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Harrison Lilly

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

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5412 Hilltop Ave , Panama City Beach, FL 32408
$399,000
Est. Payment: $2,023.65/mo
3 Bed
2 Bath
1075 Sqft
Status: active | Days on site: 62
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Paradise! Your perfect beach get away in the highly desirable Lower Lagoon area of Panama City Beach is waiting for you. Just a couple of blocks from the sugar-white sands and emerald waters of the Gulf, this fully furnished 3-bedroom, 2-bathroom single-family home offers the perfect blend of relaxation, convenience, and investment potential. Ideally located within walking distance to some of the area's best restaurants, shopping, and local attractions, you'll also enjoy easy access to boating, fishing, and family-friendly entertainment. Whether cruising by golf cart or strolling to the beach, this location truly captures the laid-back coastal lifestyle and even offers a few public boat ramps in the neighborhood. Inside, the thoughtfully designed layout comfortably accommodates families and guests, featuring two spacious king bedrooms and a bunk room with two sets of bunk beds, making it an ideal short-term rental or full-time residence. The home has been tastefully updated with new luxury vinyl plank flooring, recessed lighting, a newly added full bathroom, and a dedicated laundry room with new washer and dryer, ensuring modern comfort throughout. Step outside to your own private backyard oasis! Situated on a generous lot, the fully fenced yard is perfect for entertaining and unwinding. Enjoy evenings under the large gazebo, fire up one of the two built-in grills, rinse off in the outdoor shower, or relax by the stock tank pool with lounging deck. There's even ample space to add a full-size pool if desired. A 12x12 storage shed provides plenty of room for beach gear and tools. Additional upgrades include a brand-new septic system, offering peace of mind for years to come. This property presents a fantastic opportunity as a turnkey, rental-ready investment or your own slice of paradise near the Gulf. Don't miss your chance to own this inviting coastal getaway--schedule your private showing today!

Highlights

Listed by Bubba McCants , 850-624-8433 EXP Realty LLC , 888-883-8509. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.14

Year Built

1970

County

Bay

Area

27 - Bay County

Neighborhood

Biltmore Beach

Listing ID

1005484

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dryer, Microwave, Refrigerator, Stove/Oven Electric, Washer
Air Cond:Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • Additional:Breakfast Bar, Lock Out

Exterior Features

Lot:Flood Insurance Req
Lot Dimensions:50 x 120
Zoning:Resid Single Family
Others:
  • Additional:BBQ Pit/Grill, Fenced Back Yard, Shower
Sewer:Septic Tank
Principal Interest
$2,024
Taxes
$332

Home Price

$399,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,800
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:
$2,023.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,023.65 $332.35 $0.00 $2,356.00
Yearly $24,283.83 $3,988.18 $0.00 $28,272.01
Total $728,514.98 $119,645.40 $0.00 $848,160.38

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 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

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