Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

6504 Bridge Water Way Unit 601 , Panama City Beach, FL 32407
$599,998
Est. Payment: $3,314.90/mo
3 Bed
3 Bath
2022 Sqft
Status: Active | Days on site: 12
Get Pre-Qualified
BPOF - BD323
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

At Hibiscus by