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Harrison Lilly Team

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

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254 Sands St , Panama City Beach, FL 32413
$1,647,000
Est. Payment: $9,099.44/mo
5 Bed
5 Bath
3159 Sqft
0.16 Acres
Status: Active | Days on site: 321
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Harrison Lilly Team
Owner/Operator

House Description

New Price Reduction by $50 Thousand dollars! Construction of this beautiful Coastal Retreat is completed! Great Short -Term Rental Projection of $200 to $220 thousand annually. This home comes fully furnished and tastefully decorated. Discover this wonderfully crafted luxury home. Located on the highly desirable West End of Panama City Beach--just steps from the Gulf's most beautiful beaches. This residence offers both a serene retreat and exceptional income-producing potential. With 5-bedrooms and 4.5-bathrooms the home spans two stories with parking for 6 vehicles and designed for both comfort and sophistication. The chef's kitchen is a true showpiece, featuring upgraded stainless-steel appliances, including a French-door refrigerator, gas cooktop, dishwasher and wall oven/microwave combination. Custom 42'' white shaker cabinetry, quartz countertops, and a spacious walk-in pantry complete this gourmet space. The open design flows seamlessly to outdoor living with a 12'x24' private saltwater pool, equiped with a gas heater for year-round enjoyment. Additional highlights include: • Gas tankless water heater • Hurricane-impact rated windows and doors • Durable metal roof & Hardie siding • 8' interior and exterior doors • 10' ceilings on both levels A spacious game room that offers views of the pool, with multiple living areas to provide plenty of space for entertaining. Conveniently located within walking distance to the pristine white-sand beaches, and just minutes to 30A, Pier Park shopping, dining, entertainment, and a short ride to local grocery stores, this home is the perfect blend of luxury and convenience. Whether as a private coastal escape or a high-yield vacation rental, this home presents a rare opportunity on the beautiful West end.

Highlights

Listed by Judith Bohn , 850-814-6925 Berkshire Hathaway HomeServices Beach Properties of Florida , 850-252-4160. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.16

HOA Fee

50 Monthly

Year Built

2026

County

Bay

Area

03 - Bay County - Beach

Neighborhood

[No Recorded Subdiv]

Listing ID

781490

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Bar Fridge, ENERGY STAR Qualified Appliances, Gas Cooktop, Gas Oven, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump,Multi Units
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Interior Steps, Main Level Primary, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:60x117
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Covered Patio, Outdoor Shower
Sewer:Public Sewer,Sewer Tap Paid
Parking Features:Additional Parking

Open House

Upcoming Open Houses
Thursday 11:00 am - 3:00 pm Oct 8
Principal Interest
$9,099
Taxes
$605
HOA
$50

Home Price

$1,647,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$329,400
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:
$9,099.44

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $9,099.44 $605.42 $50.00 $9,754.85
Yearly $109,193.25 $7,265.00 $600.00 $117,058.25
Total $3,275,797.60 $217,950.00 $18,000.00 $3,511,747.60

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 Beach, 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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS