Coastal Vibes Luxury Beach Group

Colonial

3946 Whitehead Boulevard

Panama City , FL 32404

MLS#: 771782

$515,000

Status: Active
Listing number: 771782
Listing provided by: Epique Realty Inc
Listing agent phone: None
Last update: 25 days ago
On site: 11 months ago
Browse Properties
Manors of Magnolia Hills - Residential

Property

Beds

5

Full Baths

3

1/2 Baths

1

Year Built

2019

Sq.Footage

4,032

**2.25% ASSUMABLE VA LOAN + $7,500 CARPET CREDIT!** Assume the seller's 2.25% VA loan with $303,000 balance at just $1,839/month (P&I)—save $915/month vs. current 7% rates. That's $10,980/year or $220,000+ over 30 years in interest savings. PLUS choose your own carpet style with a generous $7,500 credit at closing. Requires approximately $212,000 down to assume. Perfect for military relocations, cash-strong buyers, or anyone with equity from a previous home sale. **SPACIOUS 5BR/3.5BA HOME WITH ENERGY SAVINGS:** This 4,032 sq ft home features an open-concept floor plan with main-level primary suite (walk-in closet, double vanity, separate shower, soaking tub), plus four additional bedrooms and oversized bonus room upstairs. Enjoy pond views from the covered back patio or launch your included John boat for fishing. The Jack-and-Jill bath upstairs and welcoming foyer add convenience and charm. Energy-efficient features put money back in your pocket: fully paid-off solar panels save $200-$300/month, dual HVAC systems with UV air purifiers, and average total utilities of just $150-$200/month. One-year home warranty included. **CUSTOMIZE YOUR FLOORING:** Seller's $7,500 carpet credit at closing lets you choose luxury plush, pet-friendly materials, or any premium style you prefer. **PRIME MAGNOLIA HILLS LOCATION:** Located in family-friendly Manors of Magnolia Hills with playground just out your front door and only 20 minutes to Tyndall AFB. Easy access to Cedar Grove Elementary, Merritt Brown Middle, and Bay High School. Close to shopping, dining, and major roadways. Additional features include large backyard storage shed, fenced yard, sprinkler system, and covered front porch. **WHY THIS IS A RARE OPPORTUNITY:** Assumable loans at 2.25% are virtually extinct. Most buyers face 7%+ rates, paying nearly $1,000 more monthly for the same loan amount. You'll save $915/month—enough to recoup the higher down payment through lower payments in just 10 years, then profit for the remaining 20 years. The combination of below-market financing, paid-off solar panels, and flooring customization flexibility makes this an unbeatable value in Bay County. Property is tenant-occupied with immediate possession at closing. Buyer must be VA-eligible to assume this one. Schedule your showing today—don't miss this exceptional financing opportunity!

Features & Amenities

Interior

  • Other Interior Features

    Bidet, Smart Home, Entrance Foyer, Pantry, Storage

  • Total Bedrooms

    5

  • Bathrooms

    3

  • 1/2 Bathrooms

    1

  • Cooling YN

    YES

  • Cooling

    Central Air, Ceiling Fan(s)

  • Heating YN

    YES

  • Heating

    Central, Electric

  • Pet friendly

    N/A

Exterior

  • Garage

    Yes

  • Garage spaces

    2

  • Construction Materials

    Brick Veneer, Vinyl Siding

  • Patio and Porch Features

    Covered, Patio, Porch

  • Pool

    No

Area & Lot

  • Lot Features

    Cul-De-Sac, Paved

  • Lot Size(acres)

    0.33

  • Property Type

    Residential

  • Property Sub Type

    SingleFamilyResidence

  • Architectural Style

    Colonial

Price

  • Sales Price

    $515,000

  • Tax Amount

    $5,061

  • Zoning

    Resid Single Family

  • Sq. Footage

    4, 032

  • Price/SqFt

    $127

HOA

  • Association

    Yes

  • Association Fee Includes

    N/A

School District

  • Elementary School

    Cedar Grove

  • Middle School

    Merritt Brown

  • High School

    Bay

Property Features

  • Stories

    2

  • Accessibility Features

    Central Living Area, Visitor Bathroom

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Location

County

Bay

Elementary School

Cedar Grove

Middle School

Merritt Brown

High School

Bay

Listing Courtesy of Michele Monastra , Epique Realty Inc

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Agent Megan Rhinerson

Realtor

Megan Rhinerson

Call Megan today to schedule a private showing.

(850) 326-7294

megan@coastalvibeslux.com


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**2.25% ASSUMABLE VA LOAN + $7,500 CARPET CREDIT!** Assume the seller's 2.25% VA loan with $303,000 balance at just $1,839/month (P&I)—save $915/month vs. current 7% rates. That's $10,980/year or $220,000+ over 30 years in interest savings. PLUS choose your own carpet style with a generous $7,500 credit at closing. Requires approximately $212,000 down to assume. Perfect for military relocations, cash-strong buyers, or anyone with equity from a previous home sale. **SPACIOUS 5BR/3.5BA HOME WITH ENERGY SAVINGS:** This 4,032 sq ft home features an open-concept floor plan with main-level primary suite (walk-in closet, double vanity, separate shower, soaking tub), plus four additional bedrooms and oversized bonus room upstairs. Enjoy pond views from the covered back patio or launch your included John boat for fishing. The Jack-and-Jill bath upstairs and welcoming foyer add convenience and charm. Energy-efficient features put money back in your pocket: fully paid-off solar panels save $200-$300/month, dual HVAC systems with UV air purifiers, and average total utilities of just $150-$200/month. One-year home warranty included. **CUSTOMIZE YOUR FLOORING:** Seller's $7,500 carpet credit at closing lets you choose luxury plush, pet-friendly materials, or any premium style you prefer. **PRIME MAGNOLIA HILLS LOCATION:** Located in family-friendly Manors of Magnolia Hills with playground just out your front door and only 20 minutes to Tyndall AFB. Easy access to Cedar Grove Elementary, Merritt Brown Middle, and Bay High School. Close to shopping, dining, and major roadways. Additional features include large backyard storage shed, fenced yard, sprinkler system, and covered front porch. **WHY THIS IS A RARE OPPORTUNITY:** Assumable loans at 2.25% are virtually extinct. Most buyers face 7%+ rates, paying nearly $1,000 more monthly for the same loan amount. You'll save $915/month—enough to recoup the higher down payment through lower payments in just 10 years, then profit for the remaining 20 years. The combination of below-market financing, paid-off solar panels, and flooring customization flexibility makes this an unbeatable value in Bay County. Property is tenant-occupied with immediate possession at closing. Buyer must be VA-eligible to assume this one. Schedule your showing today—don't miss this exceptional financing opportunity!

3946 Whitehead Boulevard

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