Rare opportunity to own a true live-work lifestyle property in the heart of Panama City with no HOA restrictions, multiple outbuildings, RV/boat parking, and a large workshop complete with car lift. Situated on a spacious 0.65-acre corner lot, this 3-bedroom, 2-bath residence offers 2,294 square feet of heated and cooled living space, including approximately 400 additional square feet of versatile flex space--ideal for 4th Bedroom, a game room, home office, or additional usable area to suit a variety of needs. What truly sets this property apart is the exceptional storage and functionality provided by multiple outbuildings and storage sheds, offering endless possibilities for workshops, studios, or secure storage. This unique setup makes the property an excellent fit for contractors, car enthusiast, hobbyists, or anyone needing space for tools, and equipment.
Single-familyProperty Type
1988Year Built
0.65 acresLot Size
$251Price/Sq.Ft.
4 garage spacesParking
Listed by Dedicated Luxury Property Specialist Fillingim• Keller Williams Success Realty
St. Andrews Bay, located between North Bay and the Gulf of Mexico, is a waterfront and residential Lynn Haven neighborhood with broad open-water views and a steady salt-air breeze. The shoreline reads as docks, boat lifts, and low-slung homes that keep the focus on the water. The neighborhood’s character concentrates around the Lynn Haven Sports Complex area off Hwy 77, where ballfields, courts, and weekend activity set the tempo. For local pillars, the Panama City Marina, St. Andrews State Park, and the Science & Discovery Center of Northwest Florida frame the area’s boating, beachgoing, and hands-on culture. Days tend to revolve around fishing runs, paddle routes, and sunset drives along the bay.
Provided by Walk Score and Local Logic
Offer insights
437 W Baldwin Rd · $574,900
$569K and above
75% chance or better to win
Why $569K+ is a strong offer
DAYS ON MARKET
159 days
The average home goes pending in 78 days.
SALE-TO-LIST
97.2%
Most homes are selling 3% below list price.
About offer insights
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Living
Dining
Interior features
Bookcases
Cathedral ceilings
Crown molding
Fireplace
Kitchen island
Pantry
Built-in shelving
Washer/dryer hookup
Painted woodwork
Window treatments
Bay window
Bedrooms
3 bedrooms
Master bedroom on the first floor with walk-in closet, separate shower, and double vanity
Bathrooms
2 full bathrooms
Kitchen
Cooktop
Dishwasher
Microwave
Refrigerator
Trash compactor
Laundry & utility
Washer/dryer hookup
Electric water heater
Heating & cooling
Central heating
Central air
Ceiling fans
Exterior features
Private yard
Sprinkler system
Yard building
Separate living area
Covered patio
Porch
Privacy fencing
Workshop
Home design
Single-story traditional home
Built in 1988
Parking
Detached garage (4 car capacity)
Converted garage
Oversized garage
Covered parking
RV, boat and golf cart parking/access
Driveway with about 8 spaces
Security
Smoke detectors
Construction
Brick construction
Shingle roof
Slab foundation
Utilities
Public water
Public sewer
Electric service
HOA & community
Located in Huntingdon Estates Unit 1
Electricity and solar
View estimated energy costs and solar savings for this home
Rare opportunity to own a true live-work lifestyle property in the heart of Panama City with no HOA restrictions, multiple outbuildings, RV/boat parking, and a large workshop complete with car lift. Situated on a spacious 0.65-acre corner lot, this 3-bedroom, 2-bath residence offers 2,294 square feet of heated and cooled living space, including approximately 400 additional square feet of versatile flex space--ideal for 4th Bedroom, a game room, home office, or additional usable area to suit a variety of needs. What truly sets this property apart is the exceptional storage and functionality provided by multiple outbuildings and storage sheds, offering endless possibilities for workshops, studios, or secure storage. This unique setup makes the property an excellent fit for contractors, car