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Harrison Lilly

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

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130 Bonnie Ln , Panama City Beach, FL 32407
$295,000
Est. Payment: $1,496.18/mo
3 Bed
2 Bath
1044 Sqft
Status: active | Days on site: 7
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Discover coastal living in this charming 3-bedroom townhome, located in the heart of Gulf Highlands Beach Resort. Skip the elevator waits and enjoy two dedicated parking spaces directly in front of the home for easy loading and unloading. Fully furnished and ready for immediate rental income, this property is ideal as a primary residence, vacation home, or investment. Inside, you'll find a bright, open living area, a breakfast bar leading to the kitchen, a laundry room, and a screened-in lanai. Upstairs features two full-size bedrooms, a bonus room, a full bath, beautiful LVP flooring, and an owner's closet. Recent updates include an opened kitchen with added island, painted cabinetry, fresh upstairs paint, and several shiplap accent walls. Major systems have also been updated, including the HVAC in 2015, roof in 2016, and water heater in 2018. Enjoy Gulf-front dining and drinks at The Beach House Restaurant at Gulf Highlands or unwind in your screened in Lanai--perfect for grilling after a day at the beach. Gulf Highlands Beach Resort is a gated, golf cart-friendly community in the heart of Panama City Beach, close to dining, shopping, attractions, and the area's beautiful beaches. Amenities include 11 saltwater pools, five seasonally heated pools, one Gulf-front pool, dedicated beach access, pickleball and tennis courts, shuffleboard, an 18-hole miniature golf course, a fitness center, and a community clubhouse. With its inviting interior, strong rental potential, and prime location just steps from the sandy beaches and Gulf waters, this property is a must-see beach retreat. All information is approximate and should be verified by the buyer if important.

Highlights

Listed by Laina Dillman , 972-743-9499 Lifes A Beach Real Estate, LLC , 850-249-9111. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.01

HOA Fee

1121.78 Quarterly

Year Built

1985

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Gulf Highlands Beach Resort

Listing ID

794021

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Gas Range, Gas Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Upper Level Primary, Storage

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Others:
  • Additional:Patio, Porch
Sewer:Public Sewer
Parking Features:Parking Lot,Gated
Principal Interest
$1,496
Taxes
$239
HOA
$1,122

Home Price

$295,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$59,000
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:
$1,496.18

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,496.18 $239.26 $1,121.78 $2,857.22
Yearly $17,954.21 $2,871.07 $13,461.36 $34,286.64
Total $538,626.36 $86,132.10 $403,840.80 $1,028,599.26

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