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Harrison Lilly

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

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104 Johnson Bayou Dr , Panama City Beach, FL 32407
$647,000
Est. Payment: $3,281.46/mo
4 Bed
3 Bath
2355 Sqft
Status: active | Days on site: 58
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to your dream home in the highly sought-after Breakfast Point community! This beautifully maintained 4-bedroom, 3-bathroom home, built in 2017, offers over 2,300 square feet of bright, open living space designed for comfort and functionality. In addition to the four bedrooms, there's a dedicated office, making it ideal for working from home, studying, or creating a flex space to fit your lifestyle. The spacious kitchen flows seamlessly into the living and dining areas, creating the perfect space for entertaining. Move-in day will be easy because the refrigerator, washer, and dryer all stay with the home. You'll also enjoy significant energy savings with fully paid-off solar panels. The seller is even offering a $2,000 carpet allowance so you can add your own personal touch. Car enthusiasts and those needing extra storage will appreciate the oversized 3-car garage, built approximately two feet deeper than standard. The widened driveway provides even more parking space for guests, boats, or additional vehicles. Every bathroom has been upgraded with tile showers instead of standard surrounds, and the front bathroom features a spacious walk-in tiled shower in place of the original tub, adding both style and convenience. Step outside to your private backyard retreat featuring a fully fenced yard with an attractive black wrought-iron-style rear fence overlooking a peaceful preserve. Relax year-round in the hot tub under the screened-in back porch, while the beautifully manicured lawn is kept lush with an automatic sprinkler system. Two storage sheds provide plenty of room for tools, lawn equipment, and outdoor gear. Located in a quiet, friendly neighborhood, you'll be just minutes from shopping, dining, and highly rated Breakfast Point Academy, with the white-sand beaches of Panama City Beach and Pier Park only a short drive away. This home truly combines thoughtful upgrades, energy efficiency, privacy, and an unbeatable location, don't miss your opportunity to make it yours!

Highlights

Listed by Mary J Bossert , 850-605-6052 and Sara Bullock , 619-861-3120 Beachy Beach Real Estate , 850-233-4351. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

363.75 Quarterly

Year Built

2017

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Breakfast Point

Listing ID

791444

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Oven, Gas Cooktop, Gas Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:60x125
Roof:Composition,Shingle
Sewer:Public Sewer
Principal Interest
$3,281
Taxes
$543
HOA
$364

Home Price

$647,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$129,400
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:
$3,281.46

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,281.46 $543.00 $363.75 $4,188.21
Yearly $39,377.54 $6,516.00 $4,365.00 $50,258.54
Total $1,181,326.29 $195,480.00 $130,950.00 $1,507,756.29

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