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Harrison Lilly Team

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

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5623 Hilltop Ave , Panama City Beach, FL 32408
$550,000
Est. Payment: $3,038.67/mo
4 Bed
3 Bath
1998 Sqft
0.14 Acres
Status: Active | Days on site: 163
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Harrison Lilly Team
Owner/Operator

House Description

YOUR BEAUTIFUL BEACH RETREAT AWAITS! Welcome to this stunning Coastal-style home on the desirable east end of Panama City Beach, offering the perfect blend of location, comfort, and investment potential. With 4 bedrooms and 2.5 baths, this spacious property is ideal as a primary residence, vacation home, or short-term rental. Enjoy the ultimate beach lifestyle--walk or take your golf cart to the beach, Schooners, shopping, and dining--all less than half a mile away. Inside, you will find a bright, open-concept living space filled with natural light, featuring a beautifully appointed kitchen with granite countertops, custom cabinetry, stainless steel appliances, and an oversized island--perfect for entertaining. Just off the kitchen, step out to a private patio and large fenced backyard, ideal for gatherings or relaxing after a day at the beach. The first-floor primary suite offers convenience and comfort with a private bath and spacious walk-in closet. Upstairs, a second living area, three additional bedrooms, full bath, laundry room, and a private balcony provide plenty of space for family or guests. Offered fully furnished and turn-key, this home is ready for immediate enjoyment or rental income. With close proximity to the Gulf, boating, dining, and local attractions, it delivers the coastal lifestyle you have been searching for. Don't miss this incredible opportunity--schedule your showing today!

Highlights

Listed by Eva M Mullins , 850-527-3269 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

Year Built

2018

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Biltmore Beach 1st Add

Listing ID

788230

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:50x120
Roof:Metal
Others:
  • ▪ Additional:Patio
Parking Features:Paved
Principal Interest
$3,039
Taxes
$493

Home Price

$550,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$110,000
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:
$3,038.67

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,038.67 $493.25 $0.00 $3,531.92
Yearly $36,464.05 $5,919.00 $0.00 $42,383.05
Total $1,093,921.48 $177,570.00 $0.00 $1,271,491.48

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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS