116 Smugglers Cove Ct, Panama City Beach, FL, 32407
About This Home
Significant Price Improvement. Experience coastal living at exceptional value. This is a great opportunity! Your One-of-a-Kind Beach Retreat-Steps from the Gulf. Welcome to this stunning, fully furnished beach house just few steps from the Gulf of America. Designed with comfort, elegance and durability in mind, this home offers a rare combination of coastal charm and high end features. Relax on any of the multiple balconies where you can feel the ocean breeze and soak in views of the Gulf and nearby lake. The third floor balcony offers the best of both worlds-gorgeous water views in every direction. Inside, the owner's impeccable taste is evident in every detail. Hurricane proof windows rated to withstand up to 155 mph provide peace of mind, while front-facing windows and transoms are tinted for added privacy and comfort. A private elevator accommodates up to 4 people (1000 lbs), making every level of the home easily accessible. The open-concept living areas feature crown molding thoughout, rich bamboo wood floors, and tile in the kitchen and bathrooms. The gourmet kitchen boasts granite countertops, abundant cabinetry, and stainless steel appliances, while each bathroom also features elegant granite finishes. Special touches include a central vacuum system for convenience, a tankless water heater for energy savings, and a split garage with ample space for tools and storage. The inviting living room offers an electric fireplace-perfect for cozy nights in. The first floor bedroom serves beautifully as a private mother-in-law suite, providing flexibility for guests or extended family. This home is a perfect blend of style, comfort and strength, a true coastal gem ready for its next chapter. Please schedule your private showing on this one of a kind property now!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: HardiPlank Type,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Tankless Water Heater
Bedroom
- Level: Third
- Dimensions: 11 x 12
Bedroom
- Level: Third
- Dimensions: 11 x 12
Bedroom
- Level: Second
- Dimensions: 11 x 10
Bedroom
- Level: First
- Dimensions: 11 x 10
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Features
- Central Vacuum,Interior Steps
- Window features: Tinted Windows
- Fireplace features: Electric
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric,Fireplace(s)
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,822
- Total interior livable area: 2,822 sqft
Master Bedroom
- Level: Third
- Dimensions: 12 x 12
Property
Details
- Parcel number: 38333050554
- Zoning description: Resid Single Family
- Special condition: Listed As-Is
Features
- Levels: Three Or More
- Stories: 3
- Patio & porch: Balcony
- Fencing: Partial
- Has view: Yes
- View description: Gulf,Lake
- Has water view: Yes
- Water view: Gulf,Lake
Lot
- Lot size: 0.86 Acres
- Features: Cul-De-Sac,Paved
- Lot size dimensions: 60 x 63
Parking
- Total spaces: 2
- Parking features: Garage,Garage Door Opener
- Has garage: Yes
- Attached garage 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
- Cold Wave
- 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 | $4,495 | $53,940 |
| Home Insurance * | $321 | $3,852 |
| Property Taxes | $825 | $9,900 |
| Electricity | $283 | $3,407 |
| Total | $5,924 | $71,088 |
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 |
|---|---|---|
| 2026-02-17 | Price change | $949,000 |
| 2025-08-14 | Listed for sale | $975,000 |
| 2025-06-19 | Listing removed | -- |
| 2025-03-21 | Price change | $975,000 |
| 2025-03-20 | Listed for sale | $97,500 |
| 2023-04-22 | Listing removed | -- |
| 2023-01-26 | Listed for sale | $995,000 |
| 2022-09-16 | Listing removed | -- |
| 2022-06-06 | Price change | $995,000 |
| 2022-05-06 | Price change | $1,200,000 |
| 2022-04-25 | Listed for sale | $1,225,000 |
| 2021-12-27 | Listing removed | -- |
| 2021-12-06 | Listed for sale | $789,000 |
| 2020-10-01 | Listing removed | $789,000 |
| 2020-09-18 | Price change | $789,000 |
| 2020-08-30 | Listed for sale | $795,000 |
| 2005-01-19 | Sold | $700,000 |
| 2002-09-13 | Sold | $34,000 |
For Sale by Agent
View on Zillow