Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 2 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 3 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 4 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 5 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 6 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 7 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 8 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 9 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 10 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 11 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 12 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 13 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 14 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 15 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 16 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 17 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 18 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 19 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 20 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 21 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 22 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 23 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 24 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 25 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 26 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 27 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 28 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 29 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 30 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 31 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 32 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 33 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 34 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 35 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 36 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 37 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 38 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 39 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 40 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 41 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 42 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 43 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 44 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 45 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 46 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 47 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 48 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 49 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 50 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 51 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 52 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 53 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 54 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 55 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 56 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 57 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 58 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 59 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 60 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 61 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 62 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 63 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 64 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 65 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 66 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 67 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 68 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 69 of 70
Townhouse at 101 SAND OAK BLVD, PANAMA CITY BEACH, photo 70 of 70
70 photos

$399,900

101 SAND OAK BLVD
PANAMA CITY BEACH, FL 32413
Listed by Daniel Robinson · HOUWZER INC
Bedrooms
3
Bathrooms
2.5
Living area
1,898 sqft
Year built
2008

About this home

Whisper Dunes Phase 1-A Lot 1 ORB Immaculate Townhome in Whisper Dunes was once the Model Home for the community so it has many add ons and features most townhomes don't have ! This 3 bedroom 2 1/2 bath corner unit has tons of natural light; open living floor plan; tile flooring downstairs; upgraded wood cabinets; Built in surround sound & even a Two car tiled garage floor! Upon entering the home you are greeted with a large dining area, comfortable living room, 1/2 Bath and Beautiful Kitchen that includes Stainless Steel Appliances. The upstairs Loft area has Bamboo floors and extra cabinets built in for storage. The Master Bedroom has a Huge walk in closet,Full Soaking Tub & separate shower in the Master Bath. The Backyard is very peaceful with a Stone HardScape Feature & Seating Area. Also Note; Roof; HVAC; Hot Water Heater/with Booster; ALL NEW WITHIN LAST FEW MONTHS !

Property details

MLS
Stellar MLS
MLS #
MFRO6416314
Property type
Townhouse
Subdivision
WHISPER DUNES PH 01-A
Status
Active
Days on market
1
On market date
July 7, 2026
Stories
N/A
Total bathrooms
2.5
Garage spaces
2
Parking spaces
N/A
Lot size
0.13 acres
Loading map…

Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
WEST BAY ELEMENTARY SCHOOL
5.23 mi away · Grades 0-5
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
308
Student:teacher ratio
18.1:1
District
BAY
Middle
SURFSIDE MIDDLE SCHOOL
5.86 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
791
Student:teacher ratio
18.8:1
District
BAY
High
J.R. ARNOLD HIGH SCHOOL
8.07 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,504
Student:teacher ratio
23.1:1
District
BAY

Walkability

Blended score for PANAMA CITY BEACH's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

19
Very car-dependent
out of 100
EPA National Walkability Index
4.8 / 20 -- Least walkable
Google Places amenity density
10 / 100
Restaurants & cafes4
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

$
%
%
Adjust tax / insurance estimates
% / yr
$
/mo
Est. monthly payment
$2,558/mo
$79,980 down
$319,920 loan
Principal & interest$2,075
Property tax (est.)$333
Home insurance (est.)$150

Similar homes you might like

Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated July 8, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.