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Harrison Lilly

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

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5312 Thomas Dr , Panama City Beach, FL 32408
$945,000
Est. Payment: $4,792.36/mo
4 Bed
5 Bath
2396 Sqft
Status: active | Days on site: 312
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Luxury 3-Story GULF VIEW BEACH HOME with Heated Saltwater Pool | STR | No HOA | No Flood | Turnkey | Vacation-Lifestyle Ready - PLUS a $10,000 BUYER CREDIT at Closing! HIGH-YIELD INCOME POTENTIAL + TAX BENEFITS SAVINGS for this one or both properties for Sale SIDE-BY-SIDE. Attention Investors, Beach & Pool Lovers! This 3-story Retreat is fully furnished, turnkey, and short-term rental ready with NO HOA or Flood. Just steps from the Emerald Beach, sand, local dining, attractions and Rick Seltzer Park, this property offers a rare blend of luxury living and strong rental potential. Featuring 4 bedrooms including a bonus bunk/wet bar/game room, 3 ensuite baths & 2 half baths, the home comfortably sleeps 14 guests (or up to 29 when purchased with the side-by-side ''sister'' home for sale). Guests will love the multiple balconies with Gulf Views, private heated saltwater pool, outdoor shower, 2 grills, and matching patio & dining sets -- an entertaining masterpiece. Inside, enjoy an open-concept main level with living, dining, kitchen & laundry room featuring stainless appliances, and LVP floors. The primary poolside 1st master bedroom with double vanity en-suite bath and private, large walk-in closet with a twin bunk are on the 1st floor. On the 2nd floor, you'll find 2 bedrooms. The 2nd master with double vanity en-suite bath, private balcony & sitting area and the 3rd bedroom with 2 queens, double vanity en-suite Bath + private balcony await. The 3rd floor offers the 4th, including bonus room & Gulf View balcony, bunks, queen bed, wet bar, and arcade games. With 10' ceilings, LVP & Hardwood floors, Hurricane Windows, Hardie siding, Metal Roof, and parking for 4 vehicles + golf cart, this home was designed for both comfort and durability. Steps from dining, marinas, and attractions--this is a prime investment and luxury retreat in one! An Entertaining & Vacation MASTERPIECE! $$$ INVESTORS $$$ HIGH-YIELD INCOME POTENTIAL for this one or both properties! BONUS: The sister property next door (also for sale) sleeps 15. Together, both homes host 29 guests total, each with identical layouts, pools, and furnishings. Unmatched portfolio or multi-home investor package opportunity! Schedule your showing today! GRI: Rental Revenue for 2024 & 2025 are available upon request.

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

778899

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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),ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Main Level Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:33 x110
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Barbecue, Covered Patio, Deck, Patio, Outdoor Shower
Sewer:Public Sewer
Principal Interest
$4,792
Taxes
$683

Home Price

$945,000

Loan Details

30 yrs
6.528%

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:
$4,792.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,792.36 $682.67 $0.00 $5,475.03
Yearly $57,508.37 $8,192.00 $0.00 $65,700.37
Total $1,725,251.00 $245,760.00 $0.00 $1,971,011.00

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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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