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Harrison Lilly Team

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

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176 Marlin Cir , Panama City Beach, FL 32408
$499,000
Est. Payment: $2,756.90/mo
3 Bed
2 Bath
1854 Sqft
0.28 Acres
Status: Active | Days on site: 23
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BSGC - B5628
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Harrison Lilly Team
Owner/Operator

House Description

**Just reduced!** I'm pleased to present this exceptional residence within the distinguished gated community of Bay Point. While the community offers an enviable resort-style lifestyle - including a Jack Nicklaus designed championship golf course, full-service marina and yacht club, and dining and entertainment at Bar 72 - it is the warmth, character, and individuality of this home that truly sets it apart. Beautifully positioned on a corner lot of a cul-de-sac, the property enjoys a wonderful sense of privacy and tranquility. Inside, an expansive yet comfortable semi-open floor plan provides the ideal setting for both relaxed everyday living and entertaining. The vaulted living areas flow naturally from one space to another, creating a home that feels spacious without ever losing its warmth or intimacy. The many distinctive features include luxurious white oak flooring and a beautiful two- sided fireplace allowing the warmth and ambiance to be enjoyed from multiple living spaces. The dining area is particularly versatile; offering an elegant setting for entertaining, or presenting an opportunity to create a library, office, or den. It is this flexibility, combined with the home's distinctive character, that gives the next owner the opportunity to make the residence uniquely their own. The eat-in kitchen features quartz countertops and a glass backsplash. Both bathrooms have unique glass block windows, while the recently remodeled primary bathroom features a deep soaking tub, separate shower, and generous walk-in closet with custom wood shelving that is reflective of the shelving throughout the house. Outside, the property truly comes into its own. Two driveways add convenience for both owners and guests. The artistically landscaped grounds are framed by mature trees, lush vegetation, and established gardens, creating a timeless backdrop with an exceptional degree of privacy. The back patio extends the living space outdoors, while the hot tub offers a wonderful place to unwind. Whether enjoying morning coffee surrounded by greenery, relaxing after a day on the golf course, hosting friends for evening cocktails, or simply enjoying a quiet afternoon at home, the outdoor spaces invite you to slow down & appreciate the settings. Sellers are leaving a portable whole house generator & hurricane shutters.

Highlights

Listed by Rita B Hansen , 850-832-3303 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.28

HOA Fee

1650 Annually

Year Built

1992

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Unit 1

Listing ID

794938

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Cul-De-Sac,Sprinkler System,Paved
Lot Dimensions:105X118X111X109
Zoning:County, Resid Single Family
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:Circular Driveway,Garage,Garage Door Opener,Gated
Principal Interest
$2,757
Taxes
$195
HOA
$1,650

Home Price

$499,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$99,800
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Monthly Price:
$2,756.90

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,756.90 $195.07 $1,650.00 $4,601.97
Yearly $33,082.84 $2,340.78 $19,800.00 $55,223.62
Total $992,485.12 $70,223.40 $594,000.00 $1,656,708.52

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: 2026-10-07T03:46:57.000Z

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