Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

408 Dolphin St , Panama City Beach, FL 32413
$758,000
Est. Payment: $3,844.43/mo
4 Bed
3 Bath
2184 Sqft
Status: active | Days on site: 138
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Welcome to 408 Dolphin Street, a rare opportunity to own in the highly sought-after Bid-A-Wee Beach community--one of Panama City Beach's desirable coastal neighborhoods. Located just two blocks from the only gated, private beach accesses in PCB, this home offers an exclusive beach lifestyle that is simply unmatched. Golf cart friendly community and there are no short-term rentals allowed on this street, creating a peaceful, residential setting perfect for a primary home or second home retreat. This spacious 4-bedroom, 3 full bath home blends charm, functionality, and thoughtful updates throughout. Inside, you'll find original 3 quarter-inch tongue-and-groove red oak hardwood floors, adding warmth and character to the living spaces. The flexible floor plan features two master suites--one on the main level and one upstairs--ideal for guests or multi-generational living. A downstairs bathroom is also wheelchair accessible, providing added convenience. Major updates have already been taken care of, including appliances that are just 3 years old with a double oven, a 4-year-old HVAC system, 2 security systems (ring and rep link), new mini split units, new front windows, and plantation shutters throughout the entire home. A one-car garage adds additional storage and functionality. Step outside to your private backyard oasis, complete with a sweet water well for irrigation (can also be hooked to the home if the water goes out), tranquil koi pond and mature fruit trees including banana, grape, pomegranate, and orange--creating a true Florida retreat. The pool has been recently updated with a new pump and an outdoor shower, perfect for after the beach or pool. While there is no mandatory HOA, there is a voluntary $100 per year contribution that helps maintain the private gated beach access--one of the most valuable and exclusive features of the Bid-A-Wee Beach community. Located in an established neighborhood, and exclusive access to Bid-A-Wee's private gated beach, this property offers a rare combination of privacy, location, and lifestyle. Call today to schedule a showing.

Highlights

Listed by Crystal Duncan , 850-866-8622 and Savannah Z Hamilton , 850-890-1300 Paradise Properties of NW Florida , 850-588-7136. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

Year Built

1985

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bid-A-Wee Beach 1st Add

Listing ID

787141

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Ductless
Fireplaces:
Other:
  • Additional:Interior Steps, Main Level Primary, Shower Only, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:50' x 150'
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Deck, Patio
Sewer:Public Sewer
Parking Features:Paved
Principal Interest
$3,844
Taxes
$105

Home Price

$758,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$151,600
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:
$3,844.43

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,844.43 $105.08 $0.00 $3,949.52
Yearly $46,133.20 $1,261.00 $0.00 $47,394.20
Total $1,383,995.87 $37,830.00 $0.00 $1,421,825.87

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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