Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

623 Fernwood Street C , Panama City Beach, FL 32407
$788,950
Est. Payment: $4,358.84/mo
4 Bed
4 Bath
2116 Sqft
0.06 Acres
Status: Active | Days on site: 3
Get Pre-Qualified
BPMI - B11310
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

This fully furnished, rental ready townhome is less than 2 blocks from the sugar white sands and emerald green waters! Completely renovated in 2025 with new beachy decor, new furnishings, fresh interior paint throughout, and fresh exterior paint. The home also features a new roof, and has been updated to all current codes, including a newly redone sprinkler system! Best of all, there are no HOA dues!!! The property includes a 3 bed, 3 bath main home, with a separate, private efficiency studio and 1 full bathroom. 2 properties to rent! Live in one, rent the other, rent them both either short or long term, or use the entire property as your primary residence. There are tons of options to choose from! Just as you enter the primary 3/3 portion of the property and continue to the second level, there is a guest bedroom and full bath along with a large living, kitchen, and dining area. The second level offers two covered balconies. The rear balcony is perfect for the guest bedroom occupants to have their own private space, while the front balcony is spacious enough for lounging, or even outdoor dining. On the third level is a large guest bedroom with an attached full bathroom, and the oversized primary bedroom with its own full bathroom including double vanities and a soaker tub. From the primary bedroom there is access to the large third floor balcony with beautiful Gulf and sunset views! Around the rear of the property is the separate studio. With its own private access, large covered porch, and full bathroom, it makes a great short or long term rental. The studio also has the use of the fenced in back yard. There is a one car garage, and parking for several more vehicles in the driveway. Just a short, 2 minute stroll to the beach (accessed by one of the several beach access points located on Front Beach Road. See photos), and 1 block from the Salty Goat Saloon featuring live, local entertainment nightly, and a full bar and grill. Plenty to do nearby, easy access to all PCB, centrally located, this property offers all you need for the perfect primary or investment opportunity! Contact me anytime for more information, and especially to set up your own private showing!

Highlights

Listed by Brian M Holsapple , 618-580-8704 Pineapple Properties , 850-814-4640. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.06

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bahama Beach

Listing ID

794909

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:ENERGY STAR Qualified Appliances, Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Interior Steps, Soaking Tub, Separate Shower

Exterior Features

Lot Dimensions:27.0 ft x 110.0 ft
Zoning:Resid Single Family
Roof:Metal
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Paved
Principal Interest
$4,359
Taxes
$430

Home Price

$788,950

Loan Details

30 yrs
7.374%

Down Payment

20%
$157,790
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:
$4,358.84

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,358.84 $429.80 $0.00 $4,788.63
Yearly $52,306.02 $5,157.56 $0.00 $57,463.58
Total $1,569,180.64 $154,726.80 $0.00 $1,723,907.44

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS