No solicitations! No Leasing! No holding! No Listing agent needed!
Use calendar to schedule viewings (owners will be present): https://calendar.app.google/Sb4yxurqNntgxJ6e8
Directions: Travel south on Beck Ave. into the charming fishing & boating community of St. &rews. Turn right onto 14th St. toward St. &rews Bay. The house is on the corner of 14th St. & Cincinnati Ave.
St. &rews Cottage – Moss-Draped Oaks, One Block from the Bay, Bring Your Vision
Welcome to this rarely available 1941 St. &rews cottage, where timeless Old Florida character meets one of Panama City’s most desirable locations. Nestled beneath mature oak trees draped in Spanish moss & set on high elevation just one block from St. &rews Bay, this home sits among beautiful properties & offers unmatched lifestyle appeal.
With 1,674 square feet of living space plus a 414-square-foot heated & cooled sunroom added in 2018, the home feels larger than expected & offers a flexible floor plan. The layout includes four bedrooms, that includes one BR with interior & exterior doors ideal as a mother-in-law suite, two full bathrooms, & a half-bath area, providing options for work, guests, or multi-use living.
Features & Highlights
Charming historic details: Old Florida crank-out windows, original architectural touches, & classic cottage style.
Controlled comfort: Gas heaters & window units enable the ability to only heat or cool areas of use, providing year-round flexibility.
Flexible layout: Multiple living areas for work, play, entertaining, & relaxing.
Sunroom retreat: 414-square-foot sun-filled space perfect for plants, hobbies, or year-round living.
Bath configuration: Two full baths plus a half-bath.
Natural setting: Moss-draped oak trees provide shade, beauty, & Southern charm.
Additional spaces: Two outbuildings—one for storage, one private office—offering flexible workspace or hobby areas.
Outdoor privacy: Fully fenced yard ideal for pets, entertaining, or relaxing under the oaks.
Location Highlights
One block from St. &rews Bay for morning strolls, sunset views, & Gulf breezes.
Historic St. &rews district features a marina, restaurants, shops, farmer's market, park, & local events.
High-elevation lot: Provides security & peace of mind in a coastal setting.
Opportunity for Buyers
Move in as-is & enjoy vintage character blended with updates, including a new roof (2023) & improvements to electrical & plumbing. Bring your vision—the layout offers potential to create a lifestyle tailored to you.
Bottom Line
A high-elevation 1941 cottage shaded by moss-draped oaks, with three bedrooms (including a mother-in-law suite), flex space, office, 2018 sunroom, two outbuildings, & a fenced yard, just one block from St. &rews Bay, is rare on the market. Schedule your showing today & see how this home can fit your lifestyle.
Sold as-is. Information believed accurate but not guaranteed. Buyers should verify details & inspect. Due to the age of the home, it may contain untested lead-based paint.
For sale by owner
$374,579
1336 Cincinnati Ave, Panama City, FL 32401
4beds
2,088sqft
Est.:
SingleFamily
Built in 1941
9,316 Square Feet Lot
$-- Zestimate®
$179/sqft
$-- HOA
What's special
Fenced yardFully fenced yardMother-in-law suiteSunroom retreatCharming historic detailsFlex spaceMature oak trees
What the owner loves about this home
Nestled beneath moss-draped oaks just one block from St. Andrews Bay, this charming Florida cottage perfectly blends Old Florida character with flexible living spaces. We love the sun-filled sunroom for plants, hobbies, or relaxing, the large bedroom with its own entrance for privacy or a guest suite, and the additional flex room and office that adapt to any lifestyle. Two outbuildings, a private fenced yard, and controlled heating/cooling make daily living comfortable and practical. With a prime location in historic St. Andrews, walking distance to the marina, shops, and restaurants, this home is full of charm, character, and possibilities—ready for you to bring your vision to life.
- 5 days |
- 311 |
- 8 |
- Loading