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Harrison Lilly

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

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344 Breakwater Boulevard Lot 28 , Panama City Beach, FL 32413
$864,000
Est. Payment: $4,382.04/mo
4 Bed
4 Bath
2844 Sqft
Status: active | Days on site: 85
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Stunning single-story 3 car garage Toll Brothers home. Construction completion estimated January 2027. Offering 2,844 square feet of living space. Boasting 4 spacious bedrooms, office/flex room and 3.5 beautifully appointed bathrooms, this residence exudes elegance and comfort at every turn. The soaring 12-foot ceilings in the grand foyer set the tone for the home's grandeur, with 10-foot ceilings throughout the rest of the living areas, adding to the airy and open feel. The expansive open floor plan includes a office room, perfect for working from home, and a three-car garage with a stylish paver driveway. Step into the heart of the home, the gourmet open kitchen. Here, you'll find exquisite quartz countertops, large island, and stainless steel appliances, making it ideal for both cooking and entertaining. Bathrooms feature elegant tile finishes. The primary suite is a true retreat, with two walk-in closets offering ample storage space and bathroom designed to pamper with a spa-like atmosphere large soaking tub and walk-in tile shower. Enjoy outdoor living on the covered paver lanai, which overlooks a serene private wooded preserve, providing the ultimate in peace and privacy. The beautiful gated community enhances your lifestyle, offering easy access to a variety of completed amenities including a resort-style pool, clubhouse, fitness center, tennis and pickleball courts, playground, multi-purpose field, and much more. Short drive to public beach access, Pier Park shopping, dining and fun entertainment, airport, future FSU/TMH medical campus, future West Bay Center with Publix, and recreation outdoor activities at Frank Brown Park. This home is more than just a place to live, it's a lifestyle waiting to be embraced. Call today to schedule your private tour! Pictures are stock photos and not of actual home.

Highlights

Listed by Nathan Gido , 678-245-9337 and Brenda S Anderson , 714-299-4777 Jacksonville TBI Realty LLC , 904-484-4951. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.19

HOA Fee

210 Monthly

Year Built

2026

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Breakwater at Ward Creek

Listing ID

789642

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Gas Range, Tankless Water Heater
Air Cond:Zoned
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Smart Home, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:60'x120'
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$4,382
Taxes
$113
HOA
$210

Home Price

$864,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$172,800
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:
$4,382.04

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,382.04 $112.92 $210.00 $4,704.96
Yearly $52,584.54 $1,355.00 $2,520.00 $56,459.54
Total $1,577,536.19 $40,650.00 $75,600.00 $1,693,786.19

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