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PRICE $847,000 dsIDX morgage calculator
BEDS 3
BATHS 2
HOME SIZE 1,600 sqft
LOT SIZE 3,050 sqft

Welcome to your slice of coastal paradise just steps from sugar-white sand and emerald waters--no roads to cross, no HOA, and your own PRIVATE POOL. This beach home offers walkable Gulf access, beach views, and resort-style living, perfect as a full-time residence, second home, or income-producing retreat. Enjoy dining, entertainment, and the heart of beach life. Highlights include a private backyard oasis with pool and outdoor shower, hardwood floors, Silver Pearl granite, stainless appliances, touch faucet, and electric fireplace. Outdoor living shines with two balconies, a porch flowing to the pool, and a converted garage game room. With no HOA, walkability, and peak season near, this rare coastal gem won't last.

DAYS ON MARKET 1 LAST UPDATED 12/8/2025
TRACT Cottages on Ocean YEAR BUILT 2003
COMMUNITY 27 - Bay County COUNTY Bay
STATUS Active PROPERTY TYPE(S) Single Family

SCHOOLS
Elementary School Patronis
Jr. High School Surfside
High School Arnold


ADDITIONAL DETAILS
AIR Ceiling Fan(s), Central Air
AIR CONDITIONING Yes
APPLIANCES Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
AREA 27 - Bay County
EXTERIOR Balcony
GARAGE Attached Garage
HEAT Central, Electric
INTERIOR Breakfast Bar, Cathedral Ceiling(s)
LOT 3049 sq ft
LOT DIMENSIONS 30x100
PARKING Attached
POOL Yes
POOL DESCRIPTION Outdoor Pool, In Ground, Private
SEWER Public Sewer
STORIES 2
STYLE Florida Cottage
SUBDIVISION Cottages on Ocean
UTILITIES Cable Available
VIEW Yes
VIEW DESCRIPTION Water
WATER Public
ZONING Resid Single Family
MORTGAGE CALCULATOR
   

TOTAL MONTHLY PAYMENT

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CONTACT US ABOUT 4109 OCEAN STREET
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Listing provided by Coastal Living Realty & Associates LLC
The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is believed to be accurate but is not guaranteed.
All listings are provided courtesy of the Emerald Coast Association of Realtors
© 2025 Emerald Coast Association of REALTORS®, Inc. (ECARMLS). All rights reserved. Vendor Member Number: 28306

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