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Panama City Beach · Neighborhood

Palm Cove Homes for Sale

Palm Cove is a Bay County neighborhood of single-family homes in Panama City Beach, built from 2003 to 2007. It was recorded in three phases that follow the building order, Phase 1 in 2003, Phase 2 from 2003 to 2005 and Phase 3 from 2005 to 2007, along White Cap Way, Seagrass Way, Cabana Court, Sand Castle Lane and Seashore Lane. Before comparing houses, look up the lot itself on the county's FEMA flood-zone layer, because no single flood zone has been published for Palm Cove's 283 parcels.

Updated

    Short-term rentals: not yet confirmed for this neighborhood.

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    Living in Palm Cove

    On September 24, 2026, listing records for Palm Cove showed one active dwelling and 26 sold, with closings from February 15, 2017 through April 10, 2026. It reflects a single search on a single day and is not a view of what is available today.

    Phase 1 of Palm Cove accounts for 13 parcels, Phase 2 for 128 and Phase 3 for 142 on Bay County's 2026 roll, and the Florida statewide parcel layer that republishes the roll shows all 283 as distinct parcels whose legal descriptions begin Palm Cove. Beyond the 274 single-family parcels, the roll lists 4 common-area parcels under association names, 4 on Seagrass Way held by the City of Panama City, and 1 vacant parcel. White Cap Way holds 75 of the parcels, Seagrass Way 49, Cabana Court 50, Sand Castle Lane 40 and Seashore Lane 35.

    Every one of the 278 parcels with a recorded year built falls between 2003 and 2007, and the phases follow that order: Phase 1 was recorded as built in 2003, Phase 2 from 2003 to 2005 and Phase 3 from 2005 to 2007.

    Searching owner names for Palm Cove returns ten parcels, but only five sit under a Palm Cove legal description. Two belong to Palm Cove, Inc. at other locations in Bay County, two to Palm Cove Apartments I, LLC on Florida Avenue, and one, at 130 Emerald Coast Club Boulevard, is an association-owned common-area parcel filed under the legal description Emerald Coast Club Phase I. A name match is not a boundary.

    Nothing here establishes who owns shared ground, what the association governs, or what access or amenities attach to a lot; recorded documents for the address do. By the county's own notice, the GIS data on its map pages does not serve as a legal representation of the features shown. Nothing on flood zone or insurance is stated in this description, so the lot's own entry on the county's FEMA flood-zone layer is where to check.

    With every house dated 2003 to 2007, the phase is the fairer yardstick, so read the sale trends for Palm Cove one phase at a time rather than as a single figure for all 283 parcels. Houses on Cabana Court, Sand Castle Lane and Seashore Lane turn up among homes for sale across Panama City Beach when they list, and the Panama City Beach neighborhood directory points to other subdivisions worth checking street by street against White Cap Way and Seagrass Way.

    HOA & Fees

    What is the HOA fee at Palm Cove?

    As of November 12, 2026, Palm Cove homes for sale that report a fee on the MLS list these HOA fees:

    • Single-family homes: $167 a month (1 listing)

    Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    Based on one active MLS listing that reports an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent.

    Live Inventory

    Homes for Sale in Palm Cove

    Price ReducedShort-Term Rental Eligible

    $299,000

    11710 Cabana Court

    Panama City Beach, FL 32407

    3 bd 2 ba 1,269 sqft

    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

    Palm Cove FAQ

    How much is the HOA fee at Palm Cove?

    As of November 12, 2026, Palm Cove homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $167 a month (1 listing). Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    How is Palm Cove divided on the county roll?

    Into three phases: Phase 1 has 13 parcels, Phase 2 has 128 and Phase 3 has 142, for 283 in all. Of these, 274 are single-family, 4 are common-area parcels in association names, 4 are city-owned and 1 is vacant.

    When were Palm Cove homes built?

    The roll records years for 278 parcels, all from 2003 through 2007, with a middle year of 2005. Phase 1 is 2003, Phase 2 runs 2003 to 2005 and Phase 3 runs 2005 to 2007.

    Who owns the Palm Cove common areas, and is there an association?

    The 2026 county roll lists four common-area parcels in Palm Cove under association names. The roll does not show what that association governs or charges, or what access and amenities attach to a lot, so ask for the recorded declaration and plat from the Bay County clerk. An owner-name search also catches unrelated holders such as Palm Cove Apartments I, LLC on Florida Avenue, so match a parcel by its Palm Cove legal description, not by the name.

    What do the records say about renting out a house in Palm Cove?

    Palm Cove's parcel records on the 2026 roll carry no rental terms for White Cap Way, Seagrass Way or any other street in the three phases. The Bay County clerk holds the recorded declaration where a rental limit would be written, and the planning office for the address can say how local zoning treats short stays there.

    Which records answer flood questions for a single Palm Cove house?

    Search the specific address on the county's FEMA flood-zone layer. No single zone, elevation or insurance outcome is presumed for the 283 parcels, and none is published here. A lender's flood determination or an elevation certificate from the seller settles the exact lot.

    Explore the Area

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    Sources

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