21401 Hilltop Avenue, Panama City Beach

$640,000

3 Beds
3 Baths
1,835 Sqft
.13 Acre
1 Garage

Great opportunity on the quiet West End of Panama City Beach - just 3 blocks from the beach and perfectly positioned for a strong short-term rental or personal getaway.

This beach house offers a projected annual gross rental income of $54,000-$78,000 and has been thoughtfully expanded with an additional 700 square feet by converting the adjacent garage into a fully functional living space. The new addition includes 1 Bedroom, a Full Bathroom, a Bunk room, and a Full Living room, creating a separate guest suite that adds flexibility and increased rental potential.

The main home features 2 Bedrooms and 2 Full Bathrooms, providing comfortable coastal living in a peaceful area while still being close to the beach and everything PCB has to offer.

Essential Information
MLS® #997104
Price$640,000
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage1,835
Acres0.13
Year Built1991
TypeResidential
Sub-TypeDetached Single Family
StyleBeach House
StatusActive
Community Information
Address21401 Hilltop Avenue
Area27 - Bay County
SubdivisionRIVIERA BEACH
CityPanama City Beach
CountyBay
StateFL
Zip Code32413
Amenities
UtilitiesPublic Sewer, Public Water
ParkingGolf Cart Garage, Oversized
# of Garages1
Interior
HeatingCentral
CoolingCentral Air, Ceiling Fan(s)
# of Stories1
Interior Features

Breakfast Bar, In-Law Floorplan

Appliances

Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer

Exterior
Lot DescriptionWithin 1/2 Mile to Water
RoofComposite Shngl, Metal
ConstructionStucco, Wood Siding
Exterior Features

Private Yard, Separate Living Area

School Information
ElementaryWest Bay
MiddleSurfside
HighArnold
Additional Information
ZoningResid Single Family
Office

Christies International Real Estate Emerald Coast

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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 October 16th, 2026 at 3:07pm CDT.