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Harrison Lilly Team

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

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191 Marlin Cir , Panama City Beach, FL 32408
$799,000
Est. Payment: $4,414.36/mo
4 Bed
5 Bath
3720 Sqft
0.25 Acres
Status: Active | Days on site: 40
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Harrison Lilly Team
Owner/Operator

House Description

Set within the coveted enclave of Bay Point, 191 Marlin Circle presents 4 bedrooms, 4 and a half baths, home office, 2-car garage,, a saltwater pool and 3,720 square feet of masterfully appointed living space. This residence was conceived in equal measure for gracious everyday living and effortless entertaining. Bay Point itself is a lifestyle destination unto its own, a gated waterfront community threaded with golf cart paths and anchored by resort-caliber amenities. These include the full-service 18-hole Nicklaus Golf Course, the full-service Point South Marina, and the dining and entertainment of Bar 72, all located within the gates. Just moments from the water, the home enjoys all the ease of Bay Point's marina lifestyle without sacrificing privacy. Step inside to a soaring foyer that opens into a dramatic living space crowned by 23-foot ceilings. Walls of impact-rated glass frame the natural light and set an unmistakably grand tone. Rich tile and warm wood finishes carry throughout, complemented by a full security system, impact windows in the living room, and in the rear and side doors. Hurricane fabric and shutters for all other windows provide uncompromising peace of mind. Above it all, a 24-gauge standing seam metal roof with waterproof underlayment and spray foam insulation ensures both resilience and efficiency for years to come, while a tankless water heater adds a further layer of modern efficiency. At the heart of the home, a stunning kitchen awaits, outfitted with dual dishwashers, both a gas range and an electrical cooktop, microwave, dedicated ice maker, a wine refrigerator, instant hot water faucet, and a pot filler, purposefully-built for serious cooking and effortless hosting. A large, versatile walk-in closet off the kitchen currently serves as a laundry area but can easily revert to a spacious butler's pantry. The dining room connects the kitchen and living room, complete with cabinetry, a wine bottle holder, and a buffet-style countertop, ideal for both everyday meals and formal entertaining. A flexible first-floor bar offers even more room to gather and entertain with ease and can be easily converted back to a wet bar with plumbing in place. The first-floor primary suite is a retreat unto itself, offering dual walk-in closets, double vanities, soaking tub, walk-in, separate steam shower, and your own wine refrigerator. A powder room is also conveniently situated for guest access. Across from the primary suite on the main level, you'll find a well-appointed wood-clad office with fireplace. Spacious enough to work at home or can be dually operational as an additional bedroom, if needed. Upstairs, you'll find three additional guest bedrooms, two with private en-suite bathrooms and a third served by a hallway bath, along with a very large dedicated laundry and utility room for added convenience. One of the guest bedrooms features a built-in projector screen and surround sound system, perfect for movie nights at home. Outdoors, the property truly shines. A private saltwater pool, installed in 2024, features fountains and a sun shelf, anchoring a beautifully manicured backyard framed by a paver patio and outfitted with a sprinkler system. An oversized paver driveway leads to the two-car garage, adding both curb appeal of the circular driveway and ample storage. It is a setting made for sun-soaked afternoons and evening gatherings alike, with a layout built to blur the line between indoors and out. This home was made for year-round entertaining. Location, craftsmanship, and lifestyle converge at 191 Marlin Circle, a rare offering of a large and spacious home in one of Panama City Beach's most storied and sought-after communities. From its resort-style amenities to its meticulously appointed interior and outdoor living spaces, this home delivers a rare blend of comfort, elegance, and lasting quality. The following items are included and convey with the home: all TVs, dining table and bench, pool loungers on sun shelf

Highlights

Listed by Sostheim Group , 850-814-4560 Corcoran Reverie SRB , 850-231-5030. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.25

HOA Fee

Year Built

1988

County

Bay

Area

27 - Bay County

Neighborhood

Bay Point Unit 1

Listing ID

1010609

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Ice Machine, Microwave, Refrigerator, Security System, Stove/Oven Electric, Stove/Oven Gas, Wine Refrigerator, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • ▪ Additional:Ceiling Crwn Molding, Ceiling Raised, Ceiling Tray/Cofferd, Fireplace, Kitchen Island, Lighting Recessed, Pantry, Split Bedroom, Woodwork Stained

Exterior Features

Lot:Covenants,Restrictions,Within 1/2 Mile to Water
Lot Dimensions:77x144
Zoning:Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Hurricane Shutters, Pool - Gunite Concrt, Sprinkler System, Patio Open, Porch, Fenced Privacy
Sewer:Public Sewer
Parking Features:Garage,Covered,Oversized
Principal Interest
$4,414
Taxes
$559
HOA
$0

Home Price

$799,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$159,800
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:
$4,414.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,414.36 $558.62 $0.00 $4,972.97
Yearly $52,972.32 $6,703.38 $0.00 $59,675.70
Total $1,589,169.57 $201,101.40 $0.00 $1,790,270.97

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

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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