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Harrison Lilly

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

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121 Dragon Cir , Panama City Beach, FL 32408
$589,900
Est. Payment: $2,991.86/mo
4 Bed
3 Bath
2919 Sqft
Status: active | Days on site: 114
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

A GREAT INVESTMENT OPPORTUNITY! A DIAMOND IN THE ROUGH. If you are in the business to remodel, you could easily put 150k into this one and make it a great flip or dream home. Nestled within the prestigious Dragon's Ridge neighborhood of Bay Point, this exceptional luxury home offers a rare opportunity to live along the 9th hole of the renowned Jack Nicklaus golf course. Showcasing striking Mediterranean architecture, the residence boasts impressive curb appeal, highlighted by a barrel tile roof installed in 2019 and timeless design elements throughout. This spacious four-bedroom, three-bath home is priced to sell as is, presenting an outstanding investment or renovation opportunity to customize and create your dream home in one of the area's most sought-after communities. Bay Point offers a vibrant and welcoming lifestyle with an array of amenities and social activities to enjoy at your leisure. Residents can take advantage of the yacht club, golf club, marina sunset socials, book clubs, wine clubs, women's club events, game nights, on-site dining, and live music. Whether you prefer an active social calendar or a more relaxed pace, Bay Point offers the perfect balance. With over 50 years of established charm and community appeal, this is your chance to become part of one of the most desirable neighborhoods in the area.

Highlights

Listed by Hope Abbott, PA , 850-596-7653 Keller Williams Realty Emerald , 850-654-2900. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.33

HOA Fee

254 Monthly

Year Built

1990

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Dragon's Ridge Corrctd

Listing ID

787864

Questions about this listing?

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Interior Features

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

Exterior Features

Lot Dimensions:140X104
Zoning:Resid Single Family
Roof:Clay
Others:
  • Additional:Porch
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$2,992
Taxes
$366
HOA
$254

Home Price

$589,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$117,980
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:
$2,991.86

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,991.86 $366.08 $254.00 $3,611.94
Yearly $35,902.34 $4,393.00 $3,048.00 $43,343.34
Total $1,077,070.14 $131,790.00 $91,440.00 $1,300,300.14

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