Active·216 days on market
712 Lighthouse Rd Road 712
Panama City Beach, FL 32407
About this home
Panama City Beach
Welcome to Nautilus Cove, where comfort meets coastal convenience. This charming upstairs unit is privately tucked away in the tranquil rear section of the community, offering peace and privacy while still enjoying all the benefits of beachside living.With your own dedicated parking space just steps from the building, accessing your home is effortless. Residents of Nautilus Cove enjoy excellent amenities, including a sparkling pool, fitness center, and playground.Inside, the thoughtfully designed split floor plan features three spacious bedrooms and two full bathrooms. The primary suite offers a generous walk-in closet plus an additional closet for exceptional storage. The ensuite bath includes a convenient tub/shower combination, blending comfort and functionality. Vaulted ceilings elevate the living room, creating an open and airy feel, while abundant natural light fills the space with warmth and charm. Notably, this unit boasts the most budget-friendly price in Nautilus Cove. Cur
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
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Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0021512 - Panama City Beach WWTP · Public water (record)
County records show this parcel on central sewer served by FL0021512 - Panama City Beach WWTP — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,810 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
History
Price & status history
- Jul 28, 2026Price change$224,000−$5,000
- Feb 17, 2026Listed$229,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY · alissa@youragentalissa.net
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines