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.
Single-familyProperty Type
1961Year Built
7,405 sq ftLot Size
$256Price/Sq.Ft.
2 spacesParking
Listed by The Beach Group Properties Lavin• The Beach Group Properties LLC
Bought with Golden Coast Real Estate, LLC Roland• Golden Coast Real Estate LLC
Est. $2,009 per month, based on comparable rentals
Sale and tax history for 197 Cobb Rd
Sale History
Tax History
Date
Event
Price
CPARMLS #781789
May 8, 2026
Sold
$250,000
$256/sq ft
Feb 23, 2026
Price Changed
$299,000
$306/sq ft
Jan 4, 2026
Price Changed
$309,000
$316/sq ft
Nov 22, 2025
Listed
$329,000
$336/sq ft
+16
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.
ECAR #989744
May 8, 2026
Sold
$250,000
$256/sq ft
May 3, 2026
Pending
—
Feb 23, 2026
Price Changed
$299,000
$306/sq ft
Jan 7, 2026
Price Changed
$309,000
$316/sq ft
Nov 16, 2025
Listed
$329,000
$336/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$1,455 (+8.3%)
$61,702 + $51,109
$112,811
2024
$1,343 (+7.8%)
2023
$1,245 (+16.6%)
2022
$1,068 (−0.8%)
$47,319 + $38,111
$85,430
2021
$1,077 (+3.3%)
$47,319 + $36,612
$83,931
2020
$1,042 (+1.7%)
$46,248 + $33,877
$80,125
2019
$1,025 (−0.1%)
$43,766 + $34,135
$77,901
2018
$1,026 (+20.7%)
$42,243 + $34,393
$76,636
2017
$850 (+2.4%)
$35,983 + $34,651
$70,634
2016
$830 (−3.4%)
$35,983 + $34,910
$70,893
2015
$859 (−1.9%)
$35,983 + $35,168
$71,151
2014
$876
Public record
Beds
2
Baths
1
Stories
1
Lot width
60 ft.
Lot depth
125 ft.
Lot size
7,492 Sq. Ft.
Year renovated
1981
Sq. Ft.
978
Year built
1961
Style
Single Family Residential
County
Bay County
APN
38360000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 14, 2026.
Property details
Parking
Parking Information
# of Driveway Spaces: 2
Interior
Bedroom Information
# of Bedrooms: 2
Bathroom Information
# of Bathrooms: 1
# of Baths (Full): 1
Living Room Information
Living Room Level: First
Room Information
# of Rooms: 4
Heating & Cooling
Has Cooling
Cooling: Window Unit(s)
Appliances
Appliances: Refrigerator
Room 1 Information
Room 1 Type: Bedroom
Room 1 Level: First
Room 1 Length: 10.0
Room 1 Width: 11.0
Room 2 Information
Room 2 Type: Bedroom
Room 2 Level: First
Room 2 Length: 10.0
Room 2 Width: 11.0
Room 3 Information
Room 3 Type: Living Room
Room 3 Level: First
Room 3 Length: 13.0
Room 3 Width: 14.0
Room 4 Information
Room 4 Type: Family Room
Room 4 Level: First
Room 4 Length: 8.0
Room 4 Width: 18.0
Exterior
Building Information
Construction Materials: Stucco
Total Building Area (Sq. Ft.): 978.0
Building Area Source: County PA Records
Exterior Features
Other Structures: Workshop
Pool Information
Pool Type: None
Stories
Stories: 1
Style
Architectural Style: Beach House
Year Built
Year Built: 1961
Lot Information
Lot Features: Within 1/2 Mile to Water
Lot Size (Acres): 0.17
Lot Size (Sq. Ft.): 7405.2
Lot Size Dimensions: 60x125
Road Frontage Type: City Street
Lot/Parcel Access: City Road
Zoning: Resid Single Family
View
View: Gulf
Financial
Tax Information
Tax Annual Amount: $1,342.83
Tax Year: 2024
Utilities
Utility Information
Energy Features: AC - Window/Wall
Utilities: Public Sewer, Public Water
Water Source: Public
Location
School Information
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Community Information
Subdivision Name: SUNTIME BEACH
Public facts
Beds: 2
Baths: 1.0
Sq. Ft.: 978
Stories: 1.0
Lot Size: 7,492 square feet
Style: Single Family Residential
Year Built: 1961
Year Renovated: 1981
County: Bay County
APN: 38360000000
Home facts updated by county records on Sep 14, 2026
Around this home
Schools
Surfside Middle School
Public PreK-12 • Assigned • 3.4mi
7/10
Provided by GreatSchools
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
4/10 Fire Factor
1% chance of being in a wildfire in next 30 years
10/10 Heat Factor
7 days above 105° expected this year, 23 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
88
79
87
77
85
74
80
65
73
59
64
48
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.5 hours in
June and 5.6 hours in December, placing it above the
U.S. average for solar exposure.
9.5 hrs
5.6 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$295,000 – $357,000
Reach more buyers when you sell with Redfin. Plus, you'll save $3,100 in fees.