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Harrison Lilly Team

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

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86 N Charles St , Panama City Beach, FL 32461
$4,750,000
Est. Payment: $26,243.07/mo
5 Bed
5 Bath
2381 Sqft
0.06 Acres
Status: Active | Days on site: 1
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Harrison Lilly Team
Owner/Operator

House Description

Discover timeless elegance in the heart of Alys Beach, one of the most coveted addresses along Florida's Emerald Coast. This stunning residence embodies the signature Alys Beach architectural style, crisp venetian plaster, graceful arches, and thoughtful Mediterranean-inspired details, set on the iconic Charles Street, just steps from pristine beaches, the renowned Caliza Pool, boutique shops, fine dining, and the vibrant Town Center. Recently refreshed by renowned interior designer Marisol Gullo, the interior boasts a sophisticated, contemporary coastal palette with updated finishes, luxurious furnishings, and impeccable attention to detail that perfectly complements the home's classic architecture. The open-concept living spaces flow seamlessly, creating an inviting atmosphere ideal for both relaxed gatherings and effortless entertaining. With 5 generous bedrooms, 4.5 baths, a private outdoor courtyard, and ample natural light throughout, this home offers the ultimate luxury coastal living. Enjoy the exclusive Alys Beach lifestyle, complete with world-class amenities, community events, and direct beach access. Whether you're seeking a primary residence, vacation retreat, or investment property in this highly desirable community, 86 N Charles Street represents a rare opportunity to own a refreshed masterpiece in paradise.

Highlights

Listed by Kristen H Wilson , 850-566-2701 Compass , 850-296-9769. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.06

HOA Fee

3097.5 Quarterly

Year Built

2007

County

Walton

Area

18 - 30A East

Neighborhood

Alys Beach

Listing ID

996693

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:Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator W/IceMk, Stove/Oven Gas, Washer
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Kitchen Island, Lighting Recessed, Owner's Closet, Pantry, Split Bedroom, Wallpaper

Exterior Features

Lot:Covenants,Restrictions,Sidewalk,Within 1/2 Mile to Water
Lot Dimensions:40'x74'
Zoning:Resid Single Family
Others:
  • ▪ Additional:Shower, Patio Covered, Patio Open
Sewer:Public Sewer
Principal Interest
$26,243
Taxes
$2,589
HOA
$3,098

Home Price

$4,750,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$950,000
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:
$26,243.07

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $26,243.07 $2,589.07 $3,097.50 $31,929.64
Yearly $314,916.79 $31,068.84 $37,170.00 $383,155.63
Total $9,447,503.69 $932,065.20 $1,115,100.00 $11,494,668.89

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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