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Harrison Lilly

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

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117 Cindy Ln , Panama City Beach, FL 32407
$244,900
Est. Payment: $1,242.09/mo
2 Bed
2 Bath
972 Sqft
Status: active | Days on site: 156
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Very motivated seller! HUGE PRICE DROP. LOWEST PRICE. Beach Life, Rental Income & Incredible Value -- All in One! Fully furnished and truly rental-ready, this beautifully maintained unit is just a 5-minute walk to the beach, offering the perfect blend of comfort, convenience, and coastal charm. With two assigned parking spaces right at your door, everyday convenience comes easy. Major updates include a tankless water heater and a new HVAC system installed at the end of 2024, providing peace of mind and long-term value. Exceptionally cared for, this property presents a rare opportunity to own a move-in-ready beach retreat in one of Panama City Beach's most sought-after communities. Low HOA fees include an impressive array of amenities: 11 pools (5 heated), pickleball courts, shuffleboard, tennis courts, mini golf, fitness center, playground, waterfront restaurant and pool, Wi-Fi, pest control, termite bond, trash service, grounds maintenance, property patrol, gated entry, and more.

Highlights

Listed by Denis Rakov , 850-319-7412 Beachy Beach Real Estate , 850-233-4351. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1122.14 Quarterly

Year Built

1985

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Gulf Highlands Beach Resort

Listing ID

786590

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Other:
  • Additional:Upper Level Primary

Exterior Features

Lot Dimensions:18x82
Principal Interest
$1,242
Taxes
$156
HOA
$1,122

Home Price

$244,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$48,980
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:
$1,242.09

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,242.09 $156.12 $1,122.14 $2,520.35
Yearly $14,905.04 $1,873.49 $13,465.68 $30,244.20
Total $447,151.17 $56,204.55 $403,970.40 $907,326.12

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