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Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach!

Photo gallery for Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach!

Sun Room/Front Porch
Sun Room/Front Porch
Sun Room/Front Porch
Front View of House
Front View of House

Reviews

9.6 out of 10
Exceptional
3 bedrooms1 bathroomSleeps 8

Popular amenities

  • Onsite parking available
  • Dog-friendly
  • Kitchen
  • Washing machine
  • Air-conditioning
  • Barbecue grill

Explore the area

View in a map
Panama City, FL
  • Place, St. Andrews Bay
    ‪3 min walk‬
  • Place, Oakland Terrace Park
    ‪8 min walk‬
  • Place, Eleventh Street Shopping Center
    ‪19 min walk‬
  • Airport, Panama City, FL (ECP-Northwest Florida Beaches Intl.)
    ‪35 min drive‬

Rooms & beds

3 bedrooms (sleeps 8)

Bedroom 1

1 Queen Bed

Bedroom 2

1 Queen Bed

Bedroom 3

1 Queen Bed

Living Room 2

1 Queen Sofa Bed

1 bathroom

Bathroom 1

Soap · Towels provided · Bathtub or shower · Bathtub · Toilet · Shampoo · Hair dryer

Spaces

Deck or patio
Porch or lanai
Kitchen
Number of living rooms
Outdoor play area
Garden
Dining area

About this property

Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach!

Restored Charming Florida Cottage
Fantastic Location!
All you need is your flip flops and bathing suit!
Walking distance to the beach, downtown St. Andrews and downtown Panama City. Quiet neighborhood but still in the middle of all there is to love about Panama City and the St. Andrews area.

THE SPACE:
As you enter this beautifully restored 1942 Florida Cottage, you are greeted first by the charming Florida room where you can enjoy your coffee in the morning, a cocktail in the evening or both! From there you are welcomed into the living room and dining room spaces, both offering a stunning backdrop of exposed brick and charm galore!

The tastefully decorated living room offers plenty of comfortable seating, television and cozy spaces to curl up with a good book. Next up, the beautiful kitchen is truly at the heart of this home! It is nestled between the dining room and the enclosed back porch so you are still part of the conversation while whipping up a gourmet meal! The enclosed porch comes complete with a pull out sleep sofa, comfy seating, electric fireplace, television, coffee station and plenty of games and reading for all ages.
Step down into the attached game room and you’ll find a foosball table, card table, more games and the laundry facilities.

The back yard is fully fenced with tons of space for corn hole, frisbee, or just relaxing under the covered seating area. Additional amenities include a fire-pit, BBQ grill, beach wagon, beach chairs and toys to make your day on the beach perfect!

3 full bedrooms each with queen beds, closets and dressers. Each is also equipped with room darkening shades. Full bath with tub and shower, start up shampoo, conditioner and soap included! Additional pull out sofa with queen bed.

The house is located 1.5 blocks from St. Andrews Bay to the south with a public beach access and 2 blocks to Lake Caroline to the east. You are 1 mile to downtown St. Andrews where you will find tons of great restaurants, shopping and the St. Andrews Marina! Also only 2 miles from downtown Panama City which is undergoing a wonderful revitalization!
Guest access
The entire house is at your disposal. The only restrictions are the outdoor shed and the locker in bedroom #1
Other things to note
Smoking is not allowed in the house, If you smoke outside, please do not leave butts in the yard.
If you have a pet, please clean up behind them.
Absolutely no parties without prior approval from management.
Beach equipment in the back yard is here for to use, we just ask that you return it to it's spot before you check out.

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House Rules

Check in after 4:00 PM
Minimum age to rent: 25
Check out before 10:00 AM
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Children

Children allowed: ages 0–17
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Events

No events allowed
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Pets

Pets allowed: dogs less than 23 kg per pet (limit 2 pets total)
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Smoking

Smoking is not permitted

Check-out instructions

The host requires you to complete the following before checking out:
Load the dishwasher
Gather used towels
Take out the rubbish
Turn off the lights and lock the doors
Please be sure that the blue trash bin is at the curb before leaving- trash pick up is Tuesday and Friday
Please set the thermostat to 74 degrees before leaving
Failure to complete these may result in a negative review from the host.
Smoking allowed outside only. A butt bin is out back. Please do not leave butts in the yard, doing so will result in an additional cleaning fee.

