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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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4052 Silver Spur Rd , Panama City, FL 32404
$269,000
Est. Payment: $1,486.19/mo
3 Bed
2 Bath
1641 Sqft
0.11 Acres
Status: Active | Days on site: 105
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BSTG - B10278
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Harrison Lilly Team
Owner/Operator

House Description

Welcome Home! This beautifully maintained home is move-in ready and full of thoughtful updates. From the moment you arrive, you'll appreciate the fresh exterior, pride of ownership, and attention to detail throughout. Inside, you'll find a well-cared-for home featuring new carpet in the primary bedroom, updated ceiling fans, added attic flooring and attic stairs for extra storage, and a security system with added sensors for peace of mind along with the home being in Flood Zone X (no flood insurance required!) The kitchen comes complete with all appliances, including the luxury refrigerator, while the washer and dryer are negotiable. Additional highlights include: Public water and sewer Water filtration system (professionally serviced annually) Well-maintained interior and exterior Survey available Flood insurance is transferable The home has been professionally cleaned, pressure washed, and is ready for its next owners. Conveniently located and lovingly maintained, this property offers comfort, functionality, and value all in one package. Don't miss your opportunity to make this charming home yours--schedule your private showing today! (Please allow a 2-hour notice for showings.)

Highlights

Listed by Misty L Curtis , 850-527-1178 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.11

HOA Fee

647 Annually

Year Built

2020

County

Bay

Area

02 - Bay County - Central

Neighborhood

Brighton Oaks

Listing ID

791601

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:50.0 ft x 100.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$1,486
Taxes
$171
HOA
$647

Home Price

$269,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$53,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,486.19

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,486.19 $171.49 $647.00 $2,304.67
Yearly $17,834.24 $2,057.85 $7,764.00 $27,656.09
Total $535,027.05 $61,735.50 $232,920.00 $829,682.55

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T12:26:16.000Z

© 2026 Bay County Association of REALTORS