enthusiast, hobbyists, or anyone needing space for tools, equipment, or recreational gear, and may present income-producing opportunities depending on use. The expansive corner lot provides ample room for RV or boat storage, with easy access and no HOA restrictions. Two of the three buildings have electricity and the large 20 x 50 storage has a car lift. One of the buildings have an epoxy poured floor. Inside, the home features a spacious family room designed for both everyday living and entertaining, highlighted by decorative moldings and a wood-burning fireplace that anchors the main living area. The dining area flows seamlessly into the well-appointed kitchen area which features oak cabinetry, a center island, solid surface countertops, and upgraded appliances. A light-filled bay window overlooks the covered patio and fenced backyard, creating an inviting space for play, pets, and weekend cookouts. The primary bedroom includes a tiled ensuite bath with a glass-enclosed shower. The second and third bedrooms are generously sized providing comfort and functionality. Outdoor living is enhanced by a covered porch, while two driveways allow easy access to the outbuildings and provide multiple parking areas. Additional updates include a new HVAC system, adding comfort and peace of mind for the next owner. The property offers privacy, flexibility, and space rarely found, all while being conveniently located near Hwy 390 with quick access to the new Sweetbay Publix Shopping Center and minutes from 23rd Street shopping and daily conveniences. You are a short drive to the beautiful Panama City Beaches and all of the activities offered. Don't miss this opportunity! Schedule your showing today!
ECAR #999182
Aug 13, 2026
Relisted
—
Jul 28, 2026
Price Changed
$574,900
$251/sq ft
Jun 9, 2026
Price Changed
$579,900
$253/sq ft
Apr 18, 2026
Price Changed
$585,000
$255/sq ft
Mar 28, 2026
Price Changed
$589,900
$257/sq ft
Feb 5, 2026
Listed
$595,000
$259/sq ft
CPARMLS #718738
Nov 30, 2021
Sold
$415,000
$181/sq ft
Nov 4, 2021
Listed
$415,000
$181/sq ft
CPARMLS #348680
Dec 14, 2021
Listing Removed
—
Mar 29, 2006
Listed
$380,000
$166/sq ft
CPARMLS #714540
Jul 29, 2021
Listing Removed
—
Jul 22, 2021
Listed
$415,000
$181/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$5,256 (+3.2%)
2024
$5,093 (−3.8%)
$82,007 + $273,031
$355,038
2023
$5,292 (+36.0%)
$75,366 + $274,360
$349,726
2022
$3,891 (+57.3%)
$68,725 + $159,962
$228,687
2021
$2,475 (+0.2%)
2020
$2,469 (+19.9%)
2019
$2,060 (+8.6%)
2018
$1,896 (+3.5%)
2017
$1,832 (+0.5%)
2016
$1,823 (−2.2%)
2015
$1,864 (+1.9%)
2014
$1,829
Public record
Public record
Zoning
Permits
Beds
3
Baths
2
Stories
1
Lot width
143 ft.
Lot depth
200 ft.
Lot size
0.66 Acres
Year renovated
2018
Finished Sq. Ft.
2,294
Unfinished Sq. Ft.
—
Total Sq. Ft.
2,294
Year built
1988
Style
Single Family Residential
County
Bay County
APN
12989140000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jun 18, 2026.
R-1
Residential-1 District
The purpose of this zoning district is to provide areas for the preservation or development of residential neighborhoods consisting of detached single-family dwelling units on individual lots.
Permitted uses
Include but are not limited to:
Community / recreation center
Housing-Group
Housing-Single unit
Infrastructure
Educational/school
Nov 2, 2009 • Final
Electrical
Electrical
Apr 20, 2005 • Final
Legacy - all other permits
ADU
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
10/10 Heat Factor
7 days above 104° expected this year, 21 days in 30 years
9/10 Wind Factor
99% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Panama City, FL • 32405
Average low and high temperatures (°F)
61
42
68
51
73
56
79
62
82
70
88
76
90
78
88
76
87
73
81
63
75
57
66
48
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
83/ 100
Very good sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.6 hrs
6 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 437 W Baldwin Rd
$557,477
$17K under list price of $575K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $408K to $606K.