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

NO HOA | Half-Acre Lot | Built in 2022 | Private En-Suite | Move-In Ready
Looking for a newer home with space, upgrades, and freedom from an HOA? This beautiful 2022-built home sits on a generous half-acre lot near Deer Point Lake and offers the perfect blend of comfort, efficiency, and Florida living. The spacious floor plan features a desirable private en-suite retreat, providing a relaxing space to unwind at the end of the day. The open-concept layout flows seamlessly from the living area to the...NO HOA | Half-Acre Lot | Built in 2022 | Private En-Suite | Move-In Ready

Looking for a newer home with space, upgrades, and freedom from an HOA? This beautiful 2022-built home sits on a generous half-acre lot near Deer Point Lake and offers the perfect blend of comfort, efficiency, and Florida living. The spacious floor plan features a desirable private en-suite retreat, providing a relaxing space to unwind at the end of the day. The open-concept layout flows seamlessly from the living area to the outdoor patio, making it ideal for entertaining family and friends. Built with energy efficiency in mind, the home includes fully insulated walls, Low-E windows, and an all-thread rod system for added hurricane and wind protection. Relax on the screened-in porch, enjoy the convenience of the newly added storage shed, and appreciate that the GE Profile washer and dryer are included. Located in Flood Zone X and just a short drive from Panama City's beautiful beaches, crystal-clear springs, boating, fishing, and outdoor recreation, this home offers the best of Florida living while maintaining a peaceful neighborhood setting. Priced at $460,000, this move-in-ready home is an exceptional opportunity. Schedule your private showing today
  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

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LISTING UPDATED: 06/04/2026 02:56 PM

Property Details for 3509 High Cliff Road

StatusActive
MLS #787503
Days on Market73
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

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

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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

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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
  • 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
  • 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
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
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 73 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 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 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.