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Harrison Lilly Team

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

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404 Wisteria St , Panama City Beach, FL 32407
$349,000
Est. Payment: $1,928.17/mo
3 Bed
1 Bath
888 Sqft
0.19 Acres
Status: Active | Days on site: 6
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Harrison Lilly Team
Owner/Operator

House Description

Your Florida Beach Cottage Awaits! Just a short stroll to the beautiful Gulf beaches--this charming 3-bedroom, 1-bath block home is ready for its next chapter! It has been recently updated with new cabinets, countertops, stainless steel appliances and new lighting fixtures. With classic terrazzo floors, a nice-sized lot, (50x140) and plenty of room to create your own backyard oasis--including space for a pool--this property is full of possibilities. Use it as your full-time Florida retreat or second home, getaway where you can relax, make memories, and enjoy everything beach life has to offer. Block construction adds peace of mind, while the location puts you close to the sand, sunshine, and all the fun of the coast. Centrally located you are a short drive to pier park and on the opposite direction a short drive to everything the east end of PCB has to offer. Pack your flip-flops and come see why this little beach cottage could be the perfect place for your slice of paradise!

Highlights

Listed by Kelli M Sullivan , 850-819-8246 and Renata Morse , 850-527-3923 Beachy Beach Real Estate , 850-233-4351. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.19

Year Built

1968

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Daugette Add-Bahm Bch

Listing ID

796097

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:60.0 ft x 140.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Outdoor Shower, Porch
Sewer:Public Sewer
Principal Interest
$1,928
Taxes
$199

Home Price

$349,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$69,800
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:
$1,928.17

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,928.17 $199.41 $0.00 $2,127.59
Yearly $23,138.10 $2,392.93 $0.00 $25,531.03
Total $694,142.90 $71,787.90 $0.00 $765,930.80

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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS