285 Hugh Thomas Drive, Panama City, FL 32404 (MLS# 992581)

285 Hugh Thomas Drive, Panama City, FL 32404

$625,000

This home offers a 3-car garage, plenty of parking, and is ideally one level.

Impressive interior with open floor plan and upscale kitchen.

Kitchen features elegant Quartz countertop, stainless appliances and custom hood.

Breakfast bar is ideal for casual dining.

Capture beautiful views of the creek while preparing a meal.

Incredible interior with beautiful architectural details like wood vaulted ceilings and large sliders.

Amazing open floor plan makes entertaining easy!

Waterfront living area with pocket slider doors so you can bring the outside in.

Premier indoor/outdoor living with the expansive covered patio.

Huge landscaped backyard with plenty of room for a private pool if desired.

True serenity right outside your door the natural landscape on the water.

Spacious waterfront primary bedroom with direct access to exterior and luxury vinyl flooring.

Beautiful ensuite primary bathroom with double vanity and amazing soaking tub to unwind in.

Primary bath also has an incredible tiled walk-in shower with rain shower.

Waterfront guest bedroom with beautiful views and ensuite bathroom.

Fantastic ensuite guest bathroom with unique tile floors and walk-in shower.

Guest bedroom with ensuite bath and nice natural light.

Ensuite guest bathroom with Quartz vanity, contemporary lighting and custom tile shower/tub combo.

Elegant ensuite guest bathroom with herringbone tiled shower.

There is conveniently a powder bath off the kitchen which is great while entertaining.

Breathtaking nature views of the creek to enjoy. You can also add a dock and have easy access for paddling, kayaking or boating.

Navigate Callaway Creek right from the home and explore the waterways that connect to Callaway Bayou and Shell Island.

Ideal waterfront living and privacy with no HOA water views to the north of Calloway Creek.

Water views to the south of Calloway Creek heading to East Bay and Shell Island.

Surrounded by nature boasting nearly a half acre of property.

Don't miss out on this great opportunity for waterfront living at an amazing value for new construction.

Beautiful sunsets from nearly every room

Property Type: Residential Bedrooms: 4 Baths: 5 Square Footage: 2,438 Lot Size (sq. ft.): 19,166 Status: Active

Current Price: $625,000 List Date: 1/10/2026 Last Modified: 4/25/2026

Description

Now priced below appraised value! *Construction Complete* 1% lender credit with preferred lender to buy down rate or prepaids and closing costs! Discover your dream home located on Callaway Bayou just miles from the charm of Historic St. Andrews and downtown Panama City known for its quaint shops, dining & entertainment. This beautifully crafted NEW construction waterfront property, offering the perfect blend of modern living and tranquil waterfront beauty on nearly a half acre lot. NO HOA, NO flood insurance required! Prime location near Tyndall AFB. 2x6 construction, spray foam insulation, 5 ton HVAC, hurricane impact windows, fortified roof.

More Information MLS# 992581

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 256.36 List Date: 2025-11-20 Current Price: $625,000 List Price: $625,000

Location, Tax and Legal

Sub Area: 2702 - Bay - Central SE Elementary School: Callaway Middle School: Rutherford ( Middle ) High School: Rutherford Legal Description: GRIMES CALLAWAY BAYOU ESTS UNIT #6 146C LOT 17 BLK E ORB 4655 P 72

General Property Info

Sub-Type: Detached Single Family Design: Contemporary SqFt Source: Building Plan Immediate Occupancy: Yes Garage: Yes Carport: No Driveway Spaces: 4 Pool: No Pool Type: None Apx SqFt(Htd/Cooled): 2438 Bedrooms: 4 Full Baths: 4 Half Baths: 1 Total Bathrooms: 5 # Stories: 1 Year Built: 2024 Garage Spaces: 3 Acreage: 0.44

Listing Info, Tax & Legal

Is Subject Leased: No Assessment Fees: No New Buyer Fee: No Last Taxes: 5532.82 Last Tax Year: 2025 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: Now priced below appraised value! *Construction Complete* 1% lender credit with preferred lender to buy down rate or prepaids and closing costs! Discover your dream home located on Callaway Bayou just miles from the charm of Historic St. Andrews and downtown Panama City known for its quaint shops, dining & entertainment. This beautifully crafted NEW construction waterfront property, offering the perfect blend of modern living and tranquil waterfront beauty on nearly a half acre lot. NO HOA, NO flood insurance required! Prime location near Tyndall AFB. 2x6 construction, spray foam insulation, 5 ton HVAC, hurricane impact windows, fortified roof.

Waterfront

Bayou: 1 Waterfront Feet: 97

Construction Status

Construction Complete: 1

Parking Features

Garage Attached: 1

Waterview

Bayou: 1

Lot/Parcel Access

City Road: 1 Paved Road: 1

Lot Features

Interior: 1 Within 1/2 Mile to Water: 1

Construction/Siding

Frame: 1 Roof Dimensional Shg: 1 Siding CmntFbrHrdBrd: 1 Slab: 1

Utilities

Electric: 1 Public Sewer: 1 Public Water: 1

Zoning

Resid Single Family: 1

Exterior

Columns: 1 Patio Covered: 1 Sprinkler System: 1

Interior

Breakfast Bar: 1 Ceiling Raised: 1 Ceiling Vaulted: 1 Floor Vinyl: 1 Floor WW Carpet New: 1 Furnished - None: 1 Lighting Recessed: 1 Washer/Dryer Hookup: 1 Window Treatmnt None: 1

Financing

Conventional: 1 FHA: 1 VA: 1 None: 1

Appliances

Dishwasher: 1 Disposal: 1 Microwave: 1 Refrigerator: 1 Smoke Detector: 1 Stove/Oven Electric: 1

Energy

AC - Central Elect: 1 Ceiling Fans: 1 Double Pane Windows: 1 Heat Cntrl Electric: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Double Vanity: 1 MBath Garden Tub: 1 MBath Separate Shwr: 1 MBed Cthdrl Ceiling: 1 MBed Walk-in Closet: 1 MBed Waterfront: 1

Master Bedroom

First: 1

Bedroom

First: 1

Kitchen

First: 1

Living Room

First: 1

Rooms

Bedroom: 1 Kitchen: 1 Living Room: 1 Master Bedroom: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 27 - Bay County Street #: 285 Street Name: Hugh Thomas Street Suffix: Drive State: FL Zip Code: 32404 County: Bay Project Name/Subdivision: GRIMES CALLAWAY BAYOU ESTATES Parcel ID: 06641-995-210

Property Features

Construction Status: Construction Complete Lot Features: Interior; Within 1/2 Mile to Water Zoning: Resid Single Family Waterfront: Bayou Waterview: Bayou Parking Features: Garage Attached Exterior: Columns; Patio Covered; Sprinkler System Interior: Breakfast Bar; Ceiling Raised; Ceiling Vaulted; Floor Vinyl; Floor WW Carpet New; Furnished - None; Lighting Recessed; Washer/Dryer Hookup; Window Treatmnt None Appliances: Dishwasher; Disposal; Microwave; Refrigerator; Smoke Detector; Stove/Oven Electric Utilities: Electric; Public Sewer; Public Water Energy: AC - Central Elect; Ceiling Fans; Double Pane Windows; Heat Cntrl Electric; Water Heater - Elect Master Bedroom: First Bedroom: First Kitchen: First Living Room: First Rooms: Bedroom; Kitchen; Living Room; Master Bedroom Financing: Conventional; FHA; VA; None

Room Information

Master Bedroom Level: First Dimensions: 18 x 16 Length: 18.00 Width: 16.00 Dimensions: 18 x 16 Bedroom Level: First Dimensions: 14 x 15 Length: 14.00 Width: 15.00 Dimensions: 14 x 15 Bedroom Level: First Dimensions: 14 x 15 Length: 14.00 Width: 15.00 Dimensions: 14 x 15 Bedroom Level: First Dimensions: 15 x 15 Length: 15.00 Width: 15.00 Dimensions: 15 x 15 Kitchen Level: First Dimensions: 22 x 11 Length: 22.00 Width: 11.00 Dimensions: 22 x 11 Living Room Level: First Dimensions: 22 x 11 Length: 22.00 Width: 11.00 Dimensions: 22 x 11

Listing Office: EXP Realty LLC

Listing Agent: Abbott Martin Group

Last Updated: April - 25 - 2026

All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.