1164 Cove Pointe Drive
Panama City, FL 32401
Map
- 4 beds
- 4 baths
- 3,487 sqft
- ~1/2 acre lot
- $714 per sqft
- 2023 build
- – on site
MOVE-IN READY | NO LEASE-BACK | WATERFRONT MODEL HOME WITH DESIGNER FURNISHINGS The showpiece model everyone remembers is now available for immediate occupancy—no lease-back required. Previously offered with an 18-month delay, this fully furnished Arthur Rutenberg home is ready for its first full-time owner. Positioned on 154 feet of deep-water bayou frontage, this custom-built residence blends timeless elegance with modern functionality in the waterfront community of Cove Pointe. With over 5,000 square feet under roof, the 4-bedroom plus den plus bonus room layout showcases soaring vaulted ceilings with exposed beams, disappearing glass walls, and curated designer finishes throughout. The heart of the home opens to a resort-style outdoor living space featuring a vanishing-edge pool, spa, lanai, cabana, and a fully equipped outdoor kitchen. Additional highlights include a gourmet kitchen with hidden pantry, smart home features, a 3-car garage, and a private Home Delivery Center for secure, contact-free package drop-off. Located in a tranquil bayou setting with direct access to Shell Island and the Gulf, and situated in a low-dues HOA community, this is a rare opportunity to own a turnkey luxury waterfront property without the wait. All information deemed reliable but not guaranteedif important, buyer to verify.
Last checked:
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Last updated Jun 16, 2025
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MLS# 978870 —
The Building
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Year Built:2023
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Construction Materials:Siding CmntFbrHrdBrd, Stucco
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Building Area Total:3487.0
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Building Area Source:Building Plan
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Architectural Style:Contemporary
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Stories:1
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Levels:None
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Exterior Features:Hot Tub, Sprinkler System, Summer Kitchen
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Window Features:Double Pane Windows
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Accessibility Features:None
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Direction Faces:None
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Patio And Porch Features:Patio Covered
Interior
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Interior Features:Ceiling Beamed, Ceiling Vaulted, Kitchen Island
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Rooms Total:6
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Fireplace:No
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Fireplaces Total:None
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Laundry Features:None
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Flooring:Floor Hardwood, Floor Tile, Floor WW Carpet New
Room Dimensions
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Living Area:None
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Living Area Units:None
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Living Area Source:None
Financial & Terms
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Buyer Financing:Conventional, FHA, VA
Location
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Directions:Headed South on Martin Luther King Jr Blvd, left onto Bus 98, right onto E Fourth st, becomes Mercedes, left onto E Third Ct, enter into Cove Pointe, take a right and follow circle, pass round about and home is on the right.
The Property
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Property Type:Residential
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Property Subtype:Detached Single Family
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Property Condition:Construction Complete
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Property Attached:None
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Lot Features:Aerials/Topo Availbl, Covenants, Irregular, Restrictions
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Lot Size Acres:0.57
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Lot Size Area:0.57
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Lot Size Dimensions:Irregular
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Lot Size SqFt:24829.2
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Lot Size Units:Acres
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Zoning:Resid Single Family
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Possible Use:None
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Parcel Number:21267-106-000
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Topography:None
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View:Bayou
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Waterfront:true
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Waterfront Features:Bayou, Shore - Natural
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Water Body Name:None
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Road Surface Type:Paved
Listing Agent
- Contact info:
- No listing contact info available
Taxes
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Tax Year:2024
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Tax Annual Amount:16092.1
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Tax Legal Description:COVE POINTE LOT 6 ORB 4506 P 176
Beds
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Bedrooms Total:4
Baths
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Total Baths:4.0
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Total Baths:4
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Full Baths:4
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Partial Baths:None
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Three Quarter Baths:None
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Quarter Baths:None
The Listing
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Virtual Tour URL Branded:None
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Virtual Tour URL Unbranded:https://www.zillow.com/view-imx/1fc374cf-9825-4a94-bafe-b4c667a284da?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard
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Home Warranty:No
Heating & Cooling
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Heating:Natural Gas
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Heating:true
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Cooling:Ceiling Fans, Central Air
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Cooling:true
Utilities
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Utilities:Gas - Natural, Public Water, TV Cable, Underground
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Electric:None
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Sewer:Public Sewer
Appliances
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Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer, Water Heater - Gas, Water Heater - Tnkls
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Dryer:true
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Washer:true
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Disposal:true
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Microwave:true
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Dishwasher:true
Schools
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Elementary School:Cherry Street
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Elementary School District:None
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Middle Or Junior School:Jinks
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Middle Or Junior School District:None
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High School:Bay
The Community
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Subdivision Name:Cove Pointe
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Association:true
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Association Amenities:None
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Association Fee:None
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Association Fee 2:776.0
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Association Fee Frequency:Annually
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Pool Private:None
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Pool Features:Pool - In-Ground, Pool Type
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Spa Features:None
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Pets Allowed:None
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Senior Community:No
Parking
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Garage Spaces:3.0
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Attached Garage:true
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Carport:false
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Parking Features:Garage
Monthly cost estimate
Asking price
$2,490,000
| Expense | Monthly cost |
|---|---|
|
Mortgage
This calculator is intended for planning and education purposes only. It relies on assumptions and information provided by you regarding your goals, expectations and financial situation, and should not be used as your sole source of information. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. |
$13,333
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| Taxes | $1,341 |
| Insurance | $684 |
| Utilities | $208 See report |
| Total | $15,566/mo.* |
| *This is an estimate |
Walk Score®
Provided by WalkScore® Inc.
Walk Score is the most well-known measure of walkability for any address. It is based on the distance to a variety of nearby services and pedestrian friendliness. Walk Scores range from 0 (Car-Dependent) to 100 (Walker’s Paradise).
Bike Score®
Provided by WalkScore® Inc.
Bike Score evaluates a location's bikeability. It is calculated by measuring bike infrastructure, hills, destinations and road connectivity, and the number of bike commuters. Bike Scores range from 0 (Somewhat Bikeable) to 100 (Biker’s Paradise).
Soundscore™
Provided by HowLoud
Soundscore is an overall score that accounts for traffic, airport activity, and local sources. A Soundscore rating is a number between 50 (very loud) and 100 (very quiet).
Air Pollution Index
Provided by ClearlyEnergy
The air pollution index is calculated by county or urban area using the past three years data. The index ranks the county or urban area on a scale of 0 (best) - 100 (worst) across the United Sates.
Max Internet Speed
Provided by BroadbandNow®
This is the maximum advertised internet speed available for this home. Under 10 Mbps is in the slower range, and anything above 30 Mbps is considered fast. For heavier internet users, some plans allow for more than 100 Mbps.
Sale history
| Date | Event | Source | Price | % Change |
|---|---|---|---|---|
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6/16/25
Jun 16, 2025
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Listed / Active | ECARMLS | $2,490,000 |
