100
Cherry Street Unit# 604
Panama City | Florida
Where Luxury
Meets Living
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Josh Gettings
Presented At
$495,000
Bedrooms
3
Bathrooms
3
Living
2,701
sqft
100
Cherry Street Unit# 604
Panama City | Florida
100 Cherry Street Unit# 604, Panama City, FL 32401, Panama City, Florida, United States. , Panama City , Florida
About This Property
$40,000 HOA CREDIT FROM SELLER AT CLOSING! Welcome to a rare and architecturally intriguing residence perched on the edge of St. Andrews Bay—a double-unit offering the kind of space, light, and views you simply don't find in condominium living. Positioned high above the water in the coveted Cove Condominiums, Units 604 and 605 have been seamlessly combined to create a 2,701-square-foot midcentury-inspired haven—graced with sweeping vistas of Shell Island, shimmering sailboats gliding by, and the quiet elegance of waterfront life just minutes from Panama City's revitalized Historic Downtown.From the moment you enter, it's clear this is no ordinary condo. Wrapped in natural light and framed by full-height sliding doors, the residence opens to two expansive balconies—each commanding front-row views of the bay. One balcony has just been updated with a new surface finish; the other remains in pristine condition. Automated hurricane shutters and remote-controlled sunshades provide effortless protection and privacy while preserving the serene panorama.Inside, this thoughtfully curated home boasts refreshed parquet flooring, all-new designer lighting throughout, and a fresh coat of paint that highlights the crisp, clean lines of its original design. The kitchen is both beautifully updated and functionally exceptional, featuring a Wolf cooktop, top-of-the-line Maytag oven, and built-in Jenn-Air microwave—a rare combination of performance and sophistication that elevates the culinary experience. Additionally, three full bathrooms—each attached to a private bedroom suite—deliver comfort and privacy for family or guests.The owner's suite is a true sanctuary, featuring private balcony access, panoramic water views, and a pair of walk-in closets—his and hers—each appointed with custom built-ins for effortless organization and elevated living. A secondary bedroom also enjoys direct balcony access, while the third suite offers quiet separation and its own en-suite bath, making it perfect for guests or multigenerational living. One of the most compelling spaces is the bay-facing office, adorned with wall-to-wall built-in bookshelves and balcony access—a statement-making space equally suited for productivity or quiet reflection.Dual HVAC systems have been recently replaced, ensuring the residence remains energy efficient and climate controlled year-round. Two private storage units are included, along with two parking spaces just steps from the elevator—a rarity in most communities of this scale.The Cove Condominium lifestyle is equally refined, offering residents access to a waterfront pool, a generous community clubhouse, and a dock for fishing or tying up your boat after a leisurely sail on the bay. Just beyond the gates, you're walking distance from the restaurants, boutiques, and galleries of Historic Downtown Panama City—where the charm of the past meets the energy of the present.Unit 604/605 at 100 Cherry Street is a truly unique opportunity to own one of the largest and most beautifully appointed waterfront homes in the area, marrying timeless design with everyday livability in an unbeatable location.
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Local Weather & Climate
Panama City, Florida
Current Conditions
Updated recently
45
°F
Clear sky
Feels Like
41°F
Humidity
89%
Wind
7 mph
Visibility
6.2 mi
Sunrise
12:34 PM
Sunset
11:17 PM
5-Day Forecast
Fri
30
Jan
Clouds
High
62°
Low
48°
Sat
31
Jan
Clouds
High
53°
Low
37°
Sun
1
Feb
Clear
High
46°
Low
28°
Mon
2
Feb
Clear
High
51°
Low
35°
Tue
3
Feb
Clouds
High
58°
Low
43°
Annual Climate
Based on last 12 months
62°
Avg Low
Jan
79°
Avg High
Jul
196
Rainy Days
per year
Arid
Semi-Arid
Moderate
Wet
57"
Annual Rainfall
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1
Snow Days
per year
Monthly Temperatures
Data from OpenWeatherMap & Open-Meteo
Walkability & Transit Scores
How easy is it to get around Panama City?
Walkability and transit scores for this address come from the EPA National Walkability Index.
Mortgage Calculator
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%
$100,000
%
Estimated Monthly Payment
$3,160
Monthly Payment Breakdown
Principal & Interest
$2,528
Loan Amount
$400,000
Total Interest
$337,621
Total Cost
$737,621
Potential Tax Benefits (United States)
$0
Est. First Year Interest Deduction
$0
Est. Annual Tax Savings
*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.
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- Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
- Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.
Tax Information Disclaimer
The tax benefit information displayed on this page is provided for general informational and educational purposes only. This information:
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Before making any decisions based on potential tax benefits, you should consult with a qualified tax advisor, certified public accountant (CPA), or licensed tax professional who can evaluate your specific circumstances and provide advice tailored to your situation.
Frequently Asked Questions
Common questions about this property
This apartment at 100 Cherry Street Unit# 604, Panama City, FL 32401, Panama City, Florida, United States features 3 bedrooms with 2,701 square feet of living space.
This property offers 2,701 square feet of living space.
This property is listed at $49,500,000, which equals $18327 per square foot.
Panama City features a pleasant climate. Average temperatures range from 62°F in winter to 79°F in summer. The area receives approximately 57 inches of precipitation annually. There are about 196 days with rain throughout the year. Expect around 1 days with snow. This climate information can help you plan for seasonal activities and energy costs.
Panama City tends to be warmest in Jul and coldest in Jan. The shoulder seasons of spring and fall often offer the most comfortable weather for moving and outdoor activities.
This is a apartment located in Panama City, Florida. The property is situated in an established neighborhood with convenient access to local amenities and services.
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