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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 E241 , Panama City Beach, FL 32408
$237,000
Est. Payment: $1,309.39/mo
1 Bed
1 Bath
850 Sqft
Status: Active | Days on site: 11
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FREA - B10986
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to easy coastal living in the gated Bay Point community! This beautifully updated second floor, one bedroom, one bath condo in Harbor Villas offers an inviting layout that is perfect for a primary residence, weekend getaway, or short term rental investment. Inside, you'll find an open living space with granite countertops, stainless steel appliances, and thoughtful updates throughout. Large windows fill the living space with natural light while framing serene views of the surrounding Bay Point golf course. The kitchen features newer appliances, including a dishwasher installed in 2025, while the HVAC system was also replaced in 2025. The updated bathroom features a beautifully tiled walk in shower and updated vanity, giving the space a fresh, elevated feel. Harbor Villas offers a peaceful setting within Bay Point, a community known for its marina, golf course, and signature events, including the annual Billfish Tournament. Harbor Villas HOA dues include WiFi, water, and trash service for added convenience. Whether you're searching for a low maintenance place to call home, your own Florida escape, or an investment property with short term rentals allowed, this updated condo offers a great opportunity to enjoy the Bay Point lifestyle.

Highlights

Listed by Marilyn M Martinez , 850-628-8122 Foundation Real Estate Agency LLC , 850-988-1618. 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

795383

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
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot Dimensions:0x0
Principal Interest
$1,309
Taxes
$175
HOA
$1,035

Home Price

$237,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$47,400
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:
$1,309.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,309.39 $175.34 $1,035.00 $2,519.73
Yearly $15,712.69 $2,104.09 $12,420.00 $30,236.78
Total $471,380.71 $63,122.70 $372,600.00 $907,103.41

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