Important information

You need to know

Property # 4636222vb
Extra-person charges may apply and vary depending on property policy
Government-issued photo identification and a credit card, debit card or cash deposit may be required at check-in for incidental charges
Special requests are subject to availability upon check-in and may incur additional charges; special requests cannot be guaranteed
On-site parties or group events are strictly prohibited
Long-term renters welcome
Host has indicated that there is a carbon monoxide detector on the property
Host has indicated that there is a smoke detector on the property
Safety features at this property include a fire extinguisher and a deadlock

About the area

Panama City

Panama City is home to this holiday home. Pier Park and Thomas Drive are worth checking out if shopping is on the agenda, while those wishing to experience the area's popular attractions can visit Shipwreck Island Waterpark and Frank Brown Park. Travelling with kids? Consider Visual Arts Center of Northwest Florida and Panama City Center for the Arts.
View more Holiday homes in Panama CityOpens in a new window
Map
Panama City, FL

What's nearby

  • St. Andrews Bay - 3 min walk - 0.3 km
  • Oakland Terrace Park - 8 min walk - 0.7 km
  • Al Helms Dog Park - 15 min walk - 1.3 km
  • Eleventh Street Shopping Center - 19 min walk - 1.6 km
  • beach near St Andrews - 1 min drive - 1.4 km

Getting around

  • Panama City, FL (ECP-Northwest Florida Beaches Intl.) - 45 min drive

Restaurants

  • ‪Burger King - ‬15 min walk
  • ‪Buddy Gandy Seafood Inc - ‬3 min drive
  • ‪Uncle Ernie's - ‬3 min drive
  • ‪Oasis Liquors - ‬19 min walk
  • ‪Popeyes Louisiana Kitchen - ‬17 min walk

Frequently asked questions

Is Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach! pet-friendly?

Yes, this property allows dogs (limit 2 total) with a maximum weight of up to 23 kg per pet.

How much does it cost to stay at Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach!?

As of 10 May, 2026, prices found for a 1-night stay for 2 adults at Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach! on 24 Aug, 2026 start from S$172, including taxes and fees. This price is based on the lowest nightly price found in the last 24 hours for stays in the next 30 days. Prices are subject to change. Choose your dates for more accurate prices.

How much is parking at Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach!?

On-site parking is available at the property.

What time is check-in at Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach!?

Check-in begins at 4:00 PM.

What time is check-out at Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach!?

Checkout is at 10:00 AM.

Where is Beautiful Florida Cottage! St Andrews Gem-Pet Friendly, 1.5 blocks to the beach! located?

This family-friendly Panama City holiday home is within a 10-minute walk of St. Andrews Bay and Oakland Terrace Park. Eleventh Street Shopping Center and Truesdell Park are also within 1 mile (2 km).

Reviews

9.6

Exceptional

Reviews are presented in chronological order, subject to a moderation process, and verified unless otherwise labelled.
Learn moreOpens in a new window
Rating 10 - Excellent. 12 out of 15 reviews
Rating 8 - Good. 3 out of 15 reviews
Rating 6 - Okay. 0 out of 15 reviews
Rating 4 - Poor. 0 out of 15 reviews
Rating 2 - Terrible. 0 out of 15 reviews

10/10

Cleanliness

10/10

Check-in

10/10

Communication

9.6/10

Location

10/10

Listing accuracy

Reviews

Verified

10/10 Excellent

Shirley S.

Liked: Cleanliness, check-in, communication, location, listing accuracy
Our visit was perfect. The house had everything that we needed. We especially enjoyed the back porch with the lights. We will be back!
Stayed 7 nights in Apr 2026
Response from VrboOwner on 6 May, 2026
We are so glad you enjoyed your stay! Thanks for taking good care of the house. Can't wait to have you back!
Verified

10/10 Excellent

Laura E.

Liked: Cleanliness, check-in, communication, location, listing accuracy
This property was perfect for our PCB vacation! It was so clean and beautiful. We loved the location - I felt like I was living with the locals, but close to everything we wanted to do. I was thrilled that we were just down the street from St. John the Evangelist and we could walk to Mass. We will definitely be recommending to family and friends!
St. Andrew’s Bay was just down the street.
Picture looking down the street.
St. John the Evangelist
Stayed 3 nights in Mar 2026
Response from VrboOwner on 5 Apr, 2026
Thank you so much for the lovely review. We can’t wait to have you back, thank you for treating our home like it was your own!
Verified

10/10 Excellent

Janna s.

Liked: Cleanliness, check-in, communication, location, listing accuracy
Very very nice place to stay!! Host was very friendly and answered any questions we had! We will be back for sure!!! Loved the place and the backyard!
Stayed 4 nights in Dec 2025
Response from VrboOwner on 18 Mar, 2026
Thank you so much for the nice review! So glad you enjoyed your stay, would love to have you back!
Verified

10/10 Excellent

Sarah P.

Liked: Cleanliness, check-in, communication, location, listing accuracy
This property was so cute and very cozy! The pictures don't do it justice. It is an older home but well maintained, clean, and very inviting. My family and our dog,Josie, stayed for 3 nights to attend my grandma's funeral, and it was exactly what we needed. Kate was very kind and responsive. I would definitely book here again in the future!
Stayed 3 nights in Mar 2026
Response from VrboOwner on 29 Mar, 2026
Great guests. Left the house in great shape, followed house rules, easy to communicate with.
Verified

10/10 Excellent

Cliff L.

Liked: Cleanliness, check-in, communication, location, listing accuracy
Clean and nice place. Close to Tyndall AFB.
Stayed 6 nights in Oct 2025
Verified

10/10 Excellent

Chastity W.

Liked: Cleanliness, check-in, communication, location, listing accuracy
Host was great & quick to respond when we asked for recommendations to local things! Lots of room and house was very cute - and stocked well!
Stayed 3 nights in Oct 2025
Response from VrboOwner on 27 Oct, 2025
Thank you for your review Chastity, so glad you liked the house. Would love to host you again!
Verified

10/10 Excellent

dennis h.

Liked: Cleanliness, check-in, communication, location, listing accuracy
This home and property was fantastic. Charming home with well thought out appeal in a great location to stay close or go out and enjoy the area. We LOVED the close by private like little bay beach right down the street. And short rides to both Panama City and St. Andrews. We're so glad we found this place and would definitively come back here. Our host was very responsive and we had everything we needed. Some folks just give out 5 stars because they think 4 stars is insulting. This one is a Five Star.
Stayed 14 nights in Mar 2026
Response from VrboOwner on 21 Mar, 2026
Thank you so much for your lovely review! We are so pleased that you loved our home! You were wonderful guests and I hope we can host you the next time you come down!
Verified

10/10 Excellent

Jodi B.

Liked: Cleanliness, check-in, communication, location, listing accuracy
The pictures don’t do this cozy piece of paradise justice! The owners have created a place that will always be part of our family’s memories. We can’t wait to come back!
Stayed 3 nights in Sep 2025
Response from VrboOwner on 28 Sept, 2025
Thank you so much for your lovely review! We hope to host you again!
Verified

8/10 Good

Susyn K.

We're grateful the host allowed us to bring ouf 2 fur babies. The house was
Stayed 3 nights in Nov 2025
Response from VrboOwner on 22 Dec, 2025
Thank you so much for your review, we would love to host you again!
Verified

10/10 Excellent

Shannon C.

Liked: Cleanliness, check-in, communication, location, listing accuracy
This home has what you need. Family/pet friendly. Host was very quick with reaponse and very friendly. Qiuet area. Very clean and just homely
Stayed 3 nights in Oct 2025
Response from VrboOwner on 27 Oct, 2025
Thank you for your nice review, we’re so glad you like the house! We would love to host you again!
Verified

10/10 Excellent

John D.

Liked: Cleanliness, check-in, communication, location, listing accuracy
Throughly enjoyed our stay. Quiet neighborhood, nice neighbors. Plenty of room for our party of four but was enough easily for 6. We will definitely book again on our next trip. This property is 15-20 from Panama City are beaches and only a 10 minute walk to St Andrew’s Bay. Minutes to downtown Panama City restaurants and shopping. Our host was always available when we had questions before arrival and the whole time during our stay.
Stayed 2 nights in Sep 2025
Response from VrboOwner on 30 Sept, 2025
Thank you John, I'm so glad you enjoyed your stay. Can't wait to host you again!
Verified

10/10 Excellent

Nick O.

Liked: Cleanliness, check-in, communication, location, listing accuracy
We had such a wonderful stay here! The house itself was absolutely adorable, so cute, cozy, and welcoming from the moment we walked in. It truly felt like a home away from home.Our kids had the best time in the game room, and it kept us all entertained. Between the games inside and all the outdoor games available, there was never a dull moment. We also loved having access to a fire setup, which made for such a relaxing and memorable evening.The property is pet-friendly, with a fully fenced yard, which was helpful. The location is fantastic too, there are plenty of great restaurants nearby, and it’s also just a short drive to many of the beaches, making it super convenient for everything we wanted to do.On top of that, the host was incredibly friendly, responsive, and helpful throughout our stay. Check-in was quick and easy, making the whole experience smooth from start to finish.We would absolutely stay here again and highly recommend it to anyone looking for a fun, comfortable, and family-friendly getaway!
Stayed 9 nights in Apr 2026
Response from VrboOwner on 25 Apr, 2026
Thank you so much for your wonderful review. We are so pleased that you and your family enjoyed our home away from home. We would love to host you again!
Verified

10/10 Excellent

stacey w.

Liked: Cleanliness, check-in, communication, location, listing accuracy
House is in a quiet neighborhood. Adorable little older home. Check events in the area. Downtown PC and St Andrews had market day on saturday. There is an arcade and pub in PC if you have kids or a kid at heart and wanna reminisce. We had 2 pets with us and it was nice to have the yard fenced it to let them run around. Small bay beach across Scenic 98 within walking distance.
Stayed 3 nights in Sep 2025
Response from VrboOwner on 18 Sept, 2025
Wonderful guests. Would be happy to host again.
Verified

8/10 Good

april l.

Liked: Cleanliness, check-in, communication, location, listing accuracy
Stayed 2 nights in Mar 2026
Verified

8/10 Good

MItch H.

Liked: Cleanliness, check-in, communication, location, listing accuracy
Stayed 3 nights in Dec 2025

About the host

Hosted by Kathryn E Matkosky

Host profile image
Property Manager is less than a mile away and available right away in case of emergency.

Why they chose this property

Beautiful, quiet neighborhood only 1.5 blocks to St. Andrews Bay to the south and 1.5 blocks to lovely Lake Caroline to the east.
Walking distance to downtown St. Andrews and short (under 2 miles) to the revitalized downtown Panama City.
Tons of restaurants, shopping, bars, play grounds and WATER to enjoy!
Dog friendly beach !

What makes this property unique

This home is the quintessential Florida Cottage. So much charm and so much space to gather ! Recently updated kitchen with everything you need to create your perfect meal if choosing to stay in for the night.
Welcome basket included in your stay with start up necessities.
Very child friendly too, so many amenities added to make your children comfortable while vacationing. Peaceful, very large back yard with plenty of room for the dog to run, the kids to play or just for relaxing.
With three private bedrooms and a queen pull out sofa, there is room for up to 8!

Premier Host

They consistently provide great experiences for their guests
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