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Harrison Lilly

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

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403 Wahoo Rd , Panama City Beach, FL 32408
$1,145,000
Est. Payment: $5,806.62/mo
4 Bed
3 Bath
2863 Sqft
Status: active with contingency | Days on site: 72
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to waterfront living in the highly sought-after gated community of Bay Point! Located on a canal with direct access to St. Andrews Bay and the Gulf in just minutes, this beautifully remodeled 4-bedroom, 2.5-bath home offers the perfect blend of luxury, comfort, and coastal lifestyle. Situated at approximately 9 feet above sea level, this home has been extensively remodeled and updated throughout with new interior and exterior paint, renovated finishes down to the last ceiling fan and light fixture, granite countertops in the kitchen and all bathrooms, contemporary backsplash accents, and a beautiful gas fireplace with a modern setting. The spacious interior features soaring 10 and 12-foot ceilings with extensive crown molding, creating an open and elegant feel throughout the home. Designed for both comfort and peace of mind, the home includes a built-in 10,000-watt generator capable of powering most of the home during outages, a new 17 SEER 5-ton Rheem HVAC system installed in 2025, new water heater in 2024, and a 30-year architectural roof installed in 2019. Additional features include a designer shower in the guest bath, air-conditioned garage, new Whirlpool refrigerator in the kitchen, and an additional GE side-by-side refrigerator in the garage. Step outside into your own tropical paradise featuring lush updated landscaping, automatic irrigation system, heated pool with new 2024 heat pump pool heater, spacious pool lanai, and canal frontage complete with a boat lift equipped with remote control operation. The Bay Point canal system provides easy boating access to St. Andrews Bay and the Gulf within minutes. Bay Point offers gated security along with incredible amenities including a full-service marina, restaurant, golf, tennis, and a true coastal lifestyle just minutes from everything Panama City Beach has to offer. This is more than just a home -- it's a lifestyle.

Highlights

Listed by Cherie Alexander , 850-960-1554 and Ben Alexander , 850-519-1871 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.24

HOA Fee

1900 Annually

Year Built

1998

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Unit 1

Listing ID

789899

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Cooktop, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:Gas
Other:
  • Additional:Double Vanity, Jetted Tub, Main Level Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:130 x 80
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Outdoor Shower, Porch, Rain Gutters
Sewer:Public Sewer
Parking Features:Circular Driveway,Garage,Garage Door Opener,Gated
Principal Interest
$5,807
Taxes
$593
HOA
$1,900

Home Price

$1,145,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$229,000
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:
$5,806.62

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,806.62 $592.58 $1,900.00 $8,299.20
Yearly $69,679.45 $7,111.00 $22,800.00 $99,590.45
Total $2,090,383.49 $213,330.00 $684,000.00 $2,987,713.49

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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