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Harrison Lilly Team

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

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409 Warren Bayou Ln , Panama City Beach, FL 32407
$449,900
Est. Payment: $2,485.63/mo
3 Bed
2 Bath
1664 Sqft
0.14 Acres
Status: Active | Days on site: 105
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Breakfast Point! Step into luxury at 409 Warren Bayou Lane. This beautifully maintained home nestled in this quaint sought-after neighborhood provides quiet carefree living. This 3 Bedroom and 2 bathroom home boasts a split-bedroom floor plan that offers privacy, with a large owner's suite showcasing expansive windows that flood the space with natural light, and tray ceilings. The on-suite bath is beautifully appointed with a huge walk-in-shower, and a dual sink vanity topped with granite countertops. The heart of the home includes an open great room, dining area, and kitchen island with stainless steel appliances, granite countertops, and a tile backsplash. Carefree living continues with the large family room that was made for entertaining. Natural light flows throughout this spacious Family room with large windows that look out to the enclosed Lanai. Outdoor living is enhanced with a large front porch and covered patio, to suit your entertaining or relaxing needs. A 2-car garage completes this functional and welcoming home. One of Panama City Beach's most desirable communities that is conveniently located within walking distance to great schools, incredible shopping and just minutes from having your feet in the sugar-white sand beach. This opportunity you won't want to miss--schedule your showing today and experience refined Florida living at its finest and ''Live the Dream''.

Highlights

Listed by Mike A Koch , 850-596-3809 ERA Neubauer Real Estate, Inc , 850-872-3434. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

383 Quarterly

Year Built

2019

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Breakfast Point

Listing ID

789441

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range, Gas Cooktop, Gas Water Heater, Ice Maker
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:50X125
Zoning:City, Resid Single Family
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Paved
Principal Interest
$2,486
Taxes
$293
HOA
$383

Home Price

$449,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$89,980
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:
$2,485.63

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,485.63 $293.08 $383.00 $3,161.72
Yearly $29,827.59 $3,517.00 $4,596.00 $37,940.59
Total $894,827.77 $105,510.00 $137,880.00 $1,138,217.77

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS