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Beautiful Florida Cottage! St Andrews Gem, 1.5 blocks to beach! Pets considered

Photo gallery for Beautiful Florida Cottage! St Andrews Gem, 1.5 blocks to beach! Pets considered

A cozy living room with a sofa, coffee table, and a view of a garden through large windows.
A cozy room with a brick wall, a white chair, a small table, and a sign reading "The Porch".
A living room with a brick wall, a ceiling fan, a gray sofa, striped chairs, a wooden coffee table, and a rug.
A modern kitchen with blue cabinets, a stainless steel oven, a microwave, and a range hood. There are shelves with kitchen items and a plant on the wall.
Back Porch/Sitting Room with Pull out Sofa Bed- looking out to back yard

Reviews

9.8 out of 10, Loved by Guests
Top 10% of guest reviews in this area

Highlights

  • Family fun awaits
    Top-rated for families.
  • Beach equipment
    A rare find — beach equipment ready to go for your days by the sea.
  • Centrally-located
    You're never far from where you need to be with this convenient location.
  • Discover nearby landmarks
    Close to St. Andrews Bay
3 bedrooms1 bathroomSleeps 6

Popular amenities

  • Patio
  • Dog-friendly
  • Barbecue grill
  • Arcade/game room
  • Air conditioning
  • Refrigerator

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.)
    ‪37 min drive‬

Where you'll sleep

3 bedrooms (sleeps 6)

Bedroom 1

1 Queen Bed

Bedroom 2

1 Queen Bed

Bedroom 3

1 Queen Bed

1 bathroom

Bathroom 1

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

Spaces

Deck or patio
Porch or lanai
Kitchen
Outdoor play area
Garden
Dining area

About this property

Beautiful Florida Cottage! St Andrews Gem, 1.5 blocks to beach! Pets considered

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.
Dogs allowed with prior approval. Please contact host directly through VRBO.

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 inviting 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! Kitchen is fully equipped with everything you need during your stay. The enclosed porch comes complete with 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. *PLEASE NOTE* the closet in the back bedroom is an owners closet and remains locked. There is a wardrobe and hanging rack in the bedroom for your use. Full bath with tub and shower, start up shampoo, conditioner and soap included!

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 owners closet 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.

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.
Our prices include all fees. No hidden fees.

Add dates for prices

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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 50 lbs per pet (limit 2 pets total)
Pets are only allowed with pre-approval from owner
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Smoking

Smoking is not permitted

Check-out instructions

The host requires you complete the following before checking out:
Load the dishwasher
Gather used towels
Take out the trash
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 $250 cleaning fee.
Up to a max of 2 dogs, each 40 lbs or less with prior approval. Please contact us if you are traveling with a pet prior to booking.
The closet in the back bedroom is an owners closet and remains locked. There is a wardrobe in the bedroom for your use.

Important information

You need to know

Property # 4636222
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
Onsite parties or group events are strictly prohibited
Long-term renters welcome
Host has indicated there is a carbon monoxide detector on the property
Host has indicated there is a smoke detector on the property
Safety features at this property include a fire extinguisher and a deadbolt lock

About the neighborhood

Panama City

Panama City is home to this vacation home. Pier Park and Thomas Drive are worth checking out if shopping is on the agenda, while those wishing to experience the area's natural beauty can explore St. Andrews State Park and Panama City Beaches. Consider Mosey's for a night out or Frank Brown Park if you're traveling with kids.
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Map
Panama City, FL

What's nearby

  • St. Andrews Bay - 3 min walk - 0.3 km
  • beach near Asbell Park - 3 min walk - 0.3 km
  • Oakland Terrace Park - 8 min walk - 0.7 km
  • Eleventh Street Shopping Center - 19 min walk - 1.6 km
  • beach near St Andrews - 2 min drive - 1.4 km

Getting around

  • Northwest Florida Beaches Intl. Airport (ECP) - 45 min drive

Restaurants

  • ‪Buddy Gandy Seafood Inc - ‬3 min drive
  • ‪Hunt's Oyster Bar & Seafood Restaurant - ‬3 min drive
  • ‪Uncle Ernie's - ‬3 min drive
  • ‪Burger King - ‬15 min walk
  • ‪Popeyes Louisiana Kitchen - ‬17 min walk

Frequently asked questions

Is Beautiful Florida Cottage! St Andrews Gem, 1.5 blocks to beach! Pets considered pet-friendly?

Yes, this property allows dogs (limit 2 total) with a maximum weight of up to 50 lbs per pet.

How much does it cost to stay at Beautiful Florida Cottage! St Andrews Gem, 1.5 blocks to beach! Pets considered?

As of Sep 24, 2026, prices found for a 1-night stay for 2 adults at Beautiful Florida Cottage! St Andrews Gem, 1.5 blocks to beach! Pets considered on Jan 21, 2027 start from $211, 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?

Onsite parking is available at the property.

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

Check-in begins at 4:00 PM.

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

Check-out is at 10:00 AM.

Where is Beautiful Florida Cottage! St Andrews Gem, 1.5 blocks to beach! Pets considered located?

This family-friendly Panama City vacation 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 mi (2 km).

Reviews

9.8

Exceptional

Reviews are presented in chronological order, subject to a moderation process, and verified unless otherwise labeled.
Learn moreOpens in a new window
Rating 10 - Excellent. 26 out of 30 reviews
Rating 8 - Good. 4 out of 30 reviews
Rating 6 - Okay. 0 out of 30 reviews
Rating 4 - Poor. 0 out of 30 reviews
Rating 2 - Terrible. 0 out of 30 reviews

10/10

Cleanliness

10/10

Check-in

10/10

Communication

9.6/10

Location

9.8/10

Listing accuracy

Reviews

Verified review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
Loved the porch.
Stayed 3 nights in Sep 2026
Verified review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
The property was clean and close to everything.
Stayed 9 nights in Jun 2026
Verified review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
I had another wonderful stay at this cute cottage in St. Andrews. There is a nice little private beach close by right on the bay! There are also some great seafood restaurants just down the street! Highly recommend!
Stayed 4 nights in Aug 2026
Verified review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
Great spot to stay! Nice cottage convenient to both beaches and restaurants. Very clean, comfortable and quiet. Thoroughly enjoyed my visit and will definitely go back again!
Stayed 4 nights in May 2026
Response from VrboOwner on Jul 19, 2026
Andrea, thank you for the lovely review, and thank you for already booking again! Just to let you know, I’m updating some of the furniture so it will look a little different when you arrive! New sofas and at least 2 of the sitting chairs will be replaced. Would love to hear your feedback once you’ve sampled the old and the new,
Verified review

8/10 Good

Liked: Cleanliness, check-in, communication, location, listing accuracy
Pictures look quite a bit better than in person, but house was clean and comfortable and everything worked.
Stayed 3 nights in Jul 2026
Response from VrboOwner on Jul 30, 2026
We're very sorry you didn't find the house to be as pictured. We take great pride in making sure the home is clean, inviting and comfortable and as pictured. We are in the process of updating the furniture in both sitting areas and will update the site with new pictures as soon as that is complete in 2 weeks. Glad you enjoyed your stay!
Verified review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
This cottage was so cute! It was well appointed in a quiet neighborhood. We were a quick trip from the bay and the beach. It was much better than staying in a hotel. The space allowed us to stretch out and relax with the normal amenities from home. The host was so great and helpful!
Stayed 2 nights in Jul 2026
Response from VrboOwner on Jul 18, 2026
Thank you so much for your wonderful review. You were excellent guests and we would be happy to,have you again!
Verified review

10/10 Excellent

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 May 6, 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 review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
We loved it
Stayed 6 nights in May 2026
Verified review

10/10 Excellent

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 Mar 18, 2026
Thank you so much for the nice review! So glad you enjoyed your stay, would love to have you back!
Verified review

10/10 Excellent

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 Apr 5, 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 review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
This cute little house was exactly as pictures show. We loved our relaxing week there, it was just what we needed. Panama City Beaches are only about 20 minutes away and that is what we were really there for, but it was so nice to come back to a quiet, relaxing house when we were done for the day instead of a crowded, noisy hotel. We also loved that we could bring our Mini Labradoodle with us because we couldn't bring ourselves to leave her for that long. Thank you!
Stayed 6 nights in Jun 2026
Response from VrboOwner on Jul 30, 2026
Thank you for your kind review! We're so glad you enjoyed your stay! Would love to have you back.
Verified review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
This is an absolutely charming cottage, tucked away in a very quiet neighborhood. It was beautifully decorated and had all the amenities that we needed. Very thoughtfully stocked with everything we needed for preparing meals, cleaning supplies and toys and games for the kids. A short walk to the bay. The very best part was that we could have our fur baby (dog) with us. We highly recommend for a family or even an older couple and their beloved pet, such as us. Ms. Kate, our host, was awesome and responded very quickly to any questions. Thank you for sharing your home.
Stayed 8 nights in Jul 2026
Verified review

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
We were so pleased with our stay at this lovely cottage! We traveled with our 2 kids and 2 dogs and felt right at home. The cottage was clean and nicely decorated. There is plenty of space inside and out. The bedrooms were all cozy with such comfortable beds. It is well equipped with the essentials you need. The location was great, in a quiet area right by the bay and conveniently located to stores, restaurants, beaches, and fun! The host was kind and easy to communicate with. We will definitely rebook here in the future! Thanks for a great stay!
Stayed 4 nights in Jul 2026
Response from VrboOwner on Jul 13, 2026
Thank you for the kind review, we are so glad you enjoyed your stay! We would love to host you again!
Verified review

10/10 Excellent

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

10/10 Excellent

Liked: Cleanliness, check-in, communication, location, listing accuracy
We were so grateful to have the opportunity to stay at this cottage. Very comfortable, and felt like home away from home. Being pet friendly is a huge bonus. We love the St. Andrew's area, and this home is just steps away from the bay. The home is not too far from our son who lives in Bayou George, and not too far from the beach, but far enough to avoid the crowds. The home has been updated in some rooms, but the rest of the house has original characteristics that make it just lovely, to include the exposed block/brick.
Stayed 7 nights in Jun 2026
Response from VrboOwner on Jul 30, 2026
George, thank you so much for the nice review! We love the character of the older house and are continually working to make it even more comfortable! We would welcome you back anytime!
Verified review

10/10 Excellent

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 Oct 27, 2025
Thank you for your review Chastity, so glad you liked the house. Would love to host you again!
Verified review

10/10 Excellent

Liked: Cleanliness, check-in, communication, listing accuracy
Just a wow ! Despite it being a 30 minute drive to most places and the bay having a water quality health alert. This place did not disappoint my family it was peaceful clean and pleasant my kids enjoyed the football and the neighborhood cats and lizards would highly recommend booking this cute cottage
Stayed 5 nights in Jun 2026
Response from VrboOwner on Jun 11, 2026
Hank you so much for the kind review. I am so sorry about the water quality issue in the bay! If I had known I would have given you a heads up! Would love to have you all back!
Verified review

10/10 Excellent

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 Sep 28, 2025
Thank you so much for your lovely review! We hope to host you again!
Verified review

10/10 Excellent

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 Mar 29, 2026
Great guests. Left the house in great shape, followed house rules, easy to communicate with.
Verified review

10/10 Excellent

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 Oct 27, 2025
Thank you for your nice review, we’re so glad you like the house! We would love to host you again!
Verified review

8/10 Good

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 Dec 22, 2025
Thank you so much for your review, we would love to host you again!
Verified review

10/10 Excellent

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 Mar 21, 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 review

10/10 Excellent

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 Sep 30, 2025
Thank you John, I'm so glad you enjoyed your stay. Can't wait to host you again!
Verified review

10/10 Excellent

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 Sep 18, 2025
Wonderful guests. Would be happy to host again.
Verified review

10/10 Excellent

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 Apr 25, 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!

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 anmmenities 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.

Languages:

English

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