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Harrison Lilly

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

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532 Cove Villa St , Panama City Beach, FL 32407
$455,000
Est. Payment: $2,307.67/mo
4 Bed
4 Bath
2602 Sqft
Status: active | Days on site: 58
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Exceptional value meets prime coastal living--this is currently the LOWEST priced 4-BED, 2,600+ sq ft home featuring a MAIN-FLOOR PRIMARY SUITE anywhere in PCB! YOUR COASTAL BEAUTY AWAITS! A 2021 CRAFTSMAN, TUCKED AWAY ON A PRIVATE CUL-DE-SAC. Deeply loved and meticulously maintained by its current family, this property is filled with warmth, character, and an incredible sense of home. Spanning over 2,600 square feet of brilliantly designed living space, this immaculate 4-bedroom, 3.5-bathroom residence is the definition of modern coastal comfort. With a fresh, open-concept layout and premium upgrades throughout, this house proves you do not have to sacrifice space for a phenomenal location. DESIGNED FOR EFFORTLESS EVERYDAY LIVING, THE FLOOR PLAN FEATURES TWO SEPARATE LIVING ROOMS TO GIVE EVERYONE IN THE FAMILY PLENTY OF COMFORTABLE SPACE TO SPREAD OUT. The main level offers ultimate privacy with a spacious 1ST FLOOR PRIMARY BEDROOM retreat featuring a massive walk-in closet and an en-suite bathroom that serves as a true oasis, boasting a large walk-in shower. The heart of the home is a beautiful chef's kitchen equipped with stunning granite countertops, a sleek smooth-top stove, high-end stainless steel appliances, pantry, and cabinetry offering incredible storage. Beautiful, durable vinyl plank flooring runs throughout the downstairs living areas, perfectly complementing the modern finishes while standing up to a busy lifestyle. Fully equipped for convenience, the property includes built-in smart-home technology with keyless entry, a touch-screen control panel, a smart doorbell, and Echo Dot integration. THE SECOND LEVEL IS AN ABSOLUTE DREAM FOR FAMILIES OR HOSTING GUESTS, HIGHLIGHTED BY A MASSIVE SECONDARY LIVING ROOM. This spacious upstairs family or game room is the perfect, comfortable flex space for a pool table, a cozy media room, or a private retreat for kids to relax and play. The generously sized upstairs bedrooms feature cozy carpeting and share a highly functional Jack-and-Jill bathroom. Step outside to your private outdoor oasis, where a covered patio overlooks a fully privacy-fenced backyard, creating a secure environment that has been the setting for countless weekend cookouts and wonderful family memories. LOCATION IS EVERYTHING, AND FOR MILITARY BUYERS, THIS IS THE ULTIMATE PCS DREAM WITH NSA PANAMA CITY RIGHT AT YOUR DOORSTEP. From your quiet cul-de-sac, your morning commute to the Navy base is literally under five minutes, making it an absolute dream for active duty families or busy professionals. When it is time to unwind, you are perfectly positioned less than ten minutes from the pristine shores of St. Andrews State Park and the sugar-white sand beaches. Spend your weekends exploring the waterfront dining and shopping of the Grand Lagoon, grabbing authentic local flavor at Dat Cajun Place, or celebrating the sunset at the legendary Schooners. PRICED COMPETITIVELY, THIS INCREDIBLY LOVED HOME REPRESENTS A FANTASTIC VALUE AND THE PERFECT LANDING SPOT FOR A RELOCATION. This property is incredibly versatile and warmly welcomes VA, FHA, Conventional, and Cash buyers. A nearly-new build with two living spaces, this much square footage, and this level of comfort is a rare find on the coast, so schedule your private tour today!

Highlights

Listed by Danielle S Kemp , 850-896-2487 and Natalie A Ryan , 850-960-1731 CENTURY 21 Ryan Realty Inc , 850-233-7926. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.11

HOA Fee

620.28 Annually

Year Built

2021

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Emerald Cove Villas

Listing ID

791523

Questions about this listing?

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Interior Features

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

Exterior Features

Lot:Cul-De-Sac,Sprinkler System,Paved
Lot Dimensions:50.0 ft x 100.0 ft
Zoning:County, Resid Single Family
Roof:Shingle
Others:
  • Additional:Porch
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,308
Taxes
$290
HOA
$620

Home Price

$455,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$91,000
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:
$2,307.67

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,307.67 $290.06 $620.28 $3,218.02
Yearly $27,692.09 $3,480.75 $7,443.36 $38,616.20
Total $830,762.69 $104,422.50 $223,300.80 $1,158,485.99

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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