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Harrison Lilly

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

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196 Butler Cove , Panama City Beach, FL 32413
$527,535
Est. Payment: $2,675.56/mo
4 Bed
2 Bath
2018 Sqft
Status: active | Days on site: 132
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience refined coastal living just minutes from the world-famous white sands of Panama City Beach. This stunning 4-bedroom, 2-bath residence, built in 2023, offers the perfect blend of modern luxury, comfort, and location in the sought-after Bayside at Ward Creek community. Step inside to a bright, open-concept design that immediately impresses with spacious living areas, high-quality finishes, and seamless flow for entertaining. The chef-inspired kitchen is the centerpiece of the home, featuring granite countertops, sleek cabinetry, stainless appliances, and a generous island ideal for gatherings and everyday living. The luxurious primary suite offers a private retreat complete with a large walk-in closet and an elegant ensuite bath designed for relaxation. Three additional bedrooms provide flexibility for guests, family, or a home office. Enjoy the Florida lifestyle year-round with a covered back porch and backyard space perfect for outdoor dining, entertaining, or unwinding after a day at the beach. Built with energy-efficient construction and smart home features, this nearly new home delivers both sophistication and practicality. Perfectly positioned near Pier Park, Frank Brown Park, top dining, shopping, and Northwest Florida Beaches International Airport, this property places you in the heart of one of the Gulf Coast's most desirable destinations. Whether you're seeking a luxury coastal residence, a second home retreat, or a high-demand investment property, this exceptional home delivers unmatched value and lifestyle. Opportunities like this near the beach don't last -- schedule your private showing today.

Highlights

Listed by Angela Stanley , 850-319-6479 Better Homes and Gardens Coast Properties , 850-687-9988. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.13

HOA Fee

125 Quarterly

Year Built

2023

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bayside at Ward Creek

Listing ID

787050

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:50x110
Zoning:Resid Single Family
Roof:Shingle
Principal Interest
$2,676
Taxes
$385
HOA
$125

Home Price

$527,535

Loan Details

30 yrs
6.529%

Down Payment

20%
$105,507
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:
$2,675.56

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,675.56 $384.50 $125.00 $3,185.06
Yearly $32,106.70 $4,614.00 $1,500.00 $38,220.70
Total $963,200.87 $138,420.00 $45,000.00 $1,146,620.87

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