Panama City Beach · Neighborhood
Pirates Cove Inlet Homes for Sale
Pirates Cove Inlet is three condominium groups with 42 residences, mailed as Panama City Beach but sitting 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 Pirates Cove Inlet
The county and state parcel rolls agree on 45 identifiers for Pirates Cove Inlet: 42 condominium residences and three common-area parcels, one common parcel for each group. Units 309 through 320 are addressed at 300 Cain Road and carry a build year of 1985 on the state roll. Units 201 through 210 are addressed at 24400 Panama City Beach Parkway and read 1987, and the lettered units A through T at 101 Cain Road read 1990. Measured on the state outlines, the three groups sit within about 200 feet of one another and fit inside a box roughly 490 feet wide and 425 feet deep.
The mailing town is Panama City Beach, but all 45 outlines intersect only the Unincorporated area on Bay County's municipal layer, and the nearest Panama City Beach limit on that layer is about 6,000 feet from the closest outline. FEMA's national flood layer puts every outline in Zone AE with a base flood elevation of 10 feet and touches no other zone, so flood zone does not separate one group from the next. A name search is a poorer guide than the parcel numbers: the state legal text for unit H at 101 Cain Road spells the name Priates, so a query on the name reaches 44 of the 45 identifiers and never sees that unit.
Florida's corporate registry shows four active nonprofits connected to the name or its name history: the Master Homeowners' Association, Condo I Association, Condominium III, and a Phase II corporation that was filed in 1987 as Pirates Cove Inlet II, Inc. and renamed Solis at Inlet Beach, Inc. in May 2021, with its address on Panama City Beach Parkway. Two earlier Condominium Homeowners Association records are listed as inactive. The registry does not say which units each corporation serves, so the recorded declaration for a unit's own group answers that.
One active listing and twelve closed dwelling sales sat under the Pirates Cove Inlet name when the listings were searched on September 24, 2026, with closings running from December 2016 to June 2026. Treat that as a snapshot of one name search, neither current inventory nor a count of the 42 residences.
HOA & Fees
What is the HOA fee at Pirates Cove Inlet?
As of November 12, 2026, Pirates Cove Inlet homes for sale that report a fee on the MLS list these HOA fees:
- Townhomes: $250 a month (1 listing)
- Condos: $250 a month (2 listings)
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 3 active MLS listings that report an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent.
Live Inventory
Homes for Sale in Pirates Cove Inlet
3
Active Listings
$229K
Median List Price
$481
Avg Price / Sqft
Live from today's Pirates Cove Inlet 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 3 listings.
$430,000
150 Cain Road
Panama City Beach, FL 32413
$209,900
101 Cain Road Unit H
Panama City Beach, FL 32413
$229,000
101 Cain Road Unit O
Panama City Beach, FL 32413
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
Pirates Cove Inlet FAQ
How much is the HOA fee at Pirates Cove Inlet?
As of November 12, 2026, Pirates Cove Inlet homes for sale that report a fee on the MLS list these HOA fees: townhomes, $250 a month (1 listing); condos, $250 a month (2 listings). 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.
Which Pirates Cove Inlet unit numbers go with the 1985, 1987 and 1990 groups?
Twelve units numbered 309 through 320 are addressed at 300 Cain Road and read 1985 on the state roll. Ten units numbered 201 through 210 are addressed at 24400 Panama City Beach Parkway and read 1987, although that group's common-area parcel carries the address 204 Cain Road. Twenty units lettered A through T are addressed at 101 Cain Road and read 1990.
Why does a name search for Pirates Cove Inlet miss unit H at 101 Cain Road?
The state legal description for that unit spells Pirates as Priates, a spelling no other record in the group shares. Querying the name finds 44 identifiers. The parcel-number ranges 35272-001 to 013, 020 to 030 and 040 to 060 reach all 45, which includes the three common-area parcels.
Is Pirates Cove Inlet inside the City of Panama City Beach?
Not on the county's municipal layer. Panama City Beach is the mailing town, but all 45 outlines intersect only the Unincorporated area, and the closest Panama City Beach limit on that layer is about 6,000 feet from the nearest outline. Check the specific address with the county before leaning on a rule from either level of government.
Are the Pirates Cove Inlet units in Zone AE at 10 feet?
Every one of the 45 outlines, the 42 unit parcels and the three common-area parcels, intersects FEMA's Zone AE at a base flood elevation of 10 feet and no other zone. The unit parcels are drawn as very small footprints, so each result rests on the outline as the state roll draws it. A zone and a base elevation do not show a unit's floor height against that 10-foot figure, which only an elevation certificate for the unit can settle.
Is Pirates Cove Inlet II the same association as Solis at Inlet Beach?
The state registry says it is the same corporation: document N23649 was filed November 30, 1987 as Pirates Cove Inlet II, Inc. and amended on May 4, 2021 to Solis at Inlet Beach, Inc., with a principal address at 24400 Panama City Beach Parkway, where units 201 through 210 sit. The registry does not describe what the corporation governs, so the group's recorded declaration decides that.
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Condo Buildings in This Market
Sources
- Florida statewide cadastral: Pirates Cove Inlet parcel series (accessed October 4, 2026)
- Bay County BayView parcels: three Pirates Cove Inlet ranges (accessed October 4, 2026)
- Florida Division of Corporations: Pirates Cove Inlet name search (accessed October 4, 2026)
- Bay County municipal layer: envelope over all 45 Pirates Cove Inlet outlines (accessed October 17, 2026)
- FEMA national flood hazard layer: the three common-area outlines (accessed October 17, 2026)
- Florida Division of Corporations: document N23649 (Solis at Inlet Beach, Inc.) (accessed October 17, 2026)
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