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

I agree to receive automated marketing calls and texts (SMS/MMS) from Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE, its affiliates and their agents. Msg & data rates may apply. Msg frequency varies. Reply STOP to cancel. Consent is not required for purchase. I also agree to the Terms of Use and Privacy Policy.

main property photo 0
main property photo 1
main property photo 2
main property photo 3
main property photo 4
main property photo 5
main property photo 6
main property photo 7
main property photo 8
main property photo 9
main property photo 10
main property photo 11
main property photo 12
main property photo 13
main property photo 14
main property photo 15
main property photo 16
main property photo 17
main property photo 18
main property photo 19
main property photo 20
main property photo 21
main property photo 22
main property photo 23
main property photo 24
main property photo 25
main property photo 26
main property photo 27
main property photo 28
main property photo 29
main property photo 30
main property photo 31
main property photo 32
main property photo 33
main property photo 34
main property photo 35
main property photo 36
main property photo 37
main property photo 38
main property photo 39
main property photo 40
main property photo 41
main property photo 42
main property photo 43
main property photo 44
main property photo 45
main property photo 46
main property photo 47
main property photo 48
main property photo 49
main property photo 50
main property photo 51
main property photo 52
main property photo 53
main property photo 54
main property photo 55
main property photo 56
main property photo 57
main property photo 58
View All (59)
property photo 1
property photo 2
property photo 3
3707 Mystic Street A & B , Panama City Beach, FL 32408
$645,000
Est. Payment: $3,271.32/mo
5 Bed
3 Bath
2088 Sqft
Status: active | Days on site: 153
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
View agent profile
Email
Call

House Description

ADORABLE DUPLEX WITH MULTIPLE POSSIBILITIES! * Live in one side, rent the other out. * Short term rent both units. * Short term rent one side, mid or long-term rent the other. THE CHOICE IS YOURS! SIDE A: MYSTIC SURF --3 BR, Sleeps 8 - King, King, King + Twin/Twin Trundle --1 Full, 1 Half Bath --Surf/wave murals in every bedroom --Full Kitchen with lots of counter space --Private Patio --Storage shed --Electric fireplace! SIDE B: MYSTIC SUN --2 BR, Sleeps 4 - King, King rooms --1 Full Bath --Full Kitchen --Private Patio --Storage shed --Wood-burning fireplace! LOCATION: Across the street from public lagoon access. One block to public boat ramp. Walk to public beach access #11, just 7 blocks away. Walk to Buster's Beer and Bait. Drive to Schooner's and the St Andrews State Park. Don't miss your opportunity for 100% bonus depreciation this year. Ask your CPA how you can SAVE BIG MONEY ON TAXES! Come see this today! We look forward to receiving your offer! See the walkthrough video attached to this listing, and ask your agent for the Airbnb link as well. Thank you for your interest. We look forward to your offer!
Show more

Highlights

Listed by January M Johnson , 850-691-9851 EXP Realty LLC , 888-883-8509. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome
Lot/Acreage
0.17

Year Built

1981

County

Bay

Area

27 - Bay County

 Neighborhood

Biltmore Beach 1St Add

Listing ID

996455

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Microwave, Refrigerator, Stove/Oven Electric, Washer
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:58x100
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Patio Open
Sewer:Septic Tank
Principal Interest
$3,271
Taxes
$502

Home Price

$645,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$129,000
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:
$3,271.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,271.32 $502.38 $0.00 $3,773.70
Yearly $39,255.82 $6,028.55 $0.00 $45,284.37
Total $1,177,674.59 $180,856.50 $0.00 $1,358,531.09

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

© 2026 Emerald Coast Multiple Listing Services