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Harrison Lilly

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

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8203 N Lagoon Dr , Panama City Beach, FL 32408
$2,099,000
Est. Payment: $10,645.73/mo
3 Bed
3 Bath
3463 Sqft
Status: active | Days on site: 25
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Waterfront luxury meets effortless coastal living at 8203 N Lagoon Drive. Perfectly positioned on deep water with direct access to the Gulf of Mexico in just minutes, this exceptional property offers the boating lifestyle you've been dreaming of--all with no HOA. Designed for both everyday living and entertaining, this spacious home features 3 bedrooms, 2.5 bathrooms, plus a dedicated office, additional living room, and versatile flex space, all thoughtfully designed to maximize comfort and capture stunning views of Grand Lagoon. Step outside to your private waterfront oasis where a new travertine pool deck surrounds the sparkling pool and expansive outdoor living areas, creating the perfect setting for relaxing or hosting family and friends. Boaters will appreciate the private dock complete with a covered boat lift and additional slip, providing easy access for multiple watercraft and unforgettable days on the water. Additional features include a gated driveway, generous parking, and the privacy of a premier waterfront setting. Whether you're watching dolphins from your backyard, heading out for a sunset cruise, or enjoying the peaceful lagoon views from inside the home, this property offers a lifestyle that is truly unmatched. This is a rare opportunity to own one of Panama City Beach's premier waterfront homes where luxury, convenience, and direct Gulf access come together in one extraordinary property.

Highlights

Listed by Abbott Martin Group , 850-460-2900 and Natalie H Danburg , 850-896-8525 EXP Realty LLC , 850-460-2900. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.87

Year Built

1996

County

Bay

Area

03 - Bay County - Beach

Neighborhood

[No Recorded Subdiv]

Listing ID

792904

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Water Heater, Gas Cooktop, Gas Range, Water Softener Owned
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • Additional:Double Vanity, Fireplace, Jetted Tub, Bath in Primary Bedroom, Main Level Primary, Sitting Area in Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:102 x 372
Zoning:Resid Single Family
Roof:Tile
Others:
  • Additional:Boat Lift, Boat Slip, Deck, Outdoor Shower
Sewer:Public Sewer
Parking Features:Additional Parking,Circular Driveway,Electric Gate,Garage,Garage Door Opener,Gated,Paved,RV Access/Parking
Principal Interest
$10,646
Taxes
$978

Home Price

$2,099,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$419,800
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:
$10,645.73

Principal

Taxes

Principal Taxes HOA Total
Monthly $10,645.73 $978.24 $0.00 $11,623.97
Yearly $127,748.78 $11,738.86 $0.00 $139,487.64
Total $3,832,463.51 $352,165.80 $0.00 $4,184,629.31

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T09:45:57.000Z

© 2026 Bay County Association of REALTORS