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Harrison Lilly Team

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

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406 Warren Bayou Ln , Panama City Beach, FL 32407
$489,000
Est. Payment: $2,701.65/mo
3 Bed
2 Bath
1652 Sqft
0.14 Acres
Status: Active | Days on site: 12
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Harrison Lilly Team
Owner/Operator

House Description

OPEN HOUSE SUNDAY October 11th 2-4:30pm With Tranquil pond views, a screened swim spa retreat, and an impressive collection of upgrades, this Breakfast Point home brings together comfort, privacy, and effortless everyday living. Its the lifestyle, the sidewalks, and the location makes breakfast point so desirable and this 3 bedroom 2 bathroom home, ideally located just two blocks from Breakfast Point Elementary School and with neighborhood connectivity to Arnold High School makes this home even more special. With playgrounds within walking distance and convenient access to shopping, dining, beaches, parks, and everyday necessities, this home offers an exceptional combination of comfort, convenience, and lifestyle. One of the standout features is the fully paid-for solar system, helping save hundreds of dollars each month on electricity and providing long-term energy savings. Outside, you'll find an incredible private retreat designed for both relaxation and entertaining. The spacious covered porch overlooks the community pond, with no homes directly across the water, creating beautiful views and a greater sense of privacy. The screened enclosure surrounding the Bullfrog S150 swim spa allows you to enjoy the space year-round--whether you're exercising, relaxing with the therapeutic jets, or unwinding in the evening. Inside, the home offers a spacious split-bedroom floor plan with thoughtful upgrades throughout. The great room features elegant tray ceilings and flows seamlessly into the oversized kitchen, which provides an abundance of counter space, ample cabinetry, a walk-in pantry, stainless steel appliances, and a gas cooktop--making it an ideal space for everyday living and entertaining. Updated flooring runs throughout the main living areas, while hurricane-impact windows provide added protection and peace of mind. The spacious primary suite offers a relaxing retreat with a large walk-in closet, double vanity, and an impressive oversized walk-in shower. Additional bedrooms are generously sized and thoughtfully positioned for privacy. Storage is another major advantage, thanks to an oversized attic space that is exceptionally difficult to find in Breakfast Point, providing valuable room for seasonal items, storage, or future needs. The porches feature durable epoxy coatings for added protection, easy maintenance, and effortless cleanup. With its paid-off solar system, impact windows, private pond views, exceptional storage, upgraded kitchen, resort-style swim spa, and prime location within Breakfast Point, this home offers features and value that are truly hard to find.

Highlights

Listed by The Jarrett Group , 850-279-5911 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

364 Quarterly

Year Built

2019

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Breakfast Point

Listing ID

795319

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Gas Cooktop, Gas Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Shower Only, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:50.0 ft x 125.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Patio, Porch, Rain Gutters
Sewer:Public Sewer
Principal Interest
$2,702
Taxes
$309
HOA
$364

Home Price

$489,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$97,800
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Monthly Price:
$2,701.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,701.65 $309.45 $364.00 $3,375.10
Yearly $32,419.85 $3,713.38 $4,368.00 $40,501.23
Total $972,595.64 $111,401.40 $131,040.00 $1,215,037.04

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

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