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

Harrison Lilly

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

Agent profile image in message

423 Locksley Dr , Panama City Beach, FL 32407
$649,900
Est. Payment: $3,296.17/mo
4 Bed
3 Bath
1958 Sqft
Status: active with contingency | Days on site: 44
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Breakfast Point vacation-inspired pool home featuring a heated and chilled pool, whole-home Generac generator that also operates the pool, and an enchanting screened-in patio overlooking lush landscaping and the privacy of the backyard that backs up to a common area for added privacy. This beautifully designed 4-bedroom, 3-bath home is truly move-in ready and shows like a new build. From the moment you enter, you will appreciate the spacious open-concept design. The living room flows seamlessly into the kitchen and dining area and features beautiful stacking sliding glass doors that open to the screened-in porch, creating the perfect indoor and outdoor living experience. The formal dining room is located to the right of the foyer, while the kitchen straight ahead offers Quartz countertops, upgraded GE stainless steel appliances, a stunning deep farmhouse sink, and a breakfast bar ideal for family dinners or entertaining guests. The master suite is privately situated at the back left side of the home and overlooks the pool area. This inviting retreat features a tray ceiling, recessed lighting, and a beautifully upgraded master bath complete with a floor-to-ceiling tiled walk-in shower, double Quartz vanity, oversized 5x12 walk-in closet, and a stylish barn door separating the bedroom and bathroom. Two additional bedrooms and a upgraded full bath, with a floor-to-ceiling tiled shower, are located to the right of the home, with another bedroom and full bath to the front left of the homes, making it ideal for guests or multi-generational living. The laundry room is conveniently located off the kitchen and includes a folding table, and the sellers are leaving the washer and dryer. The main living areas, front bathroom, and laundry room all feature LVP flooring, while the bedrooms are carpeted and the remaining bathrooms are tiled. The true gem of this property is the private backyard oasis. The lush tropical landscaping and fenced pool area create a peaceful vacation-like setting year-round. Relax in the 15x30 pool that can be enjoyed in every season. If you want to swim at Christmas, simply turn on the heater. If you want a refreshing plunge during the summer months, turn on the chiller. The beautifully landscaped pool area will leave you feeling like you are on vacation every day, while the screened-in porch provides additional outdoor living space where you can relax comfortably and enjoy the beautiful backyard views. Additional features include 8-foot interior doors, gutters, a hurricane cover for the sliding glass doors, perennial landscaping that returns yearly, attic storage, ceiling fans throughout, window blinds, a seller-owned fenced backyard, and a pool that is approximately 2 years old. The sellers also installed footings around the pool area in the event the future owner would like to add a screen enclosure. If you are not familiar with Breakfast Point, it is one of Panama City Beach's most desirable communities due to its prime location. Residents enjoy being within walking distance to Breakfast Point Academy and having access to the walking trails, and there are even walking trails to Arnold High School. The location is unbeatable, being less than 2 miles from the sugar-white sandy beaches and just minutes from Publix, Home Depot, shopping, restaurants, the County Pier, Pier Park, and the Breakfast Point Sports Complex. Many of these destinations are even golf-cart accessible for added convenience. If this sounds like the property you have been waiting for, contact your Realtor today to schedule a private showing before this incredible opportunity becomes someone else's dream come true. All information including age, square footage, room dimensions, schools, and taxes is deemed reliable but should be verified by the buyer through personal inspection and/or professional verification if important.

Highlights

Listed by Cindy K Chavira , 850-867-0506 Own It Real Estate LLC , 850-867-0506. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

363.75 Quarterly

Year Built

2022

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Breakfast Point

Listing ID

791395

Questions about this listing?

Contact Agent

Interior Features

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

Exterior Features

Lot:Sprinkler System
Lot Dimensions:60x125
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Porch
Sewer:Public Sewer
Principal Interest
$3,296
Taxes
$333
HOA
$364

Home Price

$649,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$129,980
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:
$3,296.17

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,296.17 $332.83 $363.75 $3,992.75
Yearly $39,554.04 $3,994.00 $4,365.00 $47,913.04
Total $1,186,621.26 $119,820.00 $130,950.00 $1,437,391.26

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

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

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS