Skip to main content
Back to Search Results
|

103 N Cove Avenue, Panama City, FL 32401

Show All 48 Photos
For Sale
Sale Pending

$289,900

3 beds • 1 baths • 1,198 sqft

Estimated Payment

$ 1,506 /mo. †

6.76% APR for 30 yrs.
$0 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $241.99
    Price per square foot

  • Over 50 Years Old
    Age

Explore this Property

'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS'Looking for a great deal in the Cove? Look no further - 103 N Cove Ave in Panama City, FL should be your pick! Take a look at this absolutely charming home! This brick, 3 bedroom, 1 bath home with hardwood floors, functional kitchen and bathroom has so many extras! There's a mudroom off the kitchen, perfect for a huge walk through pantry - relocate the washer dryer to this area, extend the kitchen - your only limitation is your imagination! You'll love the adorable breezeway between the house and the garage. Where, again, you can make this into the cutest family room, entertainment room, so many options. And! That's not all! There's a one car garage attached through the breezeway AND a separeate building that would make a great ADU (accessory dwelling unit) - air b and b, Mother in law house, sky is the limit here! Beautiful corner lot, oversized driveway with 2 carports - one attached to the garage - one attached to the detached building/workshop. Cherry St was just paved and is a great thoroughfare. The Cove is one of Panama City's oldest historic neighborhoods and it's location is very central - in close proximity to shopping, Ascension Sacred Heart Hospital, and all that Panama City has to offer. Don't miss out on this rare opportunity to own a piece of history with modern conveniences. (all sizes approximate and taken from public records, buyer to verify any details buyer deems important).
MLS# 767807

Courtesy Of Beachy Beach Real Estate

(850) 527-5651

Property Features

  • Age
    Over 50 Years Old
  • Amenities
    Ceiling Fan
  • Appliances
    Cooktop, Dishwasher, Microwave, Oven, Refrigerator, Washer
  • Architecture Style
    Ranch
  • Cooling System
    Ceiling Fan(s)
  • Exterior Type
    Brick, Brick Veneer, Vinyl Siding
  • Heating System
    Central Furnace
  • Lot Size
    0.22 Acres
  • Rooms
    Dining Room, Kitchen, Living Room, Workshop

Map and Directions

Directions to 103 N Cove Avenue, Panama City, FL 32401

Home seller CENTURY 21 Ryan Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Ryan Realty

(850) 233-7926
Learn More About Us

Mortgage Calculator

$
$ %
Loan Term
%
Invalid number

$ /year
$ /year
$ /month

Monthly Payment Breakdown

  • Principle and Interest
    $1,506
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,506

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Merriam Cherry Street Elementary School

Grades PK-5 Public School

Panama City, FL 32401 0.5 miles
1125 cherry st

444 total students
18:1 Student teacher ratio

School Rating: C-

School Details
Other Nearby Schools Distance Type Grades School Rating
Margaret K. Lewis In Millville 0.7 miles Public PK-12
Eagle Nest Christian Academy 0.7 miles Private PK-12
Holy Nativity Episcopal School 1 miles Private PK-8
Rosenwald High School 1.4 miles Public 6-12 F
Rutherford High School 1.9 miles Public 6-12 D+
Chautauqua Charter School 2 miles Public 9-12
Bay High School 2.1 miles Public 9-12 B-
Cedar Grove Elementary School 2.1 miles Public PK-5 F
Parker Elementary School 2.3 miles Public PK-5 C-
Jinks Middle School 2.4 miles Public 6-8 D
Palm Bay Elementary School 2.8 miles Public KG-5 C
Palm Bay Preparatory Academy 6-12 2.8 miles Public 6-12 B+
Exceptional Student Education 2.9 miles Public PK-12
Bay Virtual Instruction Program (district Provided) 2.9 miles Public KG-12 C+
Bay Virtual Franchise 3.2 miles Public KG-12 B-
Bay Virtual Instruction (course Offerings) 3.2 miles Public 9-12
Bay Virtual Instruction Program 3.2 miles Public KG-11
St John Catholic School 3.4 miles Private KG-8
Kaleidoscope School Of Discovery 3.4 miles Private KG-12

