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Harrison Lilly Team

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

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397 Wahoo Rd , Panama City Beach, FL 32408
$1,189,000
Est. Payment: $6,569.05/mo
4 Bed
4 Bath
3210 Sqft
0.22 Acres
Status: Active | Days on site: 65
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BKWR - B9488
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.
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Harrison Lilly Team
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House Description

WATCH DOLPHINS AND MANATEES SWIM, FISH JUMP, AND BIRDS VISIT THE DOCK. BOAT FROM YOUR BACK YARD. NOW AVAILABLE: A GREAT WATERFRONT HOME WITH DEEP WATER ACCESS. NOT ONLY ARE THESE OPPORTUNITIES LIMITED IN PANAMA CITY BEACH, BUT THIS HOME HAS SO MUCH CHARACTER AND UNIQUE FEATURES THAT WE THINK YOU WILL LOVE. 4 BEDROOMS, MASTER BEDROOM ENSUITE IS ON THE GROUND FLOOR, 2 BEDROOMS UPSTAIRS SHARE A JACK-N-JILL BATH, 2.5 HALF BATHS TOTAL, A BONUS ROOM AND A LOFT BIG ENOUGH FOR ANOTHER BEDROOM OR WHATEVER YOUR BEST USE MAY BE. THIS HOME HAS GONE THROUGH A COMPLETE REMODEL, AND IT HAS BECOME A SHOWCASE PROPERTY. OVER THE LAST TWELVE MONTHS, IT HAS BECOME A FABULOUS PLACE TO HOST WONDERFUL THEME PARTIES AND MORE. IT IS IN A PERFECT LOCATION CLOSE TO THE END OF THE WAHOO ROAD CANAL AND OFFERS SO MUCH PRIVACY, A LOT LESS WAKES AND BOAT TRAFFIC. OUTSIDE HOT AND COLD WATER SHOWER. SOLAR PANELS ARE A BIG PLUS HERE (PAID FOR) AT NO EXTRA COST TO THE BUYER, AND THE AVERAGE POWER BILL IS $60.00 A MONTH; THE HOOK-UP FOR THE ELECTRIC VEHICLE WAS INSTALLED. THE SELLER IS A LICENSED FLORIDA REALTOR; CALL ME TO SEE THIS BEAUTIFUL HOME OR THE REALTOR YOU WORK WITH. PROOF OF FUNDS OR PRE-Q LENDER LETTER. SELLER IS A LICENSED FLORIDA REALTOR.
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Highlights

Listed by Hope Abbott, PA , 850-596-7653 Keller Williams Realty Emerald , 850-654-2900. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.22

HOA Fee

1650 Annually

Year Built

1987

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Bay Point Unit 1

Listing ID

792981

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Convection Oven, Down Draft, Electric Oven, Gas Cooktop, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Soaking Tub, Walk-In Closet(s), Loft, Pantry

Exterior Features

Lot:Paved
Lot Dimensions:131 X 58
Zoning:County
Others:
  • ▪ Additional:Covered Patio, Deck, Dock, Outdoor Shower
Sewer:Public Sewer
Parking Features:Additional Parking,Garage,Garage Door Opener,Gated
Principal Interest
$6,569
Taxes
$698
HOA
$1,650

Home Price

$1,189,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$237,800
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:
$6,569.05

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $6,569.05 $697.75 $1,650.00 $8,916.80
Yearly $78,828.64 $8,373.00 $19,800.00 $107,001.64
Total $2,364,859.35 $251,190.00 $594,000.00 $3,210,049.35

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS