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Harrison Lilly Team

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

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4726 Bay Point Road C223 , Panama City Beach, FL 32408
$310,000
Est. Payment: $1,712.71/mo
1 Bed
1 Bath
900 Sqft
Status: Active | Days on site: 82
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DWINC - B11081
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Harrison Lilly Team
Owner/Operator

House Description

Seller is offering $10,000 toward closing costs, flex cash, or an interest rate buy-down! Wake up to breathtaking views of the Grand Lagoon and Point South Marina from this beautifully positioned one-bedroom, one-bath villa in the sought-after Harbor Villas at Bay Point. Located on the second floor within Bay Point's prestigious gated community, this waterfront retreat offers the perfect balance of tranquility, comfort, and coastal living. The spacious living area is filled with natural light and opens to stunning water views, creating an inviting space to relax, entertain, or simply enjoy the peaceful surroundings. The well-equipped kitchen provides everything needed for preparing meals after a day on the water, while the generously sized bedroom serves as a private sanctuary for rest and relaxation. The stylish bathroom adds a touch of elegance to this charming villa. Life at Bay Point is about more than just a home - it's a lifestyle. Residents enjoy beautifully maintained grounds, scenic walking paths, a family-friendly atmosphere, and easy access to boating, fishing, golf, and waterfront dining. Just steps away, Bar 72, recently reimagined under new management by Neons, offers delicious cuisine, refreshing cocktails, and live music. Conveniently located off Thomas Drive, you're only minutes from the white sandy beaches of the Gulf, shopping, restaurants, and the natural beauty of St. Andrews State Park. Whether you're searching for a primary residence, a vacation getaway, or an investment opportunity, this waterfront gem delivers exceptional value and an unbeatable Bay Point lifestyle. Come experience spectacular sunsets, marina views, and the relaxed coastal charm that makes Bay Point one of Panama City Beach's most desirable communities. Schedule your private showing today and discover why life is better on the water.

Highlights

Listed by Alina Kvasha , 850-708-5868 Dalton Wade Inc , 888-668-8283. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1035 Quarterly

Year Built

1981

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Harbour Villas

Listing ID

791694

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:0*0
Roof:Other,Shingle
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$1,713
Taxes
$300
HOA
$1,035

Home Price

$310,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$62,000
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:
$1,712.71

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,712.71 $299.52 $1,035.00 $3,047.22
Yearly $20,552.46 $3,594.20 $12,420.00 $36,566.66
Total $616,573.93 $107,826.00 $372,600.00 $1,096,999.93

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