3509 High Cliff Rd

Panama City, FL 32409

$460,000
Price
4
Beds
2,244 Sq. Ft.
$205 / Sq. Ft.
2,244
Sq. Ft.
$205
per Sq. Ft.
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Description

Don't Miss Out on Owning a Like-New Home! Imagine starting your mornings with a cup of coffee on the patio, listening to birdsong, and ending your evenings under the stars--all while being just minutes from Deer Point Lake for fishing, boating, and outdoor adventures. Seller welcomes all reasonable offers! Why wait months to build when you can move right into this beautifully maintained 2022-built home offering modern construction, energy efficiency, and room to grow? Situated on a spacious half-acre...Don't Miss Out on Owning a Like-New Home! Imagine starting your mornings with a cup of coffee on the patio, listening to birdsong, and ending your evenings under the stars--all while being just minutes from Deer Point Lake for fishing, boating, and outdoor adventures. Seller welcomes all reasonable offers! Why wait months to build when you can move right into this beautifully maintained 2022-built home offering modern construction, energy efficiency, and room to grow? Situated on a spacious half-acre lot in a desirable location, this home gives you the perfect blend of privacy, comfort, and convenience--all with NO HOA. Whether you're looking for room to entertain, space for your outdoor toys, or simply a peaceful place to call home, this property checks all the boxes. Plus, you're just minutes from Deer Point Lake, making it easy to enjoy fishing, boating, and the outdoor lifestyle you've been dreaming about. NO HOA | BUILT IN 2022 | HALF-ACRE LOT | FLOOD ZONE X

This is a rare opportunity to own a newer home without the wait or rising construction costs. Don't miss your chance--schedule your private showing today before it's gone! Seller motivated and welcomes all reasonable offers! Experience the perfect combination of modern comfort, quality construction, and outdoor space in this beautifully maintained 2022 home situated on a spacious half-acre lot near Deer Point Lake. Offering the freedom of no HOA, this property provides the flexibility, privacy, and room to enjoy the Florida lifestyle. Step inside to discover a bright open-concept floor plan designed for both everyday living and entertaining. The spacious primary suite offers a private retreat, while the thoughtfully designed layout provides comfortable living spaces throughout. Enjoy your morning coffee or unwind in the evenings from the screened porch overlooking the backyard. Built with energy efficiency and durability in mind, this home features Low-E windows, fully insulated walls, and modern construction that offers comfort, peace of mind, and lower maintenance compared to older homes. Conveniently located just 23 minutes from Northwest Florida Beaches International Airport, this property is also close to Deer Point Lake, boating, fishing, local springs, shopping, dining, and the beautiful white-sand beaches of Panama City. Schedule your private showing today and bring your offer!
  1. Listed by Kim Limmer • Coastal Palms Real Estate
  2. Listed by Brandie Allon • Coastal Palms Real Estate

Property Details for 3509 High Cliff Road

Architectural Style
Craftsman
Waterfront
No
Parking Features
Garage, Garage Door Opener
Subdivision Name
Cedar Creek Chase Ph 1
Zoning Description
Resid Single Family
LISTING UPDATED: 07/09/2026 04:08 PM

Property Details for 3509 High Cliff Road

StatusActive
MLS #787503
Days on Market109
Taxes$4,786 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence / Single Family Residence
Year Built2022
Lot Size0.50 AC / 21,780 SF
CountyBay County
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Location

Listing Courtesy of Coastal Palms Real Estate
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Building Information for 3509 High Cliff Road

