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For sale
    • Price cut: $10K (2/23)
    $299,000

    197 Cobb Rd, Panama City Beach, FL 32413

    2beds
    978sqft
    : 
    Single Family Residence
    Built in 1961
    7,405.2 Square Feet Lot
    $278,100 Zestimate®
    $306/sqft
    $-- HOA

    What's special

    Very rare property in PCB! Family home since 1984. Walking distance to the Gulf and NO HOA. City of PCB does not allow Short Term Rentals on this street. Used exclusively as a beach getaway. Home is in need of many repairs as the value is in the lot. Sellers will look at all offers. Cash or conventional loans ONLY! Home will not qualify for VA or FHA financing.
    134 days
    |
    1,365
    |
    30
    |

    Zillow last checked: 7 hours ago

    Listing updated: April 04, 2026 at 04:48pm

    Listed by:

    John Lavin 850-496-7240,

    BEACH GROUP PROPERTIES, LLC

    Source: CPAR,MLS#: 781789MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

    Tour with a local agent

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 1
      • Full bathrooms: 1
      Rooms
      • Room types: Bedroom
      Bedroom
      • Level: First
      • Dimensions: 10 x 11
      Bedroom
      • Level: First
      • Dimensions: 10 x 11
      Interior area
      • Total structure area: 978
      • Total interior livable area: 978 sqft

      Property

      Features
      • Levels: One
      • Stories: 1
      • Has view: Yes
      • View description: Gulf
      • Has water view: Yes
      • Water view: Gulf
      Lot
      • Size: 7,405.2 Square Feet
      • Dimensions: 60 x 125
      Details
      • Parcel number: 38360000000
      • Zoning description: Resid Single Family
      • Special conditions: Listed As-Is

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Coastal
      • Property subtype: Single Family Residence
      Materials
      • Stucco
      Condition
      • New construction: No
      • Year built: 1961

      Utilities & green energy

      • Sewer: Public Sewer
      • Utilities for property: Underground Utilities

      Community & HOA

      Community
      • Subdivision: Suntime Beach U-1
      HOA
      • Has HOA: No
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $306/sqft
      • Tax assessed value: $103,905
      • Annual tax amount: $1,343
      • Date on market: 11/22/2025
      • Cumulative days on market: 132 days
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        Estimated market value

        $278,100

        $264,000 - $292,000

        $1,838/mo

        Price history

        Price history
        DateEventPrice
        2/23/2026Price change$299,000-3.2%$306/sqft
        Source: CPAR #781789 Report a problem
        1/4/2026Price change$309,000-6.1%$316/sqft
        Source: CPAR #781789 Report a problem
        11/21/2025Listed for sale$329,000+761.3%$336/sqft
        Source: ECAOR #989744 Report a problem
        11/1/1984Sold$38,200$39/sqft
        Source: Agent Provided Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2024$1,343 +7.8%$103,370 +10%
        2023$1,245 +16.6%$93,973 +10%
        2022$1,068 $85,430
        2021-- --
        2020$1,042 +1.7%$80,125 +2.9%
        2019$1,025 $77,901 +1.7%
        2018$1,025 -0.1%$76,636 +8.5%
        2017$1,026 +20.7%$70,634 -0.4%
        2016$850 -1.1%$70,893 -0.4%
        2015$859 $71,151 -2.1%
        2014$859 $72,706 +0.1%
        2013-- $72,626
        2012-- $72,626 -3.4%
        2011-- $75,173 -2%
        2010-- $76,704 -15.3%
        2009-- $90,531 -4.9%
        2008-- $95,165 -28.9%
        2007-- $133,920 -19.9%
        2006-- $167,174 +173.7%
        2005-- $61,089 +40.1%
        2004-- $43,612 +9.4%
        2003-- $39,868 +6%
        2002-- $37,622
        2001-- $37,622 +9.2%
        2000-- $34,441

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $1,797/mo
        Principal & interest
        $1481
        Property taxes
        $316
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          Climate risks

          Neighborhood: 32413

          Getting around

          24 / 100
          Car-Dependent
          44 / 100
          Somewhat Bikeable

          Nearby schools

          GreatSchools rating
          Schools provided by the listing agent
          • Elementary: West Bay
          • Middle: Surfside
          • High: Arnold

          Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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