A rare offering in Panama City's treasured Cove neighborhood, this historically recognized three-bedroom, three-bath residence has been exquisitely reimagined with luxurious finishes and enduring character. Ideally situated on a spacious double lot totaling 0.34 acres, this home offers convenient alley access and ample room for expansion, all without the limitations of an HOA. Originally built in 1927 and recently repainted in its original hue, the home's thoughtful renovation preserves its heritage while offering the comforts of modern living. Inside, you'll find a beautifully reinstalled wood-paneled ceiling, refinished mahogany built-ins and all-new infrastructure--electrical, plumbing, insulation and HVAC--paired with high-end touches like Brizo fixtures, honed quartz countertops, and cherry cabinetry. The chef's kitchen is a standout, boasting a Dacor Pro 30-in. gas range, Blanco sink, quiet Samsung appliances and a walk-in butler's pantry with a second full-sized refrigerator and dual ice makers. The three full baths are each individually styled: the rear primary suite features Portuguese tile, a zero-entry shower and furniture-style vanity; the middle bath offers a deep soaking tub; and the front primary showcases antimicrobial tile for a mold-free environment. An interior laundry room with LG appliances adds convenience, and solar panels provide energy efficiency. Positioned less than a block from Holy Nativity Episcopal School and just a short stroll to the downtown waterfront district, residents can easily access dining, boutiques and the St. Andrews Bay Yacht Club. With sidewalks, alleyways, golf-cart accessibility and ancient oaks lining the streets, The Cove is cherished for its coastal charm and community spirit--making this home a one-of-a-kind legacy property in the heart of Panama City. Buyer to verify all data and approximate dimensions if important.
For sale
$440,000
109 Hamilton Ave, Panama City, FL 32401
3beds
2,076sqft
Est.:
Single Family Residence
Built in 1927
0.34 Acres Lot
$419,600 Zestimate®
$212/sqft
$-- HOA
What's special
- 40 days
- on Zillow |
- 978 |
- 82 |
Zillow last checked: 7 hours ago
Listing updated: May 20, 2025 at 12:19pm
Listed by:
Dana Ford 850-774-3443,
Scenic Sotheby's International Realty
Source: CPAR,MLS#: 773737
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: 3
- Bathrooms: 3
- Full bathrooms: 3
Rooms
- Room types: Family Room, Primary Bedroom, Screened Porch
Primary bedroom
- Description: Front Master Bedroom
- Level: First
- Area: 240
- Dimensions: 16 x 15
Family room
- Level: First
- Area: 252
- Dimensions: 18 x 14
Screened porch
- Description: Enclosed Porch
- Level: First
- Area: 294
- Dimensions: 21 x 14
Cooling
- Central Air
Appliances
- Included: Dryer, Dishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
Features
- Bookcases, Coffered Ceiling(s), Pantry, Split Bedrooms
- Has fireplace: Yes
- Fireplace features: Outside
Interior area
- Total interior livable area: 2,076 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Additional Parking, Alley Access, Boat, Drive Through, Driveway, Detached, Garage, Oversized
- Garage spaces: 1
- Covered spaces: 2
- Has uncovered spaces: Yes
- Details: Driveway Spaces:4.00
Features
- Patio & porch: Covered, Porch, Screened
- Exterior features: Porch
- Pool features: None
- Fencing: Fenced,Partial,Privacy
Lot
- Size: 0.34 Acres
- Dimensions: 106 x 140
Details
- Additional structures: Garage(s), Outbuilding
- Parcel number: 20821000000
- Zoning description: Resid Single Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Other, See Remarks, Wood Siding
- Roof: Shingle
Condition
- Year built: 1927
Utilities & green energy
- Utilities for property: Cable Available, Cable Connected, Other, See Remarks, Trash Collection
Community & HOA
Community
- Features: Short Term Rental Allowed, Sidewalks
- Subdivision: Cove
HOA
- Has HOA: No
Location
- Region: Panama City
Financial & listing details
- Price per square foot: $212/sqft
- Tax assessed value: $221,437
- Annual tax amount: $2,188
- Date on market: 5/20/2025
- Listing terms: Conventional,FHA,VA Loan
- Road surface type: Paved
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