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Harrison Lilly

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

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3500 Dragon Ridge Rd , Panama City Beach, FL 32408
$1,750,000
Est. Payment: $8,875.67/mo
4 Bed
5 Bath
4658 Sqft
Status: active | Days on site: 62
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

New price and motivated seller - this is a must-see legacy home in Bay Point! Discover 3500 Dragon's Ridge Road, an exceptional estate home that perfectly blends luxury, comfort, and durability in a breathtaking golf course setting within the gated community of Bay Point Legend Hills. Situated on a rare double lot, this custom-built, one-owner residence offers more than 4,600 square feet of thoughtfully designed living space all on one level, featuring soaring 10- to 16-foot ceilings, abundant natural light, Andersen windows and doors, solid core doors, crown molding, plantation shutters, and quality craftsmanship throughout. Stunning curb appeal welcomes you home with beautiful landscaping and wide driveway, concrete tile roof, and oversized three-car garage. Inside, enjoy expansive views of the 10th hole, 11th fairway, picturesque ponds, and unforgettable sunsets from the moment you enter. The spacious layout includes elegant living and dining rooms, a private office, and a gourmet kitchen equipped with Thermador appliances, Sub-Zero refrigerator, induction cooktop, Bosch convection microwave, Viking warming drawer, and an inviting family room with fireplace and custom wood feature wall opening to the outdoor living area. The resort-style backyard is designed for relaxing and entertaining with a sparkling pool, covered patio, and fenced pool deck overlooking the golf course and water views. The private primary suite serves as a true retreat with a sitting area, oversized walk-in closet, dressing area, and recently updated bath featuring dual vanities and a custom wheelchair-accessible walk-in shower, along with direct access to the pool and hot tub. Two guest bedrooms with en-suite baths, a walk-in laundry room, and guest half bath complete the main living wing. A separate private wing offers incredible flexibility with a dedicated media room featuring projector screen, bar area, wine cooler, bonus living space, 4th bedroom or exercise room, full bath, private entrance, and oversized one-car garage/workshop, making it ideal for a mother-in-law suite or guest quarters. Additional highlights include four HVAC units replaced within the last five years, two gas water heaters replaced in December 2025, whole-house generator, roll down hurricane shutters, and gas furnace for year-round comfort and peace of mind. Residents of Bay Point enjoy resort-style amenities including a Jack Nicklaus-designed championship golf course, full-service marina, dining and entertainment at Bar 72, and convenient access to boating, shopping, dining, top-rated schools, and the sugar-white sands of Panama City Beach. This remarkable legacy property offers the perfect combination of elegance, functionality, and coastal lifestyle living. Call today for your private showing!

Highlights

Listed by Michele Morros , 850-258-9878 and Ann Wohlford , 850-624-6909 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.72

HOA Fee

3300 Annually

Year Built

1996

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Unit 1

Listing ID

790503

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Electric Cooktop, Gas Water Heater, Warming Drawer
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Sitting Area in Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:243 x 177 x 153 x 138
Zoning:Resid Single Family
Roof:Clay
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$8,876
Taxes
$594
HOA
$3,300

Home Price

$1,750,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$350,000
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:
$8,875.67

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $8,875.67 $593.58 $3,300.00 $12,769.25
Yearly $106,508.04 $7,123.00 $39,600.00 $153,231.04
Total $3,195,241.13 $213,690.00 $1,188,000.00 $4,596,931.13

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