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Harrison Lilly Team

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

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618 Gardenia St , Panama City Beach, FL 32407
$285,000
Est. Payment: $1,574.58/mo
2 Bed
2 Bath
722 Sqft
0.15 Acres
Status: Pending | Days on site: 5
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Harrison Lilly Team
Owner/Operator

House Description

Located at 618 Gardenia Street in Panama City Beach, Florida, this 2-bedroom, 2-bath concrete block home wrapped in vinyl siding offers an incredible opportunity just half a block from the white sandy beach. Built in 1945, the home features 722 square feet of living space and sits on a large 6,446-square-foot lot, making it an ideal option for investors, fix-and-flippers, or buyers looking to create their own beach retreat. The property includes a welcoming front Florida sunroom and a rear concrete patio, perfect for grilling or entertaining. Important updates include a shingle roof replaced in June 2022 and a hot water heater replaced in 2025. The home does not have central heat or air and is currently cooled with window A/C units. With the beach just a 2-minute walk or 1-minute golf cart ride away, the location is hard to beat. Several restaurants, ice cream shops, local businesses, and the county pier are all within walking distance, adding even more appeal to this prime beachside property. The oversized lot offers plenty of room to park multiple large RVs, expand on the existing home, or transform the property into your own personal showcase near the coast. With much of the value in the land and unbeatable location, this home is currently being used as a long-term rental and presents outstanding potential for redevelopment, renovation, or investment. PICTURES ARE A REPRESENTATION OF THE PROPERTY'S POTENTIAL VOID OF TENANTS FURNISHINGS AND/OR BELONGINGS.

Highlights

Listed by Scott Roberts , 859-640-4947 LoKation Real Estate , 850-502-4862. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.15

Year Built

1945

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bahama Beach

Listing ID

793337

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Window Unit(s)
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:60.0 ft x 108.0 ft
Zoning:City, Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:No Garage,Unpaved
Principal Interest
$1,575
Taxes
$182

Home Price

$285,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$57,000
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:
$1,574.58

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,574.58 $181.69 $0.00 $1,756.27
Yearly $18,895.01 $2,180.25 $0.00 $21,075.26
Total $566,850.22 $65,407.50 $0.00 $632,257.72

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS