This unique waterfront hideaway is tucked away on the bay in a charming, 6-unit complex. Every home here enjoys its own private boat slip, and the surprisingly low HOA covers your slip, some utilities, and exterior insurance, making it as worry-free as it is beautiful. All exteriors units have new hardi-board siding and paint. The entire dock and pilings have been replaced with composite decking since these photos were taken. This is just the neatest place and a must see!Perfect for the avid angler or island hopper, Mariners Cove offers easy access to Shell Island, the pass and out to deep-water fishing. Your 16' x 30' slip is equipped with a 10,000 lb lift.The inside was completely updated in 2019 with a new roof and Pella windows, expanded upstairs living area, water heater, two mini-split units, vinyl plank flooring, paint, recessed lighting and a generator quick connect. The kitchen was done very simple as the owner wanted but cabinets can easily be added. The new Pella windows have built in blinds so they can be completely open with unobstructive views from every room and level of this unit. There are hurricane shutters made for each window, this are easy to put up and they stack to store. Mariners Cove has approx. 185 feet of waterfront, a pavilion for grilling the days catch right on the water and storage area for kayaks. There is a storage area and workshop for storing of tools and boating equipment on the property. After a day on the water, there's a community bathroom for guests and a shared laundry room to make clean-up a breeze, all just steps from your door.Don't miss out on this waterfront living at this price!
For sale
$249,000
4900 E 4th St, Panama City, FL 32404
1beds
771sqft
Est.:
Townhouse
Built in 1986
-- sqft lot
$236,400 Zestimate®
$323/sqft
$850/mo HOA
What's special
Composite deckingWaterfront hideawayNew hardi-board sidingStorage area for kayaksPella windowsHurricane shuttersVinyl plank flooring
- 10 days
- on Zillow |
- 112 |
- 6 |
Zillow last checked: 7 hours ago
Listing updated: August 19, 2025 at 09:07am
Listed by:
Celia Bush 850-596-9279,
Think Real Estate
Source: CPAR,MLS#: 777534
Originating MLS: Central Panhandle Association of REALTORS

Travel times
Tour with a buyer's agent
Tour with a buyer's agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Rooms
- Room types: Living Room, Primary Bedroom
Primary bedroom
- Level: Second
- Area: 368.88
- Dimensions: 17.4 x 21.2
Primary bedroom
- Level: Second
- Area: 368.88
- Dimensions: 17.4 x 21.2
Living room
- Description: living room/kitchen
- Level: First
- Area: 405.42
- Dimensions: 17.4 x 23.3
Living room
- Description: living room/kitchen
- Level: First
- Area: 405.42
- Dimensions: 17.4 x 23.3
Heating
- Ductless, Electric
Cooling
- Ductless, Electric
Appliances
- Included: Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Refrigerator
Features
- Recessed Lighting
- Flooring: Luxury Vinyl Plank
Interior area
- Total interior livable area: 771 sqft
Property
Parking
- Parking features: Assigned, Oversized, Parking Lot
- Details: Driveway Spaces:2.00
Features
- Patio & porch: Covered, Porch
- Pool features: None
- Has view: Yes
- View description: Bay, Bayou
- Has water view: Yes
- Water view: Bay,Bayou
- Waterfront features: Boat Dock/Slip, Bayou, Boat Ramp/Lift Access, Dock Access, Seawall, Deeded Access, Waterfront
- Frontage length: 185
Lot
- Features: Dead End, Waterfront
Details
- Additional structures: Shed(s), Workshop
- Parcel number: 25925060000
- Zoning description: County,Resid Multi-Family
Construction
Type & style
- Home type: Townhouse
- Property subtype: Townhouse
- Attached to another structure: Yes
Materials
- HardiPlank Type
- Roof: Shingle
Condition
- Year built: 1986
Utilities & green energy
- Electric: 220 Volts
- Sewer: Public Sewer
- Utilities for property: Cable Available, Trash Collection
Community & HOA
Community
- Features: Boat Slip, Dock, Laundry Facilities, Waterfront
- Subdivision: Mariners Cove
HOA
- Has HOA: Yes
- Amenities included: Dock, Barbecue, Boat Slip, Storage
- Services included: Electricity, Laundry, Legal/Accounting, Maintenance Grounds, Trash, Water
- HOA fee: $5,100 annually
- Second HOA fee: $425 monthly
Location
- Region: Panama City
Financial & listing details
- Price per square foot: $323/sqft
- Annual tax amount: $887
- Date on market: 8/12/2025
- Listing terms: Cash,Conventional,FHA,VA Loan
- Road surface type: Gravel
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