978 Sq. Ft.
$306 / Sq. Ft.
978
Sq. Ft.
$306
per Sq. Ft.

Description

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.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.
  1. Listed by John J Lavin • Brokerage DRE #1017984 • The Beach Group Properties LLC • john@thebeachgroup.com

Property Details for 197 Cobb Road

View
Gulf
Zoning
Resid Single Family
Architectural Style
Beach House
Subdivision Name
SUNTIME BEACH
Waterfront YN
Yes
LISTING UPDATED: 02/23/2026 07:03 AM

Property Details for 197 Cobb Road

StatusActive
MLS #989744
Days on Market109
Taxes$1,343 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Detached Single Family / Single Family Residence
Year Built1961
Lot Size0.17 AC / 7,405 SF
CountyBay County

Location

Listing Courtesy of The Beach Group Properties LLC
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Building Information for 197 Cobb Road

Stories1Year Built1961Building Size-Lot Size0.17 AC / 7,405 SF

Payment Calculator

$1,569 per month

30 year fixed, 6.15% Interest

Principal and Interest

$1,457

Property Taxes

$112

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 197 Cobb Road

Summary
Location and General Information
  • Directions: Back Beach Road (HWY 98) to Cobb Road. South on Cobb and home will be the last home on the left.
  • Road Frontage Type: City Street
  • MLS Area Minor: 0324 - Beach - West Central
  • MLS Area Major: 03 - Bay County - Beach
  • Latitude: 30.231664
  • Longitude: -85.902737
  • Location Tax and Legal:Sub Area: 2724 - Beach - West Central
  • Location Tax and Legal:Elementary School: West Bay
  • Location Tax and Legal:Middle School: Surfside
  • Location Tax and Legal:High School: Arnold
  • Location Tax and Legal:Legal Description: SUNTIME BEACH UNIT 1 LOT 6 BLK 4 ORB 1002 P 442
Taxes and HOA
  • Tax Legal Description: SUNTIME BEACH UNIT 1 LOT 6 BLK 4 ORB 1002 P 442
  • Parcel Number: 38360-000-000
  • Association Fee: $0
  • Association YN: No
  • Tax Annual Amount: $1,343
  • Listing Info Tax Legal:Last Taxes: $1,343
  • Listing Info Tax Legal:Last Tax Year: 2024.0
School Information
  • Elementary School: West Bay
  • Middle Or Junior School: Surfside
  • High School: Arnold
Parking
  • Carport YN: No
  • Attached Garage YN: No
  • Garage YN: No
  • General Property Info:Driveway Spaces: 2.0
Property
Lot Information
  • Building Area Source: County PA Records
  • Lot Size Dimensions: 60x125
  • Lot Size Acres: 0.17
  • Lot Size Area: 0.17
  • Lot Size Units: Acres
  • Property Condition: Construction Complete
  • Other Structures: Workshop
  • Lot Features: Within 1/2 Mile to Water
  • Building Area Total: 978.0
  • Lot Size Square Feet: 7405.2
  • Living Area Source: Appraiser
  • General Property Info:SqFt Source: County PA Records
  • Waterview: Gulf2
  • LotParcel Access: City Road
  • Lot Features: Within 12 Mile to Water
Property and Assessments
  • Tax Year: 2024.0
  • Floor Plans Count: 0.0
  • Property Type: Residential
  • Year Built: 1961.0
  • Property Sub Type: Detached Single Family
  • New Construction YN: No
  • General Property Info:Sub-Type: Detached Single Family
  • General Property Info:Design: Beach House
  • Listing Info Tax Legal:Homestead: false
  • Construction Status: Construction Complete
  • Construction Siding: Stucco
  • Occupancy Status: Vacant
Utilities
  • Sewer: Public Sewer
  • Utilities: Public Water
  • Utilities: Public Sewer, Public Water
  • Energy: AC - WindowWall
Interior and Exterior Features
Exterior Features
  • Construction Materials: Stucco
  • Stories: 1.0
  • Stories Total: 1.0
  • General Property Info:Pool: No
  • General Property Info:Pool Type: None
  • Exterior: Workshop
Interior Features
  • Cooling: Wall/Window Unit(s)
  • Room Type: Bedroom, Living Room, Family Room
  • Rooms Total: 4.0
  • Bathrooms Total Integer: 1.0
  • Bathrooms Total Decimal: 1.0
  • Bathrooms Total Notational: 1.0
  • Cooling YN: Yes
  • Levels: One
  • Bedrooms Total: 2.0
  • Bathrooms Full: 1.0
  • Bathrooms Half: 0.0
  • Appliances: Refrigerator, StoveOven Electric
Room Information
Room 1
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 10.0
  • Room Width: 11.0
  • Room Dimensions: 10 x 11
Room 2
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 10.0
  • Room Width: 11.0
  • Room Dimensions: 10 x 11
Room 3
  • Room Type: Living Room
  • Room Level: First
  • Room Length: 13.0
  • Room Width: 14.0
  • Room Dimensions: 13 x 14
Room 4
  • Room Type: Family Room
  • Room Level: First
  • Room Length: 8.0
  • Room Width: 18.0
  • Room Dimensions: 8 x 18
Rental
Rent Information
  • General Property Info:Immediate Occupancy: true
  • Listing Info Tax Legal:Is Subject Leased: false

Property History for 197 Cobb Road

DateEvent & SourcePriceAppreciation
Feb 23, 2026

Price Change

ECAR #989744

$299,000—
Feb 23, 2026

Price Change

CPAR #781789

$299,000—
Jan 7, 2026

Price Change

ECAR #989744

$309,000—
Jan 4, 2026

Price Change

CPAR #781789

$309,000—
Nov 21, 2025

Listed (Active)

ECAR #989744

$329,000—
Nov 18, 2025

Listed (Active)

CPAR #781789

$329,000—
DateEvent & SourcePrice
02/23/2026

Price Change

ECAR #989744

$299,000
02/23/2026

Price Change

CPAR #781789

$299,000
01/07/2026

Price Change

ECAR #989744

$309,000
01/04/2026

Price Change

CPAR #781789

$309,000
11/21/2025

Listed (Active)

ECAR #989744

$329,000
11/18/2025

Listed (Active)

CPAR #781789

$329,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 197 Cobb Road

Taxable ValueLand$61,702Additions$51,109Total$112,811
Tax Record2025$1,231 ($103 / month)
Home Facts
Beds2Total Finished SqFt978 SqFtAbove Grade Finished SqFt978 SqFtStories1Lot Size7,492 SqFtStyleSingle Family ResidenceYear Built1961Year Renovated1981CountyBAYAPN38360-000-000

Schools near 197 Cobb Road

This home is within Bay.
Rating
School
Type
Grades
Distance
Public - K to 5
Public - 6 to 8
Public - 9 to 12
Public - PK to 3
Rating
School
Distance
West Bay Elementary School
PublicK to 5

Surfside Middle School
Public6 to 8

J.R. Arnold High School
Public9 to 12

A. Gary Walsingham Academy
PublicPK to 3

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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197 Cobb Road is a single family home for sale in Panama City Beach, FL 32413. This property was listed for sale on November 18, 2025 by The Beach Group Properties LLC, it's currently listed at $299,000. This listing's school district is Bay. Nearby schools include West Bay Elementary School, Surfside Middle School and J.R. Arnold High School. 197 Cobb Road is a 2-bed, 1-bath, 978 sqft single family home built in 1961.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of The Beach Group Properties LLC

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.