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Harrison Lilly

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

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517 Beachside Gardens , Panama City Beach, FL 32413
$10,995,000
Est. Payment: $55,764.57/mo
8 Bed
10 Bath
6096 Sqft
Status: active | Days on site: 178
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This is not just a beachfront home. It is a 140 foot Gulf front compound inside the gated community of Carillon Beach, one of the most private and tightly held communities on the coast. The lot is exceptionally wide, creating a sense of openness and scale that is nearly impossible to find today. Built in 2019, the modern main residence and separate carriage house together offer more than 6,000 square feet of thoughtfully designed living space, complemented by over 2,000 square feet of covered porches positioned for uninterrupted Gulf views and remarkable sunset evenings. The three-level carriage house enjoys Gulf vistas from every floor, a rare and compelling feature that enhances both privacy and long-term value. The layout is intentional, balancing expansive gathering areas with private retreats, allowing the property to perform equally well as a personal compound or a high-performing investment. In total, the estate accommodates up to 22 guests across eight bedrooms, seven ensuite bathrooms, and three additional powder rooms. A private pool anchors the outdoor living experience, while multiple terraces and direct access to an expansive stretch of beach extend the home's livability well beyond its walls. Directly in front of the property lies more than 3,900 linear feet of community beachfront, creating an uncommon sense of space, minimal foot traffic, and a setting that feels quiet and exclusive. The main house and carriage house may be rented together or independently, offering flexibility for owners seeking income potential without compromising lifestyle. As a legacy family retreat or a luxury rental asset, the property stands apart in scale, width, and irreplaceable beachfront positioning. Opportunities of this caliber are increasingly rare along the Gulf.

Highlights

Listed by Spears Group , 850-710-2114 Compass , 850-296-9769. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.85

HOA Fee

Year Built

2019

County

Bay

Area

27 - Bay County

Neighborhood

Carillon Beach

Listing ID

995292

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:8
  • Bathrooms:10
  • Full Bathrooms:10
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Stove/Oven Dual Fuel, Washer, Water Heater - Gas
Air Cond:Ceiling Fans
Fireplaces:Fireplace Gas
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Ceiling Vaulted, Elevator, Fireplace, Kitchen Island, Lighting Recessed, Owner's Closet, Pantry, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Restrictions,Within 1/2 Mile to Water
Lot Dimensions:140x266
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Shower, Deck Covered, Patio Covered, Fenced Lot-Part
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$55,765
Taxes
$9,977
HOA
$0

Home Price

$10,995,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$2,199,000
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:
$55,764.57

Principal

Taxes

Principal Taxes HOA Total
Monthly $55,764.57 $9,977.15 $0.00 $65,741.72
Yearly $669,174.79 $119,725.84 $0.00 $788,900.63
Total $20,075,243.57 $3,591,775.20 $0.00 $23,667,018.77

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

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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