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$410,000

Beds
3
Baths
2.0
sq ft
1,330

103 Monte Palo St, Panama City Beach, FL 32413

103 Monte Palo St

Panama City Beach, FL 32413

  • 3 days on market
    • Open house Mar 30
Discover coastal living at its finest with this charming 3-bedroom, 2-bathroom home in the coveted Open Sands neighborhood of Panama City Beach. Boasting 1,330 square feet of thoughtfully designed space, this residence offers both comfort and convenience. Located just a short stroll from the pristine Gulf beaches, you can indulge in sun-soaked days and breathtaking sunsets whenever you desire. The open-concept layout seamlessly connects the living, dining, and kitchen areas, creating an inviting atmosphere for gatherings and daily living. Situated on a generous lot within a peaceful cul-de-sac, the expansive yard provides ample space for outdoor activities, gardening, or future enhancements. With no HOA restrictions, you have the freedom to personalize your property to your liking. Enjoy the benefits of a friendly community while being in close proximity to local attractions, popular restaurants, multiple beach access points, and the vibrant shopping and entertainment options at Pier Park. Don't miss this opportunity to own a piece of paradise in one of Panama City Beach's most sought-after neighborhoods!

Details

Property type

Single Family Residence

Est. home value

$406,851

Lot size

0.25 acres

Price per sq ft

$309

Year built

1999

Annual property taxes

$3,837

HOA

No

Price History

03/26/2025
CentralPanhandle

CentralPanhandle #770962

Listed
$410,000
+17.31%
09/18/2024
CentralPanhandle

CentralPanhandle #758201

Sold
$349,500
-9.69%
09/02/2024
CentralPanhandle

CentralPanhandle #758201

Pending
$387,000

Schools & Community

Elementary school: 

Hutchison Beach

Middle school: 

Surfside

High school: 

Arnold

Negotiation Insights

Before you make an offer, understand who you are negotiating with so you can tailor your negotiation strategy to their situation.

Seller could get up to

$121,987
Asking price
$410,000
Closing costs (~8% of asking)
-$32,800
Est. remaining loan balance
-$255,213
Cash to seller
$121,987

This is an estimate of how much the seller could receive at closing after paying off the outstanding mortgage.

Seller’s Loan History

Lender

Waterstone Mortgage Corp

Loan start date

July 2021

Original loan amount

$277,355

Est. remaining balance

$255,213

Interest rate

2.99%

Loan type

New Conventional, 30 year

Seller

Jason Dukes and Krystal Dukes

Source: Public records data

If you're the owner, you can request to remove loan details. Email listingsupport@tomo.com

How insights can help you

Interest rate

If the seller has a low interest rate, they may be tempted to rent the property out if they can't get the price they have in mind.

Motivation

If the seller already got a job in a different city, they may feel pressure to sell quickly to free up cash for a new home.

Equity

If the seller stands to receive a large amount of cash when they sell the property, they might be willing to negotiate on the offer price.

Interested in learning more?

Status: Active

Tomo last checked: 03/30/2025 at 12:20 AM

Listing updated: 03/28/2025 at 12:10 AM

Listed by: Scott A Moon, Century 21 BE3 Phone #: (800) 541-9923

MLS: CentralPanhandle #770962

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