Asking price is about 7% above the estimated value. Estimates can be off and may not reflect the home's current market value.

109 Moonraker CirPanama City Beach, FL 32407

$475,000

Est. $444,600

  • 1,765 sqft
  • 4 beds
  • 2 baths

About this home

  • Granite countertops
  • Elegant tray ceilings
  • Gourmet kitchen
  • Soaking tub
  • Custom stone paver walkway
  • Window coverings
  • Stainless steel appliances

Welcome to Moonraker, one of Panama City Beach's most desirable communities including an HOA with a clubhouse and pool. This home is the Rhett plan and is loaded with high end premium upgrades. It is a 4-bedroom, 2-bath home offers 1,768 sq. ft. of stylish single-level living just minutes from the beach, M.B. Miller Pier, Shipwreck Island, dining, shopping, and entertainment. This home is situated on a neighborhood pond lot with views of a fountain and only a 2 block walk to the Gulf of America. Amazing price: The house has a 3 percent assumable VA loan! The house has over $35,000 of luxury upgrades to original home.

This beach house features 9' ceilings, elegant tray ceilings, window coverings, and luxury LVP flooring in every room. The gourmet kitchen showcases granite countertops, stainless steel appliances, white cabinetry, a laundry room with a pantry, and extensive landscaping for an entertainers paradise. The private primary suite offers a tray ceiling, double vanities, soaking tub, and separate walk-in shower. This house has a mother-in-law suite where there is a private kitchen and bedroom sectioned off in its own space in the home. The house has a third driveway for that suite. High End Upgrades Include: • Luxury LVP flooring throughout the house in every room • Two kitchens in the house with main kitchen and a Mother-in-law kitchenette suite • Two laundry rooms • Upgraded lighting fixtures and door hardware • Ceiling fans in every bedroom • Professionally landscaped yard • Sidewalk surrounding the home for added convenience • Custom stone paver walkway • Tray ceilings and premium finishes throughout

  • Three car driveway This beach coastal home has all the modern luxury upgrades at an amazing price with a price you can't beat - Offering an assumable 3 percent VA rate loan! Save thousands and live close to the beach in this home with all the upgrades!

Property history

  • Pending sale

    Oct 29, 2026

    $457,900

    $250/sqft
  • Price change

    Sep 7, 2026

    $457,900

    Down 3.0%$250/sqft
  • Listed for sale

    Aug 27, 2026

    $469,900

    $256/sqft

Monthly payment estimate

$3,363/mo

Principal & interest
$2,590
Property tax
$503
Home insurance
$137
HOA fees
$133

Down payment · $95,000

Estimate only, using local tax and insurance figures. Your actual payment depends on your lender. Starting rate: Freddie Mac's 30-year fixed average, week of Oct 29.

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Map showing 109 Moonraker Cir Panama City Beach, FL 32407

Home values in 32407

in 2025
+1.2%
over 5 years
+37.2%

FHFA House Price Index for the ZIP code through 2025: past prices across the area, not a value for this home or a forecast.

Nearby cities

Distances from Panama City Beach, FL

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