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Harrison Lilly Team

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

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817 Dolphin Dr , Panama City Beach, FL 32408
$759,000
Est. Payment: $4,193.37/mo
4 Bed
4 Bath
3400 Sqft
0.25 Acres
Status: Active | Days on site: 3
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LPTR - B10587
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Bay Point living! Located inside this beautiful Panama City Beach gated community, this spacious 4-bedroom, 3.5-bath home offers a flexible floor plan, generous living spaces, and a location just minutes from the beautiful beaches. A custom built home with southern charm and updated finishes, this home stands out amongst the typical Florida style homes. Fully renovated with new roof, flooring, windows, kitchen and baths completed in 2022. Freshly painted throughout. Every element has been addressed to make this home feel new. From the grand entrance to the high-quality molding and built ins, you will fall in love with the design and finishes. Kitchen Aid appliances. Natural light fills this home with oversize windows, glass back doors and sliders. Over size garage and plenty of parking for up to 6 cars on the double driveway. Bay Point is a gated community with 24-hour security. Only 5 minutes to the beach. The community is golf cart friendly and includes a Jack Nicklaus designed golf course, restaurants and a marina. One of the home's standout features is the private bedroom suite above the garage, creating an ideal setup for guests, extended family, a mother-in-law suite, or a private retreat. With separation from the main living areas, this versatile space provides privacy while remaining part of the home. Inside, the home offers an inviting combination of comfort and character. The kitchen features white cabinetry, granite countertops, stainless steel appliances, abundant storage, and a large peninsula, opening to the breakfast area and creating an excellent space for everyday living and entertaining. The spacious primary suite offers room for both sleeping and sitting areas, while the primary bath features a clawfoot soaking tub, separate glass-enclosed shower, dual-sink vanity, extensive cabinetry, and incredibly generous closet space. Outside, enjoy a fenced backyard, covered porch, fire-pit seating area, large golf hitting net and plenty of room for relaxing or entertaining. All of this offering the opportunity to enjoy the Panama City Beach lifestyle while being convenient to the beach, dining, shopping, boating, golf, and everything the area has to offer. Whether you're searching for a primary residence, second home, or a property with flexible accommodations for family and guests, this Bay Point home offers space, privacy, versatility, and an exceptional location.

Highlights

Listed by Blake B Spicer , 850-348-2189 LPT Realty LLC , 877-366-2213. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.25

HOA Fee

1900 Annually

Year Built

1990

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Unit 1

Listing ID

796204

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Water Heater, Gas Cooktop, Gas Water Heater, Ice Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),Multi Units
Fireplaces:Gas
Other:
  • ▪ Additional:Double Vanity, Sitting Area in Primary, Soaking Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s), Entrance Foyer, Storage

Exterior Features

Lot Dimensions:79x135x100x133
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Breezeway, Fire Pit
Sewer:Public Sewer
Parking Features:Additional Parking,Garage,Garage Door Opener,Gated
Principal Interest
$4,193
Taxes
$521
HOA
$1,900

Home Price

$759,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$151,800
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Monthly Price:
$4,193.37

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,193.37 $520.79 $1,900.00 $6,614.15
Yearly $50,320.39 $6,249.44 $22,800.00 $79,369.83
Total $1,509,611.64 $187,483.20 $684,000.00 $2,381,094.84

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: 2026-10-06T23:58:41.000Z

© 2026 Bay County Association of REALTORS