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Harrison Lilly

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

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5310 Thomas Dr , Panama City Beach, FL 32408
$945,000
Est. Payment: $4,792.86/mo
4 Bed
5 Bath
2396 Sqft
Status: active | Days on site: 308
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Luxury 3-Story GULF VIEW BEACH HOME with Heated Saltwater Pool - PLUS a $10,000 Buyer Credit at Closing! Turnkey STR | Short-Term Rentals allowed | NO HOA | NO Flood Zone | Prime Location Attention Investors, Families & Beach Lovers! Just two blocks from the sugar-white sands of Emerald Beach and Rick Seltzer Park, this 3-story coastal beauty blends luxury, comfort, and high rental potential into the perfect beachside escape. With no HOA, no Flood zone, and full turnkey furnishings, this home is a rare find designed for both lifestyle enjoyment and income generation. PROPERTY HIGHLIGHTS: • 4 Bedrooms + Bonus/Game/Bunk Room | Sleeps 15 (or 29 w/ sister home next door also for sale) • 3 Ensuite Baths + 2 Half Baths • Private Heated Saltwater Pool (with optional heating) + Tropical Outdoor Oasis • Multiple Balconies with Gulf Views • Open-Concept Main Floor with 10' Ceilings, Crown Molding & LVP Floors • Chef's Kitchen with Stainless Appliances & Seating for 10-12 • Parking for 4 Vehicles + Golf Cart Friendly • Hurricane Windows, Hardie Siding & Metal Roof for lasting durability First Floor: - Primary Poolside Master Suite w/ King Bed, Twin Bunk Nook, Double Vanity Ensuite & Direct Pool Access - Bonus Bunk/Closet Room with Mounted TV - Spacious Living Room & Dining for 8+ (extra bar seating) - Chef's Kitchen - Laundry Room | Guest Half Bath Second Floor: - 2nd Master Suite w/ King + Queen + Single Nook, Private Balcony & Ensuite - Bedroom 3: Two Queens + Ensuite Bath + Gulf View Balcony Third Floor: - Bedroom 4 & Bonus Game Room: Bunks, Twin, Queen Bed, Wet Bar, Smart TV, Arcade Games - Private Gulf View Balcony + Half Bath WHY YOU'LL LOVE IT: -Steps to Beach Access #7 - walk to sand, surf, dining & attractions. -Relax in your heated saltwater pool oasis w/ gas grill & matching patio sets. -Entertain on multiple balconies with sparkling Gulf Views. STR Rental Revenue and GRI Actuals for 2024 & 2025 are available upon request. High-yield income opportunity! SLEEPS 15 -- Purchase alone or as part of a 2-home portfolio package (sleeps 29 combined) A True Coastal Masterpiece! Whether you're seeking a personal beach retreat, a vacation rental powerhouse, or a multi-home investment portfolio, this property delivers. Relaxed, roomy, stylish, and vacation-lifestyle ready -- all just two blocks from the Emerald Coast. Luxury. Location. Lifestyle. This one has it ALL!
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Highlights

Listed by Shelly M Callaway , 850-532-9332 CENTURY 21 Ryan Realty Inc , 850-233-7926. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.08

Year Built

2006

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Gulf Lagoon Beach

Listing ID

779080

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Main Level Primary, Separate Shower, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:110 x 33
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Covered Patio, Deck, Patio
Sewer:Public Sewer
Principal Interest
$4,793
Taxes
$671

Home Price

$945,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$189,000
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:
$4,792.86

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,792.86 $671.26 $0.00 $5,464.12
Yearly $57,514.34 $8,055.14 $0.00 $65,569.48
Total $1,725,430.21 $241,654.20 $0.00 $1,967,084.41

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