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Harrison Lilly Team

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

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8605 Toqua Rd Unit 106 , Panama City Beach, FL 32408
$192,500
Est. Payment: $1,063.53/mo
2 Bed
3 Bath
1253 Sqft
Status: Active | Days on site: 101
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R1GEC2 - B9281
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Harrison Lilly Team
Owner/Operator

House Description

Beautifully maintained 2-bedroom, 2.5 bath townhome-style condo WITH a private garage in the gated Emerald Park community of Panama City Beach. Designed for comfortable living and effortless entertaining, this home features an open-concept floor plan with the kitchen overlooking the main living area. The kitchen offers granite countertops, ample cabinetry, a breakfast bar, and a pantry for added storage. A convenient half bath on the main level is perfect for guests, while the covered back patio provides a relaxing outdoor retreat. Upstairs, the spacious primary suite includes a walk-in closet, dual granite-topped vanity, and private shower. The second bedroom also features its own en-suite bath with a tub/shower combination, offering privacy and comfort for family or guests. Seller is offering a home warranty for added peace of mind. The HOA covers water, trash, Wi-Fi, and landscaping, making for truly low-maintenance living. Residents of Emerald Park enjoy an impressive collection of resort-style amenities spanning more than 12,000 square feet of thoughtfully designed indoor and outdoor spaces. Community features include a resort pool and sun deck with Jacuzzi, a secondary quiet pool, outdoor lounges, covered loggias with an outdoor kitchen, a private dining room with catering kitchen, a 24/7 fitness center, a 2,500-square-foot co-working center, dog park, clubroom with fireplaces and TVs, coffee bar, game room with pool and ping-pong tables, indoor children's playroom, and additional shaded outdoor gathering areas. Ideally located just minutes from the white-sandy beaches of Panama City Beach, as well as shopping, dining, entertainment, and grocery stores, this property offers the perfect blend of convenience and coastal living. Whether you're looking for a primary residence, vacation home, or investment opportunity, this exceptional property is ready to exceed expectations. All measurements are approximate and should be verified by buyer if important.

Highlights

Listed by Susanne Kuhajda , 850-896-7261 Realty One Group Emerald Coast , 850-238-8338. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

623.66 Monthly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Emerald Park Condominium

Listing ID

791177

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Interior Features

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

Exterior Features

Lot Dimensions:0x0
Roof:Composition,Shingle
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Gated
Principal Interest
$1,064
Taxes
$123
HOA
$624

Home Price

$192,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$38,500
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:
$1,063.53

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,063.53 $122.72 $623.66 $1,809.91
Yearly $12,762.42 $1,472.63 $7,483.92 $21,718.96
Total $382,872.52 $44,178.75 $224,517.60 $651,568.87

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS