21820 Kelly Pines Place, Panama City Beach

$645,000

4 Beds
4 Baths
2,240 Sqft
.09 Acre
1 Garage

Welcome to Kelly Street Pines, an intimate 17-home community in Panama City Beach, located less than half a mile from the Gulf of Mexico and just 5 minutes from Rosemary Beach. Location, Location, Location!!! Designed for those who appreciate the beach lifestyle and convenience, this boutique neighborhood offers a rare opportunity to enjoy refined coastal living with no short-term rentals (1-year lease minimum).

This homesite offers the ability to add a private pool, creating your own backyard retreat. Inside, thoughtful upgrades meet modern technology, including a reverse osmosis system built directly into the kitchen island, a fully integrated Alarm.com security and automation system allowing remote control of door locks, garage doors, thermostat, lighting, and doorbell, plus a hookup for an EV charger for effortless future-forward living.

Enjoy easy access to Beach Access 87, a favorite among locals for its fun atmosphere, strong community vibe, and plentiful golf cart parking. Ideally situated near Lake Powell, Camp Helen State Park, and Conservation Park, and just minutes from Pier Park's premier shopping, dining, and entertainment, this location offers the perfect balance of relaxation and recreation.

A rare opportunity to own in a private coastal community where luxury, technology, and beach lifestyle come together beautifully - for an incredible price!!

**LENDER INCENTIVES: Closing cost credit and/or rate buy-down available from preferred Lender. Contact Listing Agent for more information.**

Essential Information
MLS® #994583
Price$645,000
Bedrooms4
Bathrooms4.00
Full Baths3
Half Baths1
Square Footage2,240
Acres0.09
Year Built2023
TypeResidential
Sub-TypeDetached Single Family
StyleBeach House
StatusActive
Community Information
Address21820 Kelly Pines Place
Area27 - Bay County
SubdivisionKelly Street Pines
CityPanama City Beach
CountyBay
StateFL
Zip Code32413
Amenities
UtilitiesElectric, Public Water
# of Garages1
Interior
CoolingCentral Air, Ceiling Fan(s)
# of Stories2
Appliances

Dishwasher, Dryer, Freezer, Microwave, Washer

Exterior
Exterior FeaturesHurricane Shutters
ConstructionFrame
School Information
ElementaryWest Bay
MiddleSurfside
HighArnold
Additional Information
ZoningCity
HOA Fees1300
HOA Fees Freq.Annually
Listing Details
OfficeCompass
LISTING MAP

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All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2026, All rights reserved.
Vendors Member Number : 28325

Listing information last updated on February 14th, 2026 at 7:37pm CST.