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

4400 Kingfish Ln Unit 326 , Panama City Beach, FL 32408
$639,000
Est. Payment: $3,530.38/mo
2 Bed
2 Bath
1625 Sqft
Status: Active | Days on site: 82
Get Pre-Qualified
EKSR - E22439
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

Experience the best of waterfront living in this highly sought-after Turtlegrass Villas in Bay Point, gorgeous inside and out! This completely renovated private end unit is an exceptional 2-bedroom, 2-bath waterfront property with breathtaking panoramic views of the Bay and Lagoon. You literally have views from every room - even the kitchen windows! Floor-to-ceiling windows in the living room showcase the stunning views and flood your home with natural light. Turtlegrass owners enjoy access to 3 private docks, providing the rare convenience of keeping your boat just steps from home, along with opportunities for fishing and enjoying the beautifully maintained waterfront grounds. Inside, the open-concept split floor plan has been thoughtfully designed with luxury finishes throughout. The spacious primary suite features quartz countertops, dual vanities, a tiled walk-in shower, and a generous closet. The bright kitchen and dining area overlooks the Bay Point Golf Course, and your beautifully updated kitchen offers white shaker cabinetry, quartz countertops, and a center island perfect for gathering. Soaring ceilings highlight the living room, complete with a wet bar and spectacular water views, creating an ideal space for entertaining. A cozy nook provides additional seating and the perfect spot to relax while watching dolphins play and boats enter the marina. The guest suite offers its own floor-to-ceiling windows, walk-in closet, and a spacious ensuite bath with quartz countertops, dual vanities, a tiled walk-in shower, and a generous closet. The bright kitchen and dining area overlooks the Bay Point Golf Course, and your beautifully updated kitchen offers white shaker cabinetry, quartz countertops, and a center island perfect for gathering. Soaring ceilings highlight the living room, complete with a wet bar and spectacular water views, creating an ideal space for entertaining. A cozy nook provides additional seating and the perfect spot to relax while watching dolphins play and boats enter the marina. The guest suite offers its own floor-to-ceiling windows, walk-in closet, and a spacious ensuite bath with quartz countertops and a tiled tub/shower combination. This residence has been completely gutted and renovated from previous owner, including electrical, plumbing, sheetrock, flooring, and more. Additional features include a private courtyard entrance with patio and room to grill, outdoor storage closet, interior foyer storage, and utilities included except electricity and internet. Located within the prestigious gated Bay Point community with 24-hour security, residents enjoy access to a championship golf course and a full-service marina, on-site dining, all conveniently located near Panama City Beach attractions, shops and restaurants, St Andrews State Park, Navy Base, as well as boating and the beach! Make this exceptional property your new home, vacation home, or vacation rental - call today!

Highlights

Listed by Michele E Morros , 850-258-9878 Keller Williams Success Realty , 850-249-0313. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1973

County

Bay

Area

27 - Bay County

Neighborhood

Bay Point Turtlegrass Villas

Listing ID

1009771

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Microwave, Refrigerator, Stove/Oven Electric, Wine Refrigerator
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Raised, Kitchen Island, Lighting Recessed, Pantry, Split Bedroom, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Unit Waterfront,Bay,Harbor,Lagoon
Others:
  • ▪ Additional:Patio Covered, Patio Enclosed
Sewer:Public Sewer
Principal Interest
$3,530
Taxes
$407
HOA
$0

Home Price

$639,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$127,800
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:
$3,530.38

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,530.38 $407.36 $0.00 $3,937.75
Yearly $42,364.60 $4,888.35 $0.00 $47,252.95
Total $1,270,937.87 $146,650.50 $0.00 $1,417,588.37

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T04:14:31.000Z

© 2026 Emerald Coast Multiple Listing Services