My Office's Listings

Some or all of the listings below are provided by the Ryan Realty office.
$925,000 (USD)
Active

Bel Air Area Single Family Home

Active

8319 Thomas Drive East Side Panama City Beach, FL 32408

3 Bed
5 Baths
2244 sqft
MLS# 789978
FINANCIAL POWERHOUSE! This prime beachside asset commands an Estimated Annual Gross Rental Revenue between $85,000 - $90,000. Designed for compounding returns, this revenue is projected to increase year-over-year. By capturing highly valuable repeat guests, you will maximize occupancy rates and secure a rapidly increasing ROI from day one. Full historical data (coming soon) and future projections are available upon request. This highly-rated VRBO property is in the top 10% of guest reviews for the area, with 139 reviews in total.

LUXURY COASTAL LIVING MEETS A LEGACY OF MEMORIES. This isn't just a beach house; it is a ''Love-Held'' sanctuary where generations have gathered to discover the very best of Northwest Florida. From the quiet shores of Cape San Blas to the historic charm of Pensacola, this home has served as the ultimate home base for family reunions and life-changing adventures. The current owners' children are reluctant to let it go--and for good reason. It has been a magical learning environment where the kids grew up alongside the Gulf, learning the pride of homeownership and the joy of coastal stewardship. While the family is ready to move on to their next chapter, they leave behind a home filled with soul and a foundation built for a lifetime of new traditions.

PRISTINE BEACHSIDE ELEGANCE JUST STEPS FROM THE SHORE. Located on the coveted beach side of Thomas Drive--just three lots off the emerald waters--this 2,934 (total sq. ft.) Tuscan-inspired residence offers breathtaking Gulf views from the third level. The interior is a masterclass in luxury, featuring 10-foot ceilings on the first floor, granite countertops, and high-end stainless appliances. Designed to sleep 10, the layout includes three large bedrooms plus two built-in bunk areas, ensuring plenty of space for everyone to spread out. With four covered balconies, two electric fireplaces for ambience/light only, a jetted master tub, every detail has been curated for comfort and sophisticated beach living.

YOUR PRIVATE OUTDOOR OASIS WITH UNMATCHED UTILITY. Step outside into your own private retreat featuring a gunite pool, recently upgraded with a new pump and filter (2022). This ''Twin Home'' attached single unit offers a rare advantage: a solid concrete divider wall that ensures absolute privacy and zero sound transfer between sides. Unlike most beach properties, parking is never an issue here. The expansive driveway accommodates up to 8 vehicles (4 side, 4 front), providing ample space to park your RV or boat right on the property--a true rarity so close to the Gulf.

A TURN-KEY, COMPLETELY FURNISHED INVESTMENT. Whether you are seeking a premier primary residence or a high-performing vacation asset, this property is being sold fully furnished and ready to deliver from day one. The home features a brand-new downstairs water heater (2024), and a newer upstairs HVAC. Perfectly positioned in the quieter area of Panama City Beach, you are just a short drive from the world-class dining and shopping of 30A, Destin, Mexico Beach and Port St. Joe, while remaining tucked away in a peaceful, highly flexible coastal pocket.
Listing Courtesy of CENTRAL PANHANDLE / Listed By: Danielle Kemp, Century 21 Ryan Realty
$925,000 (USD)
Active

Panama City Beach Area Multi-Family Home

Active

8319 Thomas Drive Panama City Beach, FL 32408

3 Bed
5 Baths
2244 sqft
MLS# 1003734
FINANCIAL POWERHOUSE! This prime beachside asset commands an Estimated Annual Gross Rental Revenue between $85,000 - $90,000. Designed for compounding returns, this revenue is projected to increase year-over-year. By capturing highly valuable repeat guests, you will maximize occupancy rates and secure a rapidly increasing ROI from day one. Full historical data (coming soon) and future projections are available upon request. This highly-rated VRBO property is in the top 10% of guest reviews for the area, with 139 reviews in total. LUXURY COASTAL LIVING MEETS A LEGACY OF MEMORIES. This isn't just a beach house; it is a ''Love-Held'' sanctuary where generations have gathered to discover the very best of Northwest Florida. From the quiet shores of Cape San Blas to the historic charm of Pensacola, this home has served as the ultimate home base for family reunions and life-changing adventures. The current owners' children are reluctant to let it go--and for good reason. It has been a magical learning environment where the kids grew up alongside the Gulf, learning the pride of homeownership and the joy of coastal stewardship. While the family is ready to move on to their next chapter, they leave behind a home filled with soul and a foundation built for a lifetime of new traditions. PRISTINE BEACHSIDE ELEGANCE JUST STEPS FROM THE SHORE. Located on the coveted beach side of Thomas Drive--just three lots off the emerald waters--this 2,934 (total sq. ft.) Tuscan-inspired residence offers breathtaking Gulf views from the third level. The interior is a masterclass in luxury, featuring 10-foot ceilings on the first floor, granite countertops, and high-end stainless appliances. Designed to sleep 10, the layout includes three large bedrooms plus two built-in bunk areas, ensuring plenty of space for everyone to spread out. With four covered balconies, two electric fireplaces for ambience/light only, a jetted master tub, every detail has been curated for comfort and sophisticated beach living. YOUR PRIVATE OUTDOOR OASIS WITH UNMATCHED UTILITY. Step outside into your own private retreat featuring a gunite pool, recently upgraded with a new pump and filter (2022). This ''Twin Home'' attached single unit offers a rare advantage: a solid concrete divider wall that ensures absolute privacy and zero sound transfer between sides. Unlike most beach properties, parking is never an issue here. The expansive driveway accommodates up to 8 vehicles (4 side, 4 front), providing ample space to park your RV or boat right on the property--a true rarity so close to the Gulf. A TURN-KEY, COMPLETELY FURNISHED INVESTMENT. Whether you are seeking a premier primary residence or a high-performing vacation asset, this property is being sold fully furnished and ready to deliver from day one. The home features a brand-new downstairs water heater (2024), and a newer upstairs HVAC. Perfectly positioned in the quieter area of Panama City Beach, you are just a short drive from the world-class dining and shopping of 30A, Destin, Mexico Beach and Port St. Joe, while remaining tucked away in a peaceful, highly flexible coastal pocket.
Listing Courtesy of EMERALD COAST / Listed By: Katie Patronis, Century 21 Ryan Realty
$725,000 (USD)
Coming Soon

Origin At Seahaven Area Condominium

Coming Soon

15100 Front Beach Road 1002 & 1004 Panama City Beach, FL 32413

2 Bed
2 Baths
1266 sqft
COMING SOON NO SHOWINGS

ULTRA-EXCLUSIVE OPPORTUNITY: TWO INCOME-PRODUCING LUXURY RESIDENCES FOR ONE UNBEATABLE PRICE IN A RARE LOCK-OUT CONFIGURATION AT ORIGIN AT SEAHAVEN! Whether you are looking for a powerhouse short-term rental engine or an effortless personal getaway, this versatile layout delivers elite revenue flexibility and coastal prestige in the heart of the central beach district. Completely unlike anything else on the coast, these adjoining plug-and-play residences can be rented together or separately to maximize your yield. Not one single detail has been overlooked, featuring ultra-premium finishes, high-end design elements, and stunning, sweeping views of the Gulf from top to bottom.

WAKE UP AND STROLL ALONG TO YOUR PRIVATE BEACH ACCESS TO THE EMERALD WATERS. Experience unmatched entertaining spaces outside of the unit with a massive, spectacular shared rooftop deck mixing breathtaking views with an incredible bbq space. Dip into the resort pool, sizzle on the sun deck, and train in the state-of-the-art fitness center.

LOCATED DIRECTLY ACROSS THE STREET FROM THE LEGENDARY SHARKY'S BEACHFRONT RESTAURANT, YOU ARE PERFECTLY POSITIONED TO ENJOY THE ENERGY OF THE COAST WITHOUT ANY OF THE HEADACHES. Positioned outside of the frantic crowds of Pier Park, yet close enough to drive into it for entertainment and dining in just a few minutes.

THE AMBIANCE INSIDE IS ELEVATED BY HIDDEN, CUSTOM UPGRADES THAT SET A NEW STANDARD OF LUXURY FOR THE BUILDING. Step into a space curated for high-end sensory comfort, featuring a premium multi-zone lighting infrastructure fully equipped with adjustable dim settings to seamlessly transition from bright coastal afternoons to intimate evening warmth throughout the expansive kitchen and living areas.

THE PROPERTY BOASTS TOP-OF-THE-LINE, DESIGNER CURATED FURNITURE AND AN ULTRA-LUXURY, EXPENSIVE SLEEP SYSTEM IN THE MASTER SUITE VALUED NEAR FIVE FIGURES. No expense was spared in styling these units--from the striking brick accent walls to the pristine finishes throughout--and for a buyer acting swiftly, the entire elite turnkey furniture package conveys fully at asking price. A true sleeper sanctuary and environment of this caliber ensures impeccable guest satisfaction, skyrocketing your 5-star reviews and securing high-value repeat clientele.

THIS PROPERTY HAS BEEN LOVINGLY UTILIZED SOLELY AS A PERSONAL ESCAPE AND HIGH-END FAMILY RETREAT, MEANING THE INTERIOR WEAR-AND-TEAR IS VIRTUALLY ZERO. Because it has never been subjected to heavy rental traffic, every square inch remains immaculate, from the modern kitchen and custom dining spaces to the clean utility and luxury bath areas. The pristine condition pairs beautifully with a highly efficient HVAC system that is only 2 years old, while smart tech integration ensures seamless entry past the secure foyer. Derived directly from hyper-local market history for this specific floor plan, conservative projections show an estimated gross annual revenue of $42,000 - $46,000+, with strong compounding ROI potential.

BUY WITH ABSOLUTE PEACE OF MIND. This is an exceptionally secured property with a healthy, financially sound HOA.

THIS IS AN IRREPLACEABLE ASSORTMENT OF UPGRADED LUXURY, FINANCIAL SECURITY, AND UNMATCHED PLACEMENT. Properties in this elite stack with this caliber of customization do not last--you must schedule your tour for the moment showings become available, and claim the best on the coast.
Listing Courtesy of CENTRAL PANHANDLE / Listed By: Danielle Kemp, Century 21 Ryan Realty
$650,000 (USD)
Active

No Recorded Subdiv Area Single Family Home

Active

3875 Cape San Blas Road B3 Cape San Blas, FL 32456

3 Bed
3 Baths
1512 sqft
MLS# 791340
WELCOME TO 3875 CAPE SAN BLAS RD (UNIT B-3), KNOWN AS ''THE HIDDEN PEARL.'' Located in the highly sought-after North Cape area, this 3-bedroom, 2.5-bathroom townhome offers a rare dual-waterfront experience. Here, you are close enough to the water to wake up to breathtaking, vibrant sunrises over St. Joseph Bay and end your evenings watching spectacular, unobstructed sunsets dip into the Gulf of Mexico. Whether you are looking for a private seaside retreat or a lucrative, turn-key addition to your portfolio, this 1,512-square-foot (2,624 sqft total) furnished beach townhome delivers the ultimate coastal lifestyle!

FOR ANYONE WATCHING THE CAPE, THE MONUMENTAL 2026 BEACH RENOURISHMENT PROJECT IS A GAME-CHANGER. Roughly 830,000 cubic yards of fresh, pristine sand has already been successfully placed along the shoreline just north of Stumphole, and crews are staging the rock for the final phase: eight strategically placed, submerged breakwaters. These innovative, nature-based structures are designed to hold the new sand on the beach much longer, absorb wave energy, and drastically slow natural erosion, actively protecting the coastline and cementing the long-term value of your investment on the Forgotten Coast.

THE LIFESTYLE ON THE CAPE IS UNMATCHED, OFFERING A PERFECT BLEND OF OLD FLORIDA TRANQUILITY AND OUTDOOR ADVENTURE. Spend your late summers snorkeling and scalloping in the shallow waters of the bay, or explore the nearby state parks renowned for their diverse wildlife, sea turtle nesting, and towering dunes. When you are ready to venture out, you are just a short, scenic drive from the historic charm of Port St. Joe, Windmark, and the beautiful coast of Mexico Beach. Spend afternoons strolling under coastal oaks, browsing the boutique shops along Reid Street, and capping off the evening with world-class local seafood at staples like Hunt's Oyster Bar.

SOLD FULLY FURNISHED, THE HOME'S LAYOUT IS PERFECTLY OPTIMIZED FOR ENTERTAINING AND RELAXATION. The spacious, open-concept living area on the main level flows seamlessly onto a large screened-in porch, creating the perfect spot to enjoy the coastal breeze. The fully stocked kitchen boasts fantastic bay views, plenty of prep space, and a convenient breakfast bar, while a large dining table and a half-bath complete this main entertaining floor.

THE TOP FLOOR IS DEDICATED TO REST, FEATURING A MASTER SUITE WITH A KING-SIZE BED, A PRIVATE EN-SUITE BATHROOM, AND ACCESS TO A PRIVATE, OPEN SUNDECK. This vantage point offers some of the most stunning, elevated views of the Gulf that you will ever find, allowing you to drift to sleep listening to the sound of crashing waves. Down the hall, the Bayside bedroom offers a queen bed and its own private balcony overlooking the calm waters of the St. Joe Bay, while the third bedroom features a versatile duo bunk (double bottom, twin top) to easily accommodate guests. These two rooms share a full hallway bathroom, and covered under-house parking provides ample space for your vehicle.

AS A TURN-KEY PROPERTY CURRENTLY THRIVING, ''THE HIDDEN PEARL'' BOASTS A PROVEN, HIGHLY CONSISTENT REVENUE HISTORY. Generating $76,000 in gross rental income in 2022 and $46,275 in 2023, the strong performance continued with $56,226 across 220 booked nights in 2024, and $52,678 over 208 booked nights in 2025. For the 2026 season year-to-date through mid-June, the home has already secured $27,143 across 100 nights. This is as close as you can get to the beach without the beachfront price tag, representing a seamless blend of personal enjoyment and reliable passive income, with all the modern upgrades!
Listing Courtesy of CENTRAL PANHANDLE / Listed By: Danielle Kemp, Century 21 Ryan Realty
$650,000 (USD)
Active

Cape San Blas Area Single Family Home

Active

3875 Cape San Blas Rd B3 Cape San Blas, FL 32456

3 Bed
3 Baths
2624 sqft
MLS# 328658
WELCOME TO 3875 CAPE SAN BLAS RD (UNIT B-3), KNOWN AS ''THE HIDDEN PEARL.'' This North Cape 3-bed, 2.5-bath townhome offers a rare dual-waterfront experience. Wake up to vibrant St. Joseph Bay sunrises and enjoy spectacular Gulf sunsets. A turn-key 1,512-sqft (2,624 total) furnished retreat delivering the ultimate coastal lifestyle! FOR ANYONE WATCHING THE CAPE, THE MONUMENTAL 2026 BEACH RENOURISHMENT PROJECT IS A GAME-CHANGER. With fresh sand placed north of Stumphole, crews are installing eight submerged breakwaters to absorb wave energy and slow erosion, actively protecting the coastline and cementing the long-term value of your Forgotten Coast investment. THE LIFESTYLE ON THE CAPE IS UNMATCHED, OFFERING A PERFECT BLEND OF OLD FLORIDA TRANQUILITY AND OUTDOOR ADVENTURE. Scallop in the bay, explore nearby state parks, or take a scenic drive to Port St. Joe, Windmark, and Mexico Beach. Browse shops along Reid Street and enjoy local seafood at staples like Hunt's Oyster Bar. SOLD FULLY FURNISHED, THE HOME'S LAYOUT IS PERFECTLY OPTIMIZED FOR ENTERTAINING AND RELAXATION. The open living area flows onto a large screened porch. The fully stocked kitchen boasts bay views and a breakfast bar, while a dining area and half-bath complete the main floor. THE TOP FLOOR IS DEDICATED TO REST, FEATURING A MASTER SUITE WITH A KING-SIZE BED, A PRIVATE EN-SUITE BATHROOM, AND ACCESS TO A PRIVATE, OPEN SUNDECK. Enjoy elevated Gulf views and ocean sounds. A Bayside queen bedroom features a private bay-view balcony, while a third bedroom has a versatile duo bunk. They share a full bath. Covered parking included. AS A TURN-KEY PROPERTY CURRENTLY THRIVING, ''THE HIDDEN PEARL'' BOASTS A PROVEN, HIGHLY CONSISTENT REVENUE HISTORY. GRI: $76K in 2022, $46K in 2023, $56K in 2024, and $52K in 2025. 2026 YTD through mid-June has secured over $27K. Close to the beach without the beachfront price tag, blending personal enjoyment with reliable passive income!
Listing Courtesy of Forgotten Coast REALTOR Association / Listed By: Danielle Kemp, Century 21 Ryan Realty
$649,000 (USD)
Active

Boardwalk Central Area Condominium

Active

9450 S Thomas Drive 209C Panama City Beach, FL 32408

2 Bed
2 Baths
1152 sqft
MLS# 778673
Gulf-front retreat at Boardwalk Beach Resort Condominium! This beautifully furnished 2 BR/2 BA condo on the 2nd floor offers stunning views of the sugar-white sands and emerald waters from your private balcony. Features include fully equipped kitchen, spacious master suite, with a gorgeous view of the Gulf and a private balcony access. Beautifully renovated with new open shelving, shiplap, and quartz countertops in the kitchen. New sinks, faucets, cabinetry, flooring, lights, fans, and refrigerator. Coastal furnishings and decor provide the ultimate luxurious beach experience with gorgeous views. The condo is fully furnished and move-in or rental ready! Boardwalk is a premier resort with a resort-style pool, kids' splash zone, fitness center, beachfront bar & grill, and 24-hour security. Perfect for a vacation home or rental investment. . This is the condo you have been waiting for! Contemporary design along with Beach Coastal furnishings and decor provides the ultimate luxurious beach experience with gorgeous Gulf front views. Beautiful 2nd floor (NO WAITING ON ELEVATORS) has open shelving, shiplap, and quartz countertops in the kitchen boasting a spacious and very modern culinary experience! Master bedroom has a gorgeous view of the Gulf as well with a private balcony access.
Listing Courtesy of CENTRAL PANHANDLE / Listed By: Katie Patronis, Century 21 Ryan Realty