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Listing provided courtesy of Salty Marlin Realty- MLS# 1002548MLS Provider

231 Middleburg DrivePanama City Beach, FL 32413

Single Family · 4 Beds · 2 Full Baths · 1 Half Bath · 2,425 Sq. ft.
$489,000 Active

231 Middleburg Drive Overview

Time on Site:
53 days
Visits:
1

Seller has proactively addressed the roof -- property is currently insurable and seller has obtained insurance quotes available upon request. For buyers seeking a new roof, seller has a licensed contractor identified, quotes in hand, and is open to a closing concession toward replacement for offers near asking price. HOA architectural review process is in place and the path forward is clear. Seller is motivated 4BR/2.5BA ranch home in Palmetto Trace with pond frontage, community pool access, and a convenient Panama City Beach location near shopping, dining, and the beach. Built in 2006, this single-level home offers approximately 2,425 square feet under roof with an open living area, tile flooring throughout with carpted bedrooms, crown molding, 9 foot ceilings, and abundant natural light. Carpet just replaced in the bedroom staged as an office. The kitchen features a breakfast bar, pantry, and included appliances. The primary suite includes a walk-in closet and double vanity bath. Enjoy a covered patio, spacious backyard with pond views, and a 2-car attached garage. Palmetto Trace amenities include a community pool and sidewalks throughout the neighborhood.

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231 Middleburg Drive Facts & Features

  • Type Single Family
  • Sq. ft. 2,425
  • Price/Sq.ft. $202

Details

General

Association/HOA

  • Association Fee Includes: Management,Recreational Faclty
  • Association: true

School Information

  • Elementary School: Hutchinson Beach
  • Middle Or Junior School: Surfside
  • High School: Arnold

Listing Information

  • Buyer Financing: Conventional,FHA,VA,Other

Building Information

  • New Construction: false
  • Year Built: 2006

Location/Region

  • County Or Parish: Bay
  • MLS Area Major: 27 - Bay County
  • MLS Area Minor: 2720 - Beach - Middle Central
  • Subdivision Name: UNRECORDED SUBDIVISION

Community/Development

  • Community Features: Pool

Tax Information

  • Tax Annual Amount: 2927.78
  • Tax Year: 2025

General Information

  • Parcel Number: 32738-980-265
  • Property Condition: Construction Complete
  • Property Sub Type: Detached Single Family
  • Property Type: Residential
  • Zoning: Resid Single Family

Interior

Parking Information

  • Garage Spaces: 2.0

Beds/Baths

  • Bathrooms Full: 2
  • Bathrooms Half: 1
  • Bathrooms Total: 3
  • Bedrooms Total: 4

Building Interior

  • Building Area Source: County PA Records
  • Building Area Total: 2425.0

General Information

  • Appliances: Dishwasher,Dryer,Refrigerator,Stove/Oven Electric,Washer
  • Interior Features: Breakfast Bar,Ceiling Crwn Molding,Pantry
  • Rooms Total: 6
  • Stories: 1

Exterior

Lot Information

  • Lot Features: Cleared,Interior,Restrictions,Sidewalk,Within 1/2 Mile to Water
  • Lot Size Dimensions: 65x130
  • Lot Size Units: Acres
  • Road Surface Type: Paved

Waterfront/View

  • View: Pond
  • Waterfront Features: Pond
  • Waterfront: true

Building Exterior/Construction

  • Architectural Style: Ranch
  • Attached Garage: true
  • Construction Materials: Stucco

General Information

  • Carport: false
  • Pool Features: Pool Type
  • Utilities: Electric,Public Water

Room Information

Room: Bedroom

  • Level: First
  • Dimensions: 12 x 11
  • Length: 12.00
  • Width: 11.00
  • Description: Bedroom

Room: Covered Porch

  • Level: First
  • Dimensions: 19 x 4
  • Length: 19.00
  • Width: 4.00
  • Description: Dining room

Room: Covered Porch

  • Level: First
  • Dimensions: 14 x 9
  • Length: 14.00
  • Width: 9.00
  • Description: Covered porch

Room: Garage

  • Level: First
  • Dimensions: 22 x 20
  • Length: 22.00
  • Width: 20.00
  • Description: Garage

Room: Living Room

  • Level: First
  • Dimensions: 16 x 13
  • Length: 16.00
  • Width: 13.00
  • Description: Living room

Room: Master Bedroom

  • Level: First
  • Dimensions: 19 x 13
  • Length: 19.00
  • Width: 13.00
  • Description: Primary bedroom

231 Middleburg Drive Neighborhood

Community

32408 (Panama City) Demographics

43
Median Age
751
Population Density (per sq. mile)
48%
College Educated
$57,202
Estimated Median Income
5,833
Estimated Total Home Owners
2,869
Estimated Total Renters
67% / 33%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

231 Middleburg Drive Monthly Cost

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* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

231 Middleburg Drive Market Data

Based on the last 30 days in this zip code

$616,879
Average List Price
$391
Average Price per Square Foot
97
Properties Sold
89
Average Days on Market
1,054
Properties for Sale
Calculations provided by Reliance Network

231 Middleburg Drive History

Date Event Value Agent
6/9/2026Source: Emerald Coast MLS Price Reduction
$489,000 -1.2%
5/7/2026Source: Emerald Coast MLS Added to Database
May 07, 2026