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Harrison Lilly

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

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362 Emerald Cove St , Panama City Beach, FL 32407
$499,000
Est. Payment: $2,530.83/mo
4 Bed
4 Bath
2812 Sqft
Status: active | Days on site: 42
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located in the great coastal community of Emerald Cove Villas, this 4 bedroom 3 1/2 bath, 2 car garage home with over 2800 Sq. Ft. built in 2021 features many upgrades from shiplap in living area and other rooms, kitchen backsplash, marble top vanity in guest bath, shell stone floors in front and back porches, no carpet in first level, custom primary bedroom closet, screened porch, stylish light fixtures to a premium lot backing into natural conservation land providing a serene and peaceful atmosphere. House is on one of the largest lots in the community. The primary bedroom is located in the first level for privacy and the primary bathroom has many custom features. In the second level, you will find a huge bonus/living space, 3 bedrooms and two full baths. Two of the bedrooms open into a jack and jill bathroom. The laundry room is also located in the second floor. The irrigation system covers both front and back yards. The home is wired with a Smart Home package, keyless entry, an Echo Dot Device and QOLSYS IQ touch panel. The Emerald Cove community hosts sidewalks, streetlights, a dog park and is approved for short term rentals. HOA fees are one of the lowest in the area. Located a few minutes from the Navy Base, parks, shopping and restaurants. A few minutes from the Hathaway bridge makes this property very accessible to Panama City. With an acceptable offer, Seller will paint the whole interior with choice of one color. Don't miss your opportunity to see this home with lots of upgrades, plenty of room for entertaining and family time.

Highlights

Listed by Patricia Bernstein , 850-814-9122 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.13

HOA Fee

600 Annually

Year Built

2021

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Emerald Cove Villas

Listing ID

792367

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Electric Oven, Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • Additional:Double Vanity, Interior Steps, Main Level Primary, Smart Home, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:50.0 ft x 117.0 ft
Zoning:County
Roof:Asphalt
Others:
  • Additional:Porch, Rain Gutters
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Paved
Principal Interest
$2,531
Taxes
$318
HOA
$600

Home Price

$499,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$99,800
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Monthly Price:
$2,530.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,530.83 $318.11 $600.00 $3,448.95
Yearly $30,370.01 $3,817.35 $7,200.00 $41,387.36
Total $911,100.19 $114,520.50 $216,000.00 $1,241,620.69

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