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Harrison Lilly

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

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132 San Vincente St , Panama City Beach, FL 32413
$430,000
Est. Payment: $2,180.88/mo
3 Bed
2 Bath
1964 Sqft
Status: active | Days on site: 37
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

What's Special: 2 self-contained units Ample parking Mature shade trees Covered patio Walking distance to the beach Welcome to 132 San Vincente! This cottage is perfectly positioned within walking distance of the iconic white sandy beaches and several restaurants, and just 1.5 miles from Pier Park with all of its entertainment options. This property is located in a short-term rental and golf cart-friendly neighborhood. There are two self-contained units. Both Unit A and Unit B are 1-bedroom, 1-bath units with tile flooring throughout. Each unit features a pantry, ample closet space, a breakfast bar, dishwasher, washer/dryer, and plenty of shelving. Unit B also features a large carpeted, closet-lined addition with double-paned windows and a brand-new AC/heat unit. This space could be used as a bedroom, hobby room, or playroom. There is a covered patio tucked away for privacy from the street, featuring two porch swings. The property also includes a small, fully fenced backyard. Nearby Attractions: Frank Brown Park is just 2 minutes away and offers: Public swimming pool Dog park Skate park Sports facilities Playground Home of Gulf Coast Jam Conservation Park is 5 minutes away and boasts: 24 miles of walking and biking trails 2,900 acres of natural beauty Pine forests, wetlands, and cypress domes This home features a metal roof. Recent upgrades within the last 5 years include: New HVAC system in Unit B New water heater in Unit A New refrigerator and dishwasher in Unit A Expand your investment portfolio or enjoy a beachside getaway that could help pay for itself. Live in one unit and rent the other, or maximize income potential with short-term rentals in this highly desirable beach community.

Highlights

Listed by Misty L Curtis , 850-527-1178 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.15

Year Built

1985

County

Bay

Area

03 - Bay County - Beach

Neighborhood

El Centro Beach

Listing ID

791784

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary, Tub Shower, Utility Room

Exterior Features

Lot Dimensions:60.0 ft x 110.0 ft
Zoning:Resid Multi-Family
Roof:Metal
Sewer:Public Sewer
Principal Interest
$2,181
Taxes
$274

Home Price

$430,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$86,000
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:
$2,180.88

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,180.88 $274.13 $0.00 $2,455.00
Yearly $26,170.55 $3,289.50 $0.00 $29,460.05
Total $785,116.39 $98,685.00 $0.00 $883,801.39

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

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