Margaret K. Lewis In Millville

Distance: 0.7 miles

Type Public

Grades: PK-12

Eagle Nest Christian Academy

Distance: 0.7 miles

Type Private

Grades: PK-12

Holy Nativity Episcopal School

Distance: 1 miles

Type Private

Grades: PK-8

Rosenwald High School

Distance: 1.4 miles

Type Public

Grades: 6-12

F

Rutherford High School

Distance: 1.9 miles

Type Public

Grades: 6-12

D+

Chautauqua Charter School

Distance: 2 miles

Type Public

Grades: 9-12

Bay High School

Distance: 2.1 miles

Type Public

Grades: 9-12

B-

Cedar Grove Elementary School

Distance: 2.1 miles

Type Public

Grades: PK-5

F

Parker Elementary School

Distance: 2.3 miles

Type Public

Grades: PK-5

C-

Jinks Middle School

Distance: 2.4 miles

Type Public

Grades: 6-8

D

Palm Bay Elementary School

Distance: 2.8 miles

Type Public

Grades: KG-5

C

Palm Bay Preparatory Academy 6-12

Distance: 2.8 miles

Type Public

Grades: 6-12

B+

Exceptional Student Education

Distance: 2.9 miles

Type Public

Grades: PK-12

Bay Virtual Instruction Program (district Provided)

Distance: 2.9 miles

Type Public

Grades: KG-12

C+

Bay Virtual Franchise

Distance: 3.2 miles

Type Public

Grades: KG-12

B-

Bay Virtual Instruction (course Offerings)

Distance: 3.2 miles

Type Public

Grades: 9-12

Bay Virtual Instruction Program

Distance: 3.2 miles

Type Public

Grades: KG-11

St John Catholic School

Distance: 3.4 miles

Type Private

Grades: KG-8

Kaleidoscope School Of Discovery

Distance: 3.4 miles

Type Private

Grades: KG-12

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Panama City, FL 32401

Tour the area

Schedule a
tour with a
personal guide

Panama City, FL 32401

This community’s employment is highest in the healthcare practitioners and production occupations industries. The area’s overall household expenses are below the national average.

90° July
Hottest Average Month
43° January
Coldest Average Month
7,821 Total Households in Area
6.4% Increase in population since the year 2010
24.1%
of households
have children
21 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Panama City, FL 32401

Panama City, FL 32401 has a population of 18,208 people in 7,821 households with a median age of 43.1 years old.

6.4%
Increase in population
since the year 2010
Population is Trending up
6,991
Total households as of 2010
9.6%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 43.1 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 56%
Black 28%
Hispanic 9%
Other 4%
Asian 2%
Native American <1%
The most prevalent ethnicity is White at 56%, followed by Black at 28%, Hispanic at 9%, and Other at 4%.

Economics
for Panama City, FL 32401

1,587 /sq mi
Population Density
$45,284 /yr
Median Household Income
$210,000
Median Sales Price
21 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 21.08% of the households.

Transportation to Work

  • Drive 93%
  • Work from Home 3%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Owned 4,600 50%
Rented 3,221 35%
Vacant 1,426 15%

White vs Blue Collar Jobs







White Collar 70%
Blue Collar 30%

Family & Education Facts
for Panama City, FL 32401

43.1 Median Age

Average Household Size

2.3
persons per
household

31.3%

Married Households

Community Population By Education

High School Graduate 33%
Some College 24%
Some High School 16%
Bachelors Degree 12%
Associates Degree 9%
Graduate Degree 7%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 33.4% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
24.1% of households have children

Weather
for Panama City, FL 32401

The weather for this area ranges from a high of 90° F in July to a low of 43° F in January

90° July
Hottest Average Month
43° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
43°
63°
Feb
45°
65°
Mar
51°
71°
Apr
57°
77°
May
65°
84°
Jun
71°
89°
Jul
74°
90°
Aug
74°
90°
Sep
70°
88°
Oct
60°
81°
Nov
51°
72°
Dec
45°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

Tour the area

Schedule a
tour with a
personal guide

There's more to learn about Panama City, FL 32401!
Explore more local area information

An Equal Opportunity Company

Copyright © 2025 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Loading