Panama City Beach · Neighborhood
Biltmore Beach Homes for Sale
Biltmore Beach turns up in Bay County records as a single family parcel at 3808 Biltmore Drive owned by 3808 Biltmore Beach LLC and the Biltmore Beach Club, LLC common-area parcel, which belongs to a 13-parcel number series. All of it lies in unincorporated Bay County.
Updated
- Short-Term Rental Eligible
Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.
Living in Biltmore Beach
Five active and 43 sold homes turned up on September 24, 2026 when Panama City Beach listings were searched for Biltmore Beach. That is one day's picture; it neither outlines a neighborhood nor lists what is available now.
The county's owner field carries the Biltmore Beach name on two parcels. One is the single family parcel at 3808 Biltmore Drive, owned by 3808 Biltmore Beach LLC, so that match comes from a company named for its own address. The other is the residential common area at 4127 Choctaw Street, owned by Biltmore Beach Club, LLC. It belongs to the 30498 number series, which lists 13 parcels: 12 single family parcels on Utes Street and Choctaw Street, eight at addresses from 4101 to 4121 and four at 4127 Choctaw Street under unit letters A through D, plus the club parcel. Neither match outlines a neighborhood.
Bay County's boundary map puts both matches and every one of the 13 series parcels in unincorporated territory, and Census place data names no city at either match.
FEMA's current flood map shows 3808 Biltmore Drive entirely in Zone X, in the band FEMA labels 0.2 percent annual chance flood hazard. Inside the 30498 series the zones change lot by lot: the club parcel and the four lettered parcels lie entirely in Zone VE at 13 feet, five other parcels lie entirely in Zone X, and three are crossed by the boundary. The county's separate flood layer, dated January 2022, draws no hazard area on the club parcel at all.
Nothing in the parcel fields speaks to dues, association rules, whether rentals are permitted, or beach access.
HOA & Fees
What is the HOA fee at Biltmore Beach?
No HOA fee for Biltmore Beach has been reported on the MLS in our records. Whether a home belongs to an association, and what it charges, is set by that home's recorded covenants, so ask a licensed real estate agent or the association about the home you are considering.
Live Inventory
Homes for Sale in Biltmore Beach
5
Active Listings
$419K
Median List Price
$339
Avg Price / Sqft
Live from today's Biltmore Beach MLS file. This count covers condos, townhomes and single-family homes only, the same dwelling basis the market page uses, so lots and land are left out. The median and $/sq ft beside it cover the same 5 listings.
$375,000
5412 Hilltop Avenue
Panama City Beach, FL 32408
$349,900
5725 Sunset Avenue
Panama City Beach, FL 32408
$585,000
3808 Biltmore Drive
Panama City Beach, FL 32408
$560,000
5701 Hilltop Avenue
Panama City Beach, FL 32408
$419,000
5616 Pinetree Avenue
Panama City Beach, FL 32408
The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.
Local Answers
Biltmore Beach FAQ
How much is the HOA fee at Biltmore Beach?
No HOA fee for Biltmore Beach has been reported on the MLS in our records. Whether a home belongs to an association, and what it charges, is set by that home's recorded covenants, so ask a licensed real estate agent or the association about the home you are considering.
Why does the house at 3808 Biltmore Drive turn up in a Biltmore Beach name search?
The county's owner field reads 3808 Biltmore Beach LLC, a company named for its own address. The match comes from the owner's name, not from any recorded neighborhood outline, so it says nothing about neighboring homes.
What else sits in the same number series as the Biltmore Beach Club parcel?
The 30498 series lists 13 parcels: 12 coded single family, eight on Utes Street and Choctaw Street at 4101 to 4121 and four at 4127 Choctaw Street under unit letters A through D, plus the club's residential common-area parcel. The 30498 number is how the county groups these parcels; it does not mark a legal boundary.
Are the Biltmore Beach parcels inside the City of Panama City Beach?
No. Unincorporated Bay County is where the county's boundary map places both name matches and all 13 parcels of the club's series, and Census place data finds no city at the two matches. The postal town is a separate matter, and a listing can print Panama City Beach as its mailing address.
Which flood zones does FEMA show over the Biltmore parcels?
3808 Biltmore Drive lies entirely in Zone X, in the band FEMA labels 0.2 percent annual chance flood hazard. In the club's 30498 series, five parcels lie entirely in Zone VE at 13 feet, five entirely in Zone X and three are crossed by the boundary, so the zone can change from one lot to the next.
Do the county and FEMA flood maps agree at the Biltmore Beach Club parcel?
No. FEMA's current map shows Zone VE at 13 feet across the whole club parcel, while the county's separate layer, dated January 2022, shows nothing there; a flood determination from the lender or an elevation certificate from the seller would cover the exact address.
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Condo Buildings in This Market
Sources
- Bay County GIS, Biltmore Beach parcel query (accessed September 29, 2026)
- Bay County GIS department (accessed October 4, 2026)
- Bay County GIS, parcels numbered 30498 (accessed October 4, 2026)
- Bay County municipal boundary layer over the Biltmore parcels (accessed October 4, 2026)
- FEMA National Flood Hazard Layer over the Biltmore parcels (accessed October 4, 2026)
- Bay County flood-zone layer over the Biltmore parcels (accessed October 4, 2026)
Biltmore Beach Market Analytics
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