | $13,284 |
| Home Insurance * | $301 | $3,612 |
| Property Taxes | $107 | $1,284 |
| Electricity | $197 | $2,366 |
| Total | $1,712 | $20,544 |
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 |
|---|---|---|
| 2026-04-29 | Listed for sale | $245,000 |
View on Zillow