357 Emerald Cove Street, Panama City Beach, FL 32407

$455,000

4BR/3.5BA Azalea floor plan in Emerald Cove Villas. Assumable 2.5% VA loan and paid-off solar panels. Built 2020. Over $58K Seller Upgrades! ASSUMABLE 2.5% VA LOAN AVAILABLE FOR QUALIFIED BUYERS PLUS FULLY PAID SOLAR PANELS CONVEY AT CLOSING. Welcome to 357 Emerald Cove Street, where modern coastal living… Read More meets exceptional value in one of Panama City Beach's most desirable newer communities. Situated on a premium lot in Emerald Cove Villas, this 4-bedroom, 3.5-bathroom Azalea floor plan offers approximately 2,470 square feet of thoughtfully designed living space. One of the home's most compelling advantages is the opportunity for qualified buyers to assume the existing VA loan with a 2.5% interest rate. In today's market, opportunities like this are increasingly rare. Adding even more value, fully paid-off solar panels to convey at closing, allowing the next owner to enjoy the benefits of energy-efficient living with fully-owned solar panels from day one. Designed for both everyday functionality and entertaining, the highly sought-after Azalea floor plan features a first-floor primary suite, providing privacy and convenience rarely found at this price point. The open-concept kitchen includes a center island, pantry, recessed lighting, an updated backsplash, and a newer refrigerator and flows seamlessly into the dining and living spaces. Upstairs, three additional bedrooms are complemented by a spacious bonus living area that can easily serve as a media room, home offic fitness space, or second gathering area. Move-in-ready improvements continue throughout the property. Upgraded interior paint, a security system, garage shelving, additional outdoor storage, and an outdoor shower enhance everyday living. Outside, professionally enhanced landscaping/hardscaping creates a welcoming backyard retreat complete with fruit trees including peach, lemon, and orange varieties. Stone accents, paver details, covered porches, and a fully fenced backyard with fruit trees backing up to preserve add both beauty and practicality. Emerald Cove Villas has become a favorite among buyers seeking newer construction with convenient access to everything Panama City Beach has to offer. Located conveniently just north of the Hathaway Bridge, residents enjoy a community dog park, sidewalks, and street lighting, all with low HOA fees and a prime location just minutes from retail, dining, recreation, NSA Panama City, St Andrews Bay Marinas, the Panama City Beach Sports Complex, and the Gulf's sugar-white beaches and. The location also provides convenient access to NSA Panama City and Tyndall Air Force Base. Offered at $455,000, this home delivers a combination of features that is increasingly difficult to find: newer construction, a flexible floor plan, fully-owned solar panels providing very low utility bill, a premium preserve-view lot, and the potential advantage of an assumable 2.5% VA loan for qualified buyers. If you've been waiting for a large 4 BR Panama City Beach home that offers a great location, gorgeous curb appeal and style, thoughtful upgrades and energy efficiencies, 357 Emerald Cove Street deserves your attention. Schedule your private showing and experience firsthand why this home stands apart from the competition. Catch it while you can! Read Less

Courtesy of Rachel L Simerly, Compass.

Listing Snapshot

Days Online

Last Updated

Aug 2, 2026

Beds

Square Ft.

2,470

Lot Size

0.13 Acres

Year Built

2020

MLS Number

1006125

30 Days Snapshot Of 32407

$449k

+21%

(avg) sold price

-33%

homes sold

190

+3%

(avg) days on market

Snapshot

Area Map

Additional Details

Lot

0.13 acres, 5,663 square feet, Area: 0, Covenants, Curb & Gutter, Easements, Interior, Restrictions, Sidewalk, Survey Available

Property Access

Road frontage: City Street, Road surface: Paved

Building

Architectural style: Craftsman Style, Total area: 2,470, Built in 2020

Cooling

Ceiling Fans, Central Air

Exterior Features

Rain Gutter, Fenced Back Yard, Shower, Yard Building

Fence

Fenced Privacy

Garage

2 spaces

Heating

Central

Interior Features

Breakfast Bar, Lighting Recessed, Pull Down Stairs, Split Bedroom, Washer/Dryer Hookup

Parking

Garage

Taxes

Annual amount: $4,722

Windows

Window Treatmnt Some, Double Pane Windows

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