Stories14Year Built2022Building Size-Lot Size0.50 AC / 21,780 SF

Payment Calculator

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$2,691 per month

30 year fixed, 6.36% Interest

Principal and Interest

$2,292

Property Taxes

$399

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 3509 High Cliff Road

Summary
Location and General Information
  • City: Panama City
  • County Or Parish: Bay
  • Directions: From Hwy 77, Right at Red Light Hwy 2321, Left turn onto Resota Beach Road, Right turn onto High Cliff Road (Cedar Creek Subdivision), home on the Right Legal Description: CEDAR CREEK CHASE PH 1 LOT 128 ORB 3823 P 834
  • State Region: FL
  • Postal Code: 32409
  • Latitude: 30.348526
  • Longitude: -85.599295
  • State Or Province: FL
  • MLS Area Major: 04 - Bay County - North
  • MLS Area Minor: 0410 - Bay North - West Deerpoint/Southport
Taxes and HOA Information
  • Parcel Number: 07585-428-000
  • Association: No
  • Tax Annual Amount: $4,786.00
  • Tax Legal Description: CEDAR CREEK CHASE PH 1 LOT 128 ORB 4572 P 1459
  • Tax Year: 2025
School Information
  • Elementary School: Deane Bozeman
  • High School: Deane Bozeman
  • Middle Or Junior School: Deane Bozeman
Parking
  • Attached Garage: No
  • Garage Spaces: 2.0
  • Garage: Yes
Property
Lot Information
  • Building Area Total: 2244.0
  • Lot Features: Sprinkler System, Paved
  • Lot Size Acres: 0.5
  • Lot Size Area: 0.5
  • Lot Size Dimensions: 101 X 258
  • Lot Size Units: Acres
  • Lot Size Square Feet: 21780.0
  • Living Area Source: Appraiser
Property and Assessments
  • Other Structures: Sheds
  • Senior Community: No
  • Year Built: 2022
  • New Construction: No
  • Human Modified: No
Green Features
  • Green Energy Efficient: Appliances
Utilities
  • Utilities: Cable Connected, Electricity Available, High Speed Internet Available, Phone Connected, Underground Utilities
Interior and Exterior Features
Exterior Features
  • Exterior Features: Porch
  • Fencing: Fenced, Privacy
  • Community Features: Short Term Rental Allowed
  • Door Features: Insulated Doors
  • Construction Materials: Brick, Hardiplank Type, Vinyl Siding
  • Foundation Details: Slab
  • Patio And Porch Features: Covered, Porch, Screened
  • Security Features: Security System, Smoke Detectors
  • Roof: Shingle
Interior Features
  • Stories: 14
  • Stories Total: 14
  • Bathrooms Full: 3
  • Bathrooms Half: 1
  • Bathrooms Total: 4
  • Bedrooms Total: 4
  • Rooms Total: 15
  • Cooling: Yes
  • Cooling: Central Air, Ceiling Fans, Energy Star Qualified Equipment
  • Heating: Yes
  • Heating: Central, Energy Star Qualified Equipment
  • Appliances: Energy Star Qualified Appliances, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker
  • Interior Features: Coffered Ceilings, Double Vanity, Main Level Primary, See Remarks, Soaking Tub, Separate Shower, Walk In Closets
  • Window Features: Double Pane Windows
Room Information
Room 1
  • Room Dimensions: 19 x 19.5
  • Room Length: 19.0
  • Room Level: First
  • Room Type: Living Room
  • Room Width: 19.5
Room 2
  • Room Dimensions: 15 x 18
  • Room Length: 15.0
  • Room Level: First
  • Room Type: Kitchen
  • Room Width: 18.0
Room 3
  • Room Dimensions: 21 x 22
  • Room Length: 21.0
  • Room Level: First
  • Room Type: Garage
  • Room Width: 22.0
Room 4
  • Room Dimensions: 9 x 14
  • Room Length: 9.0
  • Room Level: First
  • Room Type: Porch
  • Room Width: 14.0
Room 5
  • Room Description: BACK PORCH SCREENED IN
  • Room Dimensions: 8 x 19.5
  • Room Length: 8.0
  • Room Level: First
  • Room Type: Porch
  • Room Width: 19.5
Room 6
  • Room Dimensions: 7 x 10
  • Room Length: 7.0
  • Room Level: First
  • Room Type: Laundry
  • Room Width: 10.0
Room 7
  • Room Dimensions: 9 x 7
  • Room Length: 9.0
  • Room Level: First
  • Room Type: Full Bath
  • Room Width: 7.0
Room 8
  • Room Dimensions: 5.5 x 10
  • Room Length: 5.5
  • Room Level: First
  • Room Type: Full Bath
  • Room Width: 10.0
Room 9
  • Room Dimensions: 3.5 x 7
  • Room Length: 3.5
  • Room Level: First
  • Room Type: Half Bath
  • Room Width: 7.0
Room 10
  • Room Dimensions: 13 x 12
  • Room Length: 13.0
  • Room Level: First
  • Room Type: Primary Bathroom
  • Room Width: 12.0
Room 11
  • Room Dimensions: 14 x 16
  • Room Length: 14.0
  • Room Level: First
  • Room Type: Primary Bedroom
  • Room Width: 16.0
Room 12
  • Room Dimensions: 13.5 x 16
  • Room Length: 13.5
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 16.0
Room 13
  • Room Dimensions: 11.5 x 13.5
  • Room Length: 11.5
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 13.5
Room 14
  • Room Dimensions: 12 x 13
  • Room Length: 12.0
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 13.0
Room 15
  • Room Dimensions: 11 x 13
  • Room Length: 11.0
  • Room Level: First
  • Room Type: Dining Room
  • Room Width: 13.0
Multi Family
Multi-Family Information
  • Units Furnished: None
Rental
Rental Information
  • Occupant Type: Vacant
  • Land Lease: No

