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Harrison Lilly

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

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657 Shoal Landing Lot 177 , Panama City Beach, FL 32413
$848,000
Est. Payment: $4,300.45/mo
5 Bed
4 Bath
3435 Sqft
Status: active | Days on site: 22
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to your Toll Brothers dream home, where luxury, comfort, and convenience come together in perfect harmony. Construction estimated completion February 2027. Limited time to select interior design studio selections to personalize it. Nestled in a gated community, this grand two-story residence boasts over 20-foot ceilings and an inviting open floor plan designed to impress from the moment you step inside. As you enter, you're greeted by the grandeur of soaring ceilings and an abundance of natural light that fills the home with warmth. The kitchen and great room a space that invites both creativity and connection, perfect for family gatherings or entertaining guests. On the main level is the primary suite, a true retreat offering both relaxation and luxury. With a spa-like bathroom featuring a large tile shower, a separate soaking tub, and two spacious walk-in closets, every detail has been meticulously designed to create an oasis of serenity. This is more than just a bedroom; it's a sanctuary where you can unwind in ultimate comfort. Upstairs, the expansive loft and bonus area offer endless possibilities for your lifestyle, whether it's a game room, home theater, or a second living area. With four spacious bedrooms and 3.5 beautifully appointed baths, this home accommodates every need with elegance and functionality. The office room offers the ideal space for work, study or can be used as 5th bedroom. 3-car garage offers ample room for your vehicles, storage, and more. Step outside the multi slide glass door onto your covered lanai and embrace the natural wood preserve beauty providing both privacy and a tranquil setting. The community is filled with completed resort style amenities, including pool, clubhouse, fitness center, pickleball courts, tennis court, playground, and a multi-purpose field. 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. Don't miss the opportunity to make this extraordinary property your forever home, where every detail is crafted for your utmost enjoyment. Pictures are not of actual home, but same floor plan.

Highlights

Listed by Nathan O Gido , 678-245-9337 and Brenda S Anderson , 714-299-4777 Jacksonville TBI Realty LLC , 850-854-2055. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.16

HOA Fee

Year Built

2026

County

Bay

Area

27 - Bay County

Neighborhood

Breakwater at Ward Creek

Listing ID

1007398

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Microwave, Smoke Detector, Stove/Oven Electric, Warranty Provided, Water Heater - Tnkls
Other:
  • Additional:Kitchen Island, Lighting Recessed, Pantry

Exterior Features

Lot:Sidewalk,Survey Available,Wooded
Lot Dimensions:60'x120'
Zoning:Resid Single Family
Others:
  • Additional:Sprinkler System, Patio Covered
Sewer:Public Sewer
Principal Interest
$4,300
Taxes
$541
HOA
$0

Home Price

$848,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$169,600
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:
$4,300.45

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,300.45 $540.60 $0.00 $4,841.05
Yearly $51,605.39 $6,487.20 $0.00 $58,092.59
Total $1,548,161.75 $194,616.00 $0.00 $1,742,777.75

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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