Experience low-maintenance coastal living in this 3BR/2BA home in Whisper Dunes, located just a half-mile from dedicated beach access. Whisper Dunes remains one of the West End's most desirable primary-residence communities, known for its pet-friendly atmosphere, consistent upkeep, and HOA-covered lawn care that simplifies everyday living. Designed with both durability and comfort in mind, this home features 2x6 construction, Hardie board siding, 6-inch exterior walls, and a 30-year architectural shingle rated for 130 mph winds -- details that matter in today's insurance and long-term ownership landscape. A 5-star energy rating, high-efficiency Low E2 windows, and a 14-SEER heat pump further enhance efficiency and livability. Inside, the open floor plan offers large designer tile throughout, 8-foot doors with craftsman-style trim, and abundant natural light from oversized windows. The kitchen is thoughtfully appointed with stainless appliances, granite countertops, under-cabinet lighting, and generous storage -- creating a functional gathering space that connects seamlessly to the main living area. The primary suite features tray ceilings and an ensuite bath with double vanities and matching granite surfaces. Two additional bedrooms and a full bath provide flexibility for guests, home office needs, or family living. French doors open to a covered porch with a remote-controlled electric screen, extending your living space outdoors. The fenced backyard offers privacy for pets or entertaining, while the garage includes a newly epoxy-coated floor completed in 2025 for a clean, durable finish. Residents of Whisper Dunes enjoy a community pool, cabana, landscaped walking paths, and sidewalks throughout the neighborhood -- all just minutes from Pier Park, 30A, Camp Helen State Park, Lake Powell, and the conveniences of Publix, ALDI, and local dining. For buyers seeking a well-built, low-maintenance home near the beach within a primarily full-time residential setting, this Whisper Dunes property represents a strong opportunity on Panama City Beach's West End.
Single-familyProperty Type
2014Year Built
6,708 sq ftLot Size
$233Price/Sq.Ft.
$262/moHOA Dues
2 car garageParking
Listed by Craig Duran• Berkshire Hathaway HomeServices Beach Properties of Florida
Bought with Dana Ford• Scenic Sotheby's International Realty
Est. $2,822 per month, based on comparable rentals
Sale and tax history for 109 Blue Sage Rd
Sale History
Tax History
Date
Event
Price
CPARMLS #785506
Nov 5, 2026
Sold
$449,000
$233/sq ft
Jul 30, 2026
Price Changed
$449,000
$233/sq ft
May 6, 2026
Price Changed
$465,000
$242/sq ft
Apr 22, 2026
Price Changed
$475,000
$247/sq ft
Mar 30, 2026
Price Changed
$485,000
$252/sq ft
Feb 12, 2026
Listed
$495,000
$257/sq ft
REDFIN #2
Mar 4, 2026
Rental Removed
$2,700
$1/sq ft
Aug 2, 2025
Price Changed
$2,700
$1/sq ft
Oct 14, 2024
Listed for Rent
$2,800
$1/sq ft
NAMLS #964005
May 23, 2025
Listing Removed
—
Apr 15, 2025
Price Changed
$494,000
$257/sq ft
Feb 14, 2025
Price Changed
$494,999
$257/sq ft
Nov 26, 2024
Listed
$499,000
$259/sq ft
CPARMLS #765530
May 23, 2025
Listing Removed
—
Apr 15, 2025
Price Changed
$494,000
$257/sq ft
Feb 14, 2025
Price Changed
$494,999
$257/sq ft
Nov 22, 2024
Listed
$499,000
$259/sq ft
RENT. #1
Oct 14, 2024
Rental Removed
$2,800
$1/sq ft
Sep 13, 2024
Listed for Rent
$2,800
$1/sq ft
CPARMLS #634703
Sep 11, 2015
Sold
$275,000
$143/sq ft
Jul 27, 2015
Listed
$280,000
$146/sq ft
CPARMLS #634655
Jul 29, 2015
Listing Removed
—
Jul 27, 2015
Listed
$280,000
$146/sq ft
CPARMLS #621111
Sep 16, 2014
Sold
$266,110
$138/sq ft
Jun 11, 2014
Listed
$265,655
$138/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$5,360 (+4.8%)
$81,005 + $353,051
$434,056
2024
$5,116 (+9.5%)
2023
$4,671 (+16.7%)
2022
$4,003 (+11.1%)
2021
$3,605 (+9.1%)
$82,984 + $220,997
$303,981
2020
$3,303 (+4.9%)
$81,882 + $195,618
$277,500
2019
$3,149 (+7.8%)
2018
$2,921 (+7.3%)
$57,059 + $178,862
$235,921
2017
$2,722 (+0.8%)
$55,614 + $179,816
$235,430
2016
$2,701 (−2.9%)
$51,797 + $180,752
$232,549
2015
$2,783 (+3,933.3%)
$51,681 + $180,752
$232,433
2014
$69
Public record
Beds
3
Baths
2
Stories
1
Lot width
60 ft.
Lot depth
112 ft.
Lot size
6,708 Sq. Ft.
Year renovated
2014
Sq. Ft.
1,924
Year built
2014
Style
Single Family Residential
County
Bay County
APN
35350250050
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 14, 2026.
Property details
Parking
Garage/Carport Information
Has Garage
# of Garage Spaces: 2
Interior
Bathroom Information
# of Full Bathrooms: 2
Room Information
# of Rooms (Total): 3
Room Types: Bedroom, Primary Bedroom
Room 1 Information
Bedroom
Level: First
Dimensions: 11.8 x 12.6
Length: 11.8
Width: 12.6
Room 2 Information
Bedroom
Level: First
Dimensions: 12.5 x 10
Length: 12.5
Width: 10.0
Room 3 Information
Level: First
Dimensions: 13.8 x 16
Length: 13.8
Width: 16.0
Equipment
Appliances: Electric Oven, Electric Range, Electric Water Heater
Interior Features
Other Features: Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)
Exterior
Building Information
Roof Details: Composition, Shingle
Exterior Features
Patio And Porch Features: Covered, Patio
Fencing: Fenced
Pool and Spa Information
Pool Features: Community
Lot Information
Lot Size Area: 0.15
Lot Size Acres: 0.15
Lot Size Dimensions: 110X60
Lot Features: Sprinkler System
Property Information
Foundation Details: Slab
Financial
Tax Information
Annual Tax Amount: $5,360
Tax Year: 2025
Utilities
Utility Information
Utilities: Electricity Available
Sewer: Public Sewer
Heating & Cooling
Has Cooling
Cooling: Central Air, Ceiling Fan(s)
Has Heating
Heating: Electric
Location
Multi Unit Information
Units Furnished: None
HOA Information
Has Home Owners Association
Association Fee: $785.47
Quarterly
Association Fee Includes: Association Management, Maintenance Grounds, Trash
Association Amenities: Gazebo
Community Information
Community Features: Pool
Public facts
Beds: 3
Baths: 2.0
Sq. Ft.: 1,924
Stories: 1.0
Lot Size: 6,708 square feet
Style: Single Family Residential
Year Built: 2014
Year Renovated: 2014
County: Bay County
APN: 35350250050
Home facts updated by county records on Sep 14, 2026
Around this home
Schools
West Bay Elementary School
Public PreK-5 • Assigned • 5.2mi
7/10
Surfside Middle School
Public PreK-12 • Assigned • 5.8mi
6/10
Provided by GreatSchools
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.46% chance of being in a wildfire in next 30 years
10/10 Heat Factor
7 days above 105° expected this year, 22 days in 30 years
10/10 Wind Factor
99% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Panama City Beach, FL • 32413
Average low and high temperatures (°F)
59
43
65
52
71
57
77
63
80
71
86
76
89
79
87
77
86
72
79
64
73
59
64
48
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
84/ 100
Very good sunlight
Sunscore
This home receives average direct sun exposure in Panama City Beach. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.1 hrs
6.1 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$487,000 – $590,000
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