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

Harrison Lilly Team

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

Agent profile image in message

6003 Hilltop Ave , Panama City Beach, FL 32408
$610,000
Est. Payment: $3,370.16/mo
3 Bed
2 Bath
1341 Sqft
0.14 Acres
Status: Active | Days on site: 19
Get Pre-Qualified
CPSFL2 - B12333,B12021
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Welcome to laid-back coastal living in the South Lagoon area of Panama City Beach where beach days, boating adventures, and golf cart rides become part of everyday life. This beautifully designed beach house blends durability, style, and comfort with an all Hardie Board exterior, a striking metal roof, and a spacious two-car garage. With plenty of room for beach gear, water toys, and extra storage. Inside, the home feels fresh, bright, and inviting with soaring trey ceilings, luxury vinyl plank flooring in a hand-scraped finish, and soft coastal-inspired colors that instantly create a relaxed vacation atmosphere. A well though out split floor plan offers privacy for the spacious primary suite, complete with an attractive ensuite bath and generous walk-in closet. The heart of the home is the open-concept kitchen and living area, featuring quartz countertops, stainless steel appliances, and plenty of room to gather with family and friends after a day on the water or at the beach. Every detail was selected with both style and easy coastal living in mind. Located in a fun, golf-cart-friendly neighborhood with no HOA and no flood insurance required, this home offers the freedom to truly enjoy the Panama City Beach lifestyle. Spend mornings launching the boat from one of two nearby public boat ramps, afternoons soaking up the sun on the sugar-white beaches just a short walk away, and evenings cruising the neighborhood by golf cart to local restaurants, marinas, and entertainment. Whether you're searching for a full-time residence, vacation getaway, or investment property, this South Lagoon gem delivers the perfect combination of beach charm, convenience, and everyday paradise. Schedule a private tour today, fall in love and make an offer!

Highlights

Listed by Jennifer Bond , 850-867-9317 and Paige L Peterson , 850-259-0643 Compass Florida, LLC , 850-296-9769. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

Year Built

2020

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Biltmore Beach

Listing ID

790733

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:120 x 50
Zoning:Resid Single Family
Roof:Metal
Principal Interest
$3,370
Taxes
$392

Home Price

$610,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$122,000
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:
$3,370.16

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,370.16 $391.58 $0.00 $3,761.75
Yearly $40,441.95 $4,699.00 $0.00 $45,140.95
Total $1,213,258.37 $140,970.00 $0.00 $1,354,228.37

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

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

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS