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Harrison Lilly

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

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8312 Surf Dr , Panama City Beach, FL 32408
$1,495,000
Est. Payment: $7,582.36/mo
5 Bed
3 Bath
2288 Sqft
Status: active | Days on site: 284
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Coastal luxury without the gulf front pricing. It is located directly across the street from the Gulf with a large pool and outdoor area. Surf Drive is a short unique street in PCB. It is only a mile long so there is not much traffic. This house is in an upscale area with many large gulf front houses within the block. This beautiful home was completely updated in 2024 and 2025. The large pool area is a great place to hang out and enjoy being at the beach. The whole pool area has stone pavers with many tables and chairs. There is both a pool and hot tub. A vinyl fence surrounds the house. All of the ceilings are shiplap and all of the flooring is LVP. It is completely furnished and rental ready. It is a corner lot with stone pavers. Parking will never be a problem as there is parking in front of the house as well as the side. It is a very short walk to either beach walk 19 or 20. You can be on the sand within a couple of minutes from the driveway. There is a large master bedroom with a large closet that can be used to put a port-a-crib for small children. A new AC was installed in addition to the other updates. The kitchen, family room and dining room make for a very large open area for the whole group to gather. There is a large big screen TV in the family room. There is a large granite top island in the kitchen that makes it easy to serve meals to a large group. All of the bathrooms are new. The hall bath has a new tub with tile around it and a sliding glass door. The other two bathrooms have tile showers with sliding glass doors. There is blue tooth connections in the bathroom fans so you can listen to music. There are a large number of hooks in the bathrooms for towels and swim suits. The outdoor shower has both cold and hot water on the side of the house when you come in from the beach. The laundry room is off of the kitchen area. The current bed configuration sleeps 18 including the pull out couch. The bunk bedroom has large built in wood bunks that can sleep 4 adults easily and even more children.

Highlights

Listed by Roger A. Faulk , 850-866-0206 Lifes A Beach Real Estate, LLC , 850-249-9111. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.13

Year Built

1980

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bel Air

Listing ID

781328

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • Additional:Main Level Primary, Shower Only, Walk-In Closet(s)

Exterior Features

Lot Dimensions:50x110
Zoning:Resort
Roof:Composition,Shingle
Others:
  • Additional:Outdoor Shower
Sewer:Public Sewer
Principal Interest
$7,582
Taxes
$684

Home Price

$1,495,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$299,000
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:
$7,582.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,582.36 $683.50 $0.00 $8,265.86
Yearly $90,988.30 $8,202.00 $0.00 $99,190.30
Total $2,729,648.85 $246,060.00 $0.00 $2,975,708.85

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