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Harrison Lilly Team

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

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204 San Vincente St , Panama City Beach, FL 32413
$399,000
Est. Payment: $2,204.42/mo
2 Bed
1 Bath
1080 Sqft
0.15 Acres
Status: Active | Days on site: 190
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EKW7 - e25090
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Located in the highly desirable El Centro Beach area of Panama City Beach, 204 San Vincente Street offers the perfect blend of classic beach charm and walkable convenience. This 2-bedroom, 1-bath home sits on a spacious lot just a short stroll to the sugar-white sands and emerald waters of the Gulf. Inside, the home features a functional layout with an open living and dining area, abundant natural light, and comfortable bedroom spaces. Central heating and air provide year-round comfort, and the roof was replaced in 2011 for added peace of mind. Step outside to enjoy a fenced backyard, offering privacy and space for entertaining, pets, or future enhancements. A workshop/storage shed adds extra functionality, and the generous lot provides room for parking, outdoor living, or expansion potential. Location is where this property truly shines. Just minutes from Pier Park, you'll enjoy easy access to shopping, dining, entertainment, and attractions including Russell-Fields Pier, SkyWheel PCB, The Grand Theater, and numerous local restaurants. Whether you're looking for a primary residence, second home, or investment opportunity, this property places you in the heart of Panama City Beach's vibrant coastal lifestyle.
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Highlights

Listed by Paul A Domenech , 850-543-1418 Keller Williams Realty FWB , 850-226-6323. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.15

Year Built

1967

County

Bay

Area

27 - Bay County

 Neighborhood

El Centro Beach

Listing ID

996369

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Microwave, Refrigerator, Smoke Detector, Stove/Oven Electric, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Hardwood
Other:
  • ▪ Additional:Washer/Dryer Hookup

Exterior Features

Lot:Interior,Level,Within 1/2 Mile to Water
Lot Dimensions:60 X 110
Zoning:Resid Single Family
Others:
  • ▪ Additional:BBQ Pit/Grill, Fenced Back Yard, Yard Building, Deck Open
Sewer:Septic Tank
Parking Features:Carport
Principal Interest
$2,204
Taxes
$200

Home Price

$399,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,800
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:
$2,204.42

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,204.42 $200.20 $0.00 $2,404.62
Yearly $26,453.01 $2,402.40 $0.00 $28,855.41
Total $793,590.31 $72,072.00 $0.00 $865,662.31

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

IDX service by Blueroof 360

Data last updated: 2026-10-07T04:14:31.000Z

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