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Harrison Lilly

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

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138 Marlin Cir , Panama City Beach, FL 32408
$699,900
Est. Payment: $3,549.76/mo
4 Bed
2 Bath
2200 Sqft
Status: active | Days on site: 116
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Absolutely stunning brick home featuring a newer Screen-Enclosed HEATED POOL with attached spa, offering a true year-round resort-style experience. This move-in ready property showcases extensive updates completed over the past few years and welcomes you with a grand foyer that immediately highlights the home's spacious layout. Just off the entry, the living room features a beautiful decorative double-sided wood-burning fireplace, creating a warm and inviting atmosphere. The kitchen serves as a central focal point, designed for both everyday living and entertaining, with abundant cabinetry, built-ins, a large island, stainless steel appliances, granite countertops, and a breakfast bar. The formal dining room is conveniently located nearby, along with a bedroom that offers direct access to the pool area. The primary suite also provides private access to the outdoor space and includes a spacious walk-in closet with built-ins and a recently renovated bathroom. Just off the primary bedroom is a private outdoor sitting area, ideal for enjoying your morning coffee. Additional bedrooms are thoughtfully positioned throughout the home, including another bedroom with direct pool access and a fourth bedroom located on the opposite side near a full bath, offering flexibility for guests or family. The laundry room is well-equipped with a washer and dryer, a full-size refrigerator, ample storage, and a utility sink for added convenience. The outdoor living space is truly the highlight of the property, featuring an in-ground heated pool with attached spa installed in 2022/2023. The brick-paved patio and lounging areas create a resort-like setting, complete with a tanning ledge and plenty of space to relax or entertain while enjoying the Florida sunshine. The backyard is fully fenced for privacy and enhanced by mature landscaping. Inside, the home offers low-maintenance finishes with real wood Australian Cypress flooring throughout and tile in the bathrooms and laundry, with no carpet. Numerous recent improvements include new windows and doors, updated laundry room, new HVAC system, renovated primary bathroom, updated stainless steel kitchen appliances, blackout shades, and more, with a full improvement list available. Additional features include crown molding throughout, updated lighting and ceiling fans, a pool ozone system, attic storage, an extended garage for extra storage, a brick-paved driveway, and a sprinkler system on a separate meter. Located within the gated community of Bay Point, residents enjoy 24-hour security and access to an exceptional lifestyle with a Nicklaus-designed golf course, a remodeled marina, dining and entertainment options, tennis facilities, scenic walking paths, and community events throughout the year. Bay Point offers convenient boating access with a short ride to Shell Island and is just minutes from many of the area's top restaurants and attractions. If this home meets your criteria, contact your preferred real estate professional to schedule a private showing. All information, including age, square footage, room dimensions, taxes, and school zoning, is deemed reliable but not guaranteed and should be independently verified by the buyer.

Highlights

Listed by Cindy K Chavira , 850-867-0506 Own It Real Estate LLC , 850-867-0506. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.22

HOA Fee

1650 Annually

Year Built

1977

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Unit 1

Listing ID

788715

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, See Remarks, Smart Home, Smart Thermostat, Walk-In Closet(s), Entrance Foyer

Exterior Features

Lot:Sprinkler System
Lot Dimensions:103x132x55x125
Roof:Composition,Shingle
Others:
  • Additional:Porch
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$3,550
Taxes
$448
HOA
$1,650

Home Price

$699,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$139,980
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:
$3,549.76

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,549.76 $448.00 $1,650.00 $5,647.76
Yearly $42,597.13 $5,376.00 $19,800.00 $67,773.13
Total $1,277,913.87 $161,280.00 $594,000.00 $2,033,193.87

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS