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$650,000

Beds
4
Baths
3.0
sq ft
2,189

286 N Wells St, Panama City Beach, FL 32413

286 N Wells St

Panama City Beach, FL 32413

  • 10 days on market
SELLER OFFERING 10K TOWARDS CLOSING COSTS ** Beach House Gem in the Gated Community of Laguna Haven: Modern Luxury & Prime Location!** SHORT TERM RENTALS ALLOWED AND ASSUMABLE 4.5% INTEREST RATE FOR QUALIFYING BUYERSWelcome to your dream coastal retreat! This stunning one-story home, built in 2022, offers a modern beach house vibe with exquisite attention to detail throughout. Boasting 4 bedrooms, 2.5 baths, and an open floor plan, this home is perfect for both relaxation and entertainment.Situated on the largest lot in the gated community of Laguna Haven subdivision, the pie-shaped fenced backyard backs up to the conservation park, ensuring privacy and tranquility with no builds behind the house. Step inside to discover the beauty of ceramic tile floors, stainless steel appliances, a stylish tile backsplash, and a screened-in back porch that invites you to unwind in the fresh outdoor air.Enjoy the convenience of low HOA fees, which include front yard maintenance, weekly trash pickup, and more. With only two homes in the neighborhood featuring this floor plan, you'll relish the exclusivity and comfort of this unique property.Indulge in the luxury of double sinks and a huge tile shower in the master bath, accented by trey ceilings in both the master bedroom and living room. The extended 2-car garage, pavered driveway, and added security alarm system further enhance the appeal of this home.For those seeking a smart investment, short-term rentals are allowed, providing a fantastic opportunity for potential income. Additionally, an assumable VA loan at 4.5% is available to active duty members or veterans, making ownership more accessible.Located less than 2 miles from the beach in the sought-after west end of Panama City Beach near Pier Park and 30A, this home combines luxury living with a prime location for the ultimate coastal lifestyle. Don't miss out on this rare find--schedule a showing today to experience beachside living at its finest!

Details

Property type

Single Family Residence

Est. home value

$657,922

Lot size

8,756 sq ft

Price per sq ft

$297

Year built

2022

Annual property taxes

$5,675

Monthly HOA fee

$133.27

Price History

02/14/2025
CentralPanhandle

CentralPanhandle #768859

Listed
$650,000
+1.29%
06/24/2022
CentralPanhandle

CentralPanhandle #725042

Sold
$641,698.16

Schools & Community

Elementary school: 

West Bay

Middle school: 

Surfside

High school: 

Arnold

Community features: 

Gated, Sidewalks

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

$26,936
Asking price
$650,000
Closing costs (~8% of asking)
-$52,000
Est. remaining loan balance
-$571,064
Cash to seller
$26,936

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

Seller’s Loan History

Lender

Mortgage Research Center Llc

Loan start date

June 2022

Original loan amount

$594,345

Est. remaining balance

$571,064

Interest rate

5.27%

Loan type

VA, 30 year

Seller

Shane Charlson and Joy Charlson

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?

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Status: Active

Tomo last checked: 02/24/2025 at 7:45 PM

Listing updated: 02/15/2025 at 4:29 PM

Listed by: Sassy French, Keller Williams Success Realty Phone #: (850) 249-0313

MLS: CentralPanhandle #768859

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