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Harrison Lilly

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

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1075 Harrison Bayou Dr , Panama City Beach, FL 32407
$549,000
Est. Payment: $2,784.42/mo
4 Bed
3 Bath
2255 Sqft
Status: active | Days on site: 138
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

NEWER CONSTRUCTION. EXTENSIVELY UPGRADED. MOVE-IN READY. Why wait for new construction or spend years upgrading when it's already been done? This 4BR/3BA home in Breakfast Point East offers extensive post-build upgrades, smart-home features, and finished outdoor living. Seller offers up to $10,000 toward buyer closing costs and/or rate buydown with acceptable offer, subject to lender/program approval. Custom entertainment wall features 75'' Samsung TV, soundbar, Philips Hue lighting, color-changing electric fireplace, hidden storage, and integrated outlets--perfect for entertaining. Upgraded kitchen includes Samsung Bespoke refrigerator, touchless faucet, pot filler, upgraded hardware, designer lighting, and pull-out organizers. Interior upgrades include custom closet systems in secondary bedrooms, upgraded baths with built-in shelving and LED mirrors, Pottery Barn accessories, custom curtain rods, multiple TV mounts, pantry electrical access, accent lighting, and A/C electrostatic purification system. Outdoor living features a screened-in patio with premium electric retractable screen, ceiling fan, outlets, and epoxy flooring. Additional exterior upgrades include seamless gutters, WiFi irrigation, flower-bed irrigation, marble landscaping accents, solar lighting, and termite prevention system. Spacious backyard offers room for a future pool (per HOA). Smart home/security: wired Google cameras and floodlights, video doorbell, solar garage lighting, and ADT system with sensors and fire/CO detection. Attic includes pull-down ladder and added wood flooring for storage. Conveniently located near top-rated schools, shopping, dining, entertainment, and Panama City Beach. Skip the project list! Move in and enjoy. Buyer to verify all information deemed important.

Highlights

Listed by Makayla E Lewis , 850-832-6260 CENTURY 21 Commander Realty , 850-769-8326. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

792 Annually

Year Built

2024

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Breakfast Point East

Listing ID

787711

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Oven, Electric Water Heater, Gas Range
Air Cond:Central Air
Fireplaces:Electric
Other:
  • Additional:Double Vanity, Main Level Primary, Smart Home, Smart Thermostat, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:x
Zoning:Resid Single Family
Others:
  • Additional:Porch
Sewer:Public Sewer
Principal Interest
$2,784
Taxes
$442
HOA
$792

Home Price

$549,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$109,800
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:
$2,784.42

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,784.42 $441.92 $792.00 $4,018.34
Yearly $33,413.09 $5,303.00 $9,504.00 $48,220.09
Total $1,002,392.79 $159,090.00 $285,120.00 $1,446,602.79

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 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