109 Blue Sage Road, Panama City Beach, FL 32413
Whisper Dunes · Bay County
Key Facts
Description
Experience low-maintenance coastal living in this 3BR/2BA home in Whisper Dunes, located just a half-mile from dedicated beach access. Whisper Dunes remains one of the West End's most desirable primary-residence communities, known for its pet-friendly atmosphere, consistent upkeep, and HOA-covered lawn care that simplifies everyday living. Designed with both durability and comfort in mind, this home features 2x6 construction, Hardie board siding, 6-inch exterior walls, and a 30-year architectural shingle rated for 130 mph winds -- details that matter in today's insurance and long-term ownership landscape. A 5-star energy rating, high-efficiency Low E2 windows, and a 14-SEER heat pump further enhance efficiency and livability. Inside, the open floor plan offers large designer tile throughout, 8-foot doors with craftsman-style trim, and abundant natural light from oversized windows. The kitchen is thoughtfully appointed with stainless appliances, granite countertops, under-cabinet lighting, and generous storage -- creating a functional gathering space that connects seamlessly to the main living area. The primary suite features tray ceilings and an ensuite bath with double vanities and matching granite surfaces. Two additional bedrooms and a full bath provide flexibility for guests, home office needs, or family living. French doors open to a covered porch with a remote-controlled electric screen, extending your living space outdoors. The fenced backyard offers privacy for pets or entertaining, while the garage includes a newly epoxy-coated floor completed in 2025 for a clean, durable finish. Residents of Whisper Dunes enjoy a community pool, cabana, landscaped walking paths, and sidewalks throughout the neighborhood -- all just minutes from Pier Park, 30A, Camp Helen State Park, Lake Powell, and the conveniences of Publix, ALDI, and local dining. For buyers seeking a well-built, low-maintenance home near the beach within a primarily full-time residential setting, this Whisper Dunes property represents a strong opportunity on Panama City Beach's West End.
Property Information
Property Type
Residential
Sub-Type
Single Family Residence
Style
Craftsman
Year Built
2014
Living Area
1,924 sq ft
Lot Size
0.15 acres
Lot Dimensions
110X60
Garage Spaces
2
Days on Market
137
MLS® Listing#
785506
Property Features
Interior
Appliances
Cooling
Heating
Pool
Patio
Fencing
Foundation
Roof
Community
Utilities
Sewer
Rooms
- 13.8 x 16First
- Bedroom12.5 x 10First
- Bedroom11.8 x 12.6First
Schools
- Elementary:
- West Bay
- Middle:
- Surfside
- High:
- Arnold
Financial Details
HOA
Yes
Annual Taxes
$5,360
Tax year 2025
Parcel Number
35350-250-050
Directions
From Hwy 79 Take Panama City Beach Parkway ( US98) Drive approximately 5.5 miles west and Turn Right onto Sand Oak Blvd and go approximately .1 miles and turn right in the traffic Circle and the home is .1 miles on the right.
Affordability Calculator
$93,000
Estimated monthly payment
$2,475/mo
Principal $372,000 · Est. interest $518,973 over 30 yrs
Neighborhood Market Statistics
How this home compares to active listings in Panama City Beach, FL
- $471,570
- Median Listing Price
- 112
- Median Days on Market
- 1,459
- Median Sq Ft
- $348
- Median Price / Sq Ft
- 31,346
- Active Listings
- This home’s price is 1% below the area median.
- Its price per sq ft is 30% below the area median.
Market statistics compiled from active EXIT Realty® and MLS listings in Panama City Beach, FL.
Location
Points of Interest in Panama City Beach, FL
Showing the Panama City Beach area map.
Nearby Schools
PCB Academy
School · 3.4 mi away
Ohana Institute
School · 5.0 mi away
West Bay Elementary School
Elementary · 5.2 mi away
Surfside Middle School
Secondary · 5.8 mi away
Hutchison Beach Elementary School
Elementary · 6.9 mi away
Surfside Kids Academy
School · 7.3 mi away
Arnold Pre K
Secondary · 7.7 mi away
JR Arnold High School
Secondary · 8.0 mi away
Breakfast Point Academy
School · 8.3 mi away
Primary Prep School
Elementary · 9.1 mi away
St Bernadette Early Childhood Development Center
School · 9.5 mi away
Twisted Fork Culinary Classroom
School · 10.5 mi away
Dune Lakes Elementary School
Elementary · 10.6 mi away
Learning Tree II-Child Development Center
School · 11.0 mi away
Stacey's Fun in the Sun Preschool 2 Inc.
School · 11.0 mi away
Patronis Elementary School
Elementary · 11.7 mi away
Emerald Coast Middle School
Secondary · 13.0 mi away
Seaside Neighborhood School
Elementary · 13.0 mi away
The Preschool at Point Washington
School · 13.5 mi away
Bay Elementary School
Elementary · 13.5 mi away
Commute Calculator
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| 6344 CAMINO DRIVE, APOLLO BEACH, FL | $326,000 | 3 | 3 | 1,774 |
| Daytona Beach, FL | $326,000 | 2 | 2 | — |
Moving Cost Estimate
EXIT Agents in Panama City Beach
Listing Courtesy: Berkshire Hathaway HomeServices Beach Properties of Florida - 8502524160