101 Sand Oak Blvd, photo 1
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Overview

3 bd3 ba1,898 sqft2 car garageTownhouse
TypeTownhouse
HOA$831/qtr
Built2008
Lot5,576 sqft
Living area1,898 sqft
Price / sqft$211
Garage2 car

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About this home

Walk-in Closet(s)DishwasherDisposalMicrowaveRangeRefrigeratorWasher

101 Sand Oak Blvd is a 2008-built home in Whisper Dunes Ph 01-a, Panama City Beach. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,898 square feet of living space. Listed at $399,900 (about $211/sqft), 102 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $831 quarterly.

From the listing

Whisper Dunes Phase 1-A Lot 1 ORB Immaculate Townhome in Whisper Dunes was once the Model Home for the community so it has many add ons and features most townhomes don't have ! This 3 bedroom 2 1/2 bath corner unit has tons of natural light; open living floor plan; tile flooring downstairs; upgraded wood cabinets; Built in surround sound & even a Two car tiled garage floor! Upon entering the home you are greeted with a large dining area, comfortable living room, 1/2 Bath and Beautiful Kitchen that includes Stainless Steel Appliances. The upstairs Loft area has Bamboo floors and extra cabinets built in for storage. The Master Bedroom has a Huge walk in closet,Full Soaking Tub & separate shower in the Master Bath. The Backyard is very peaceful with a Stone HardScape Feature & Seating Area. Also Note; Roof; HVAC; Hot Water Heater/with Booster; ALL NEW WITHIN LAST FEW MONTHS !

The essentials

Built
2008
Price / sqft
$211
On market
102 days
Annual tax
$2,924
HOA
$831/qtr
Flood zone
X · Low risk
Lot
5,576 sqft
Type
Townhouse

At a glance

Townhouse
Built 2008
2 car garage
5,576 sqft lot
Lot size
1,898 sqft
Living area

Payment

Est. monthly payment
$2,807/mo
Down payment (20%)
$79,980
Property taxes
$244/mo
HOA
$831/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2008
Lot
5,576 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
-
Days on Market
102
Walk-in Closet(s)
Dishwasher
Disposal
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,924
Parcel #
35350-101-000

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Whisper Dunes Ph 01-a
County
Bay
MLS Area
32413 - Panama City Beach
Lot Size
5,576 sqft
HOA
$831/qtr
Whisper Dunes HOA

Price history

Date
Event
Price
7/7/2026
Listed for sale
Source: Stellar MLS #O6416314
$399,900
$211/sqft

Neighborhood

101 Sand Oak Blvd
Panama City Beach, FL, 32413 · 32413 - Panama City Beach

Calculator

Est. monthly payment
$2,806/mo
Principal & interest$2,086
Property taxes$244
Insurance$200
HOA$277
Down payment20% · $79,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$399,900

$211 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,898 sq ft

Time on market

102 days

Year built

2008

Monthly payment

About $2,807/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,924 annual tax bill, insurance, and the $831/qtr HOA fee.

HOA fee

$831/qtr

Managed by Whisper Dunes HOA.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byHOUWZER INCListing agent: Daniel RobinsonListing data from Stellar MLS, MLS# O6416314.

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