Very rare property in PCB! Family home since 1984. Walking distance to the Gulf and NO HOA. City of PCB does not allow Short Term Rentals on this street. Used exclusively as a beach getaway. Home is in need of many repairs as the value is in the lot. Sellers will look at all offers. Cash or conventional loans ONLY! Home will not qualify for VA or FHA financing.
For sale
Price cut: $20K (1/4)
$309,000
197 Cobb Rd, Panama City Beach, FL 32413
2beds
978sqft
Est.:
Single Family Residence
Built in 1961
7,405.2 Square Feet Lot
$-- Zestimate®
$316/sqft
$-- HOA
What's special
- 76 days |
- 1,182 |
- 33 |
Zillow last checked: 8 hours ago
Listing updated: January 04, 2026 at 11:12am
Listed by:
John Lavin 850-496-7240,
BEACH GROUP PROPERTIES, LLC
Source: CPAR,MLS#: 781789
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Rooms
- Room types: Bedroom
Bedroom
- Level: First
- Dimensions: 10 x 11
Bedroom
- Level: First
- Dimensions: 10 x 11
Interior area
- Total structure area: 978
- Total interior livable area: 978 sqft
Property
Features
- Levels: One
- Stories: 1
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
Lot
- Size: 7,405.2 Square Feet
- Dimensions: 60 x 125
Details
- Parcel number: 38360000000
- Zoning description: Resid Single Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subtype: Single Family Residence
Condition
- New construction: No
- Year built: 1961
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Underground Utilities
Community & HOA
Community
- Subdivision: Suntime Beach U-1
HOA
- Has HOA: No
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $316/sqft
- Tax assessed value: $103,905
- Annual tax amount: $1,343
- Date on market: 11/22/2025
- Cumulative days on market: 74 days
Estimated market value
Not available
Estimated sales range
Not available
$1,593/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/4/2026 | Price change | $309,000-6.1%$316/sqft |
Source:  CPAR #781789 Report a problem | ||
| 11/21/2025 | Listed for sale | $329,000+761.3%$336/sqft |
Source:  ECAOR #989744 Report a problem | ||
| 11/1/1984 | Sold | $38,200$39/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,343 +7.8% | $103,370 +10% |
| 2023 | $1,245 +16.6% | $93,973 +10% |
| 2022 | $1,068 | $85,430 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$1,905/mo
Principal & interest
$1470
Property taxes
$327
Home insurance
$108
Climate risks
Neighborhood: 32413
Nearby schools
GreatSchools rating
- 6/10West Bay Elementary SchoolGrades: K-5Distance: 4.7 mi
- 7/10Surfside Middle SchoolGrades: 6-8Distance: 3.4 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 5.5 mi
Schools provided by the listing agent
- Elementary: West Bay
- Middle: Surfside
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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