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Closed - Townhouse

139 Cindy Ln, Panama City Beach, FL 32407

2 bds|1 bth + 1 half|972 sqft

Facts & features

Townhouse Property type
729 days on Beycome
1985 Year built
$264 Price/Sqft.
$949/qtr HOA
0 sqft Lot size

Why you’ll love it

This property has been sold with Beycome on November 4, 2024.

  • Move-in ready
  • New roof
  • Pool
  • Tile floors
  • Gated

Brand new architectural shingle roof (2024), brand new gas water heater, 2018 HVAC (serviced in May of 2024), new interior paint, fresh exterior paint (2020), new interior ceiling fans downstairs, new refrigerator, new sinks, new faucets, new doors, new led light fixture, copper plumbing lines. Hurricane fabric and shutters to be installed next week. With the new roof and hurricane window protection the new insurance premium is $2,385.35 per year (see attached insurance declarations page). Priced to sell this 2-bedroom, 1.5-bathroom townhome is located in Gulf Highlands a short walk from the beautiful, sugar sand beach. The gated neighborhood features 11 pools (including 5 heated), 8 pickle ball courts with lights, 4 tennis courts with courts, a fitness center, 18-hole mini-golf, 2 playgrounds and parks, shuffleboard courts, a conference center, a private clubhouse with a beachside restaurant and pool. HOA covers Wi-Fi, cable, pest control, termite bond, trash, ground keeping, and property patrol. Two reserved parking spaces. Golf cart parking at the beach. Enter the front door into a low maintenance, furnished interior that’s ready to use as a primary beach home, vacation getaway or investment opportunity. Tile floors & solid wood cabinets. Extended concrete back patio for extra space to entertain and grill. Screened-in porch with storage closet and new shelving. Stackable washer and dryer are included. Located near water parks, restaurants, local attractions and the best beaches around. Don’t miss out on a move-in ready home with all the large budget items taken care of with an insurance rate at half the surrounding units because of the updates to the roof and hurricane protections.

Translating description...

Listings courtesy of Beycome.

Listed by: Steven Koleno • (804) 656-5007 • BEYCOME OF FLORIDA LLC

Co-listed by: BEYCOME OF FLORIDA LLC

Source: Beycome, MLS#: 16961808

Based on info available as of Nov 3, 2026 at 6:50 PM EST.

Affordability

$165,000$345,000
1%20%
0%90%
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Estimated monthly payment

$1,616/mo

  • Mortgage$1,300
  • Property tax$0
  • HOA fee
  • Homeowners insurance
Due at closing$204,315
Down payment held in escrow$51,400
Closing costs$3,855
beycome credit Est.$5,140

Beycome estimates only. Actual amounts and terms vary by lender and location.

Discover the neighborhood

Travel times

About Panama City Beach

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This local overview has been generated by Artur AI, for informational purposes only. Please verify all details independently before relying on it.

Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements. 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. Copyright Beycome ©2026. Based on information as of Nov 03, 2026 at 06:50pm EST.