Property History for 3509 High Cliff Road

DateEvent & SourcePriceAppreciation
Mar 27, 2026

Listed (Active)

CPAR #787503

$479,000—
Jun 3, 2022

Sold (Public Record)

Public Record #1491241083

$475,000

+19.9% / yr

Jun 3, 2022

Sold

CPAR #726393

$475,000—
DateEvent & SourcePrice
03/27/2026

Listed (Active)

CPAR #787503

$479,000
06/03/2022

Sold (Public Record)

Public Record #1491241083

$475,000

+19.9% / yr

06/03/2022

Sold

CPAR #726393

$475,000

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

Public Records for 3509 High Cliff Road

Taxable ValueLand-Additions-Total-
Tax Record2025$4,746 ($395 / month)
Home Facts
Beds4Total Finished SqFt2,244 SqFtAbove Grade Finished SqFt2,244 SqFtStories1Lot Size24,650 SqFtStyleSingle Family ResidenceYear Built2022ZoningBC08CountyBAYAPN07585-428-000

Schools near 3509 High Cliff Road

This home is within Bay.
Rating
School
Type
Grades
Distance
Deane Bozeman School
Public - PK to 12
North Bay Haven Career Academy
Charter - 9 to 12
North Bay Haven Charter Academy Middle School
Charter - 6 to 8
Bay Haven Charter Middle School
Charter - 6 to 8
Rating
School
Distance
Deane Bozeman School
PublicPK to 12

North Bay Haven Career Academy
Charter9 to 12

North Bay Haven Charter Academy Middle School
Charter6 to 8

Bay Haven Charter Middle School
Charter6 to 8

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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More information about 3509 High Cliff Road, Panama City, FL 32409

3509 High Cliff Road is a single family home for sale in Panama City, FL 32409. This property was listed for sale on March 27, 2026 by Coastal Palms Real Estate, it's currently listed at $460,000. It has been on the market for a total of 109 days and was last sold on June 3, 2022. This listing's school district is Bay. Nearby schools include Deane Bozeman School, North Bay Haven Career Academy and North Bay Haven Charter Academy Middle School. 3509 High Cliff Road is a 4-bed, 4-bath, 2,244 sqft single family home built in 2022.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim 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 seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Coastal Palms Real Estate

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.