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Harrison Lilly

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

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13011 Oleander Dr , Panama City Beach, FL 32407
$2,700,000
Est. Payment: $13,692.47/mo
4 Bed
4 Bath
2283 Sqft
Status: active | Days on site: 67
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Oceanfront Gulf-front 4BR/4BA + flex room home with proven rental history and exceptional versatility. Offering over a decade of consistent VRBO performance, this property presents a strong income-producing opportunity with additional upside potential. Designed for both comfort and functionality, the layout includes a 2BR/2BA main residence plus two private guest suites with full baths connected by a breezeway, ideal for multi-generational living or maximizing rental occupancy. Enjoy panoramic Gulf views from the sunroom and main living areas, complemented by an open-concept layout perfect for entertaining. The home features an updated kitchen, remodeled primary bath, and is being sold fully furnished for a true turnkey experience. Outdoor living includes a spacious back porch, jacuzzi, BBQ area, and direct beach access, creating an ideal setting for both personal use and guest enjoyment. Recent improvements include roof, HVAC systems, and impact windows and doors, offering added durability and peace of mind. Located on a private drive with a 35-ft seawall for enhanced protection. A rare opportunity to own a beachfront property that combines lifestyle, income, and long-term potential in Panama City Beach.

Highlights

Listed by Brittani J Brookins , 305-308-2402 LUXE Properties , 305-438-7764. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.16

Year Built

1940

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bahama Beach

Listing ID

787261

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment,Heat Pump,Multi Units
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:60x120
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Deck, Patio
Sewer:Public Sewer
Parking Features:Gated,No Garage
Principal Interest
$13,692
Taxes
$1,492

Home Price

$2,700,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$540,000
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:
$13,692.47

Principal

Taxes

Principal Taxes HOA Total
Monthly $13,692.47 $1,491.83 $0.00 $15,184.30
Yearly $164,309.62 $17,902.00 $0.00 $182,211.62
Total $4,929,288.58 $537,060.00 $0.00 $5,466,348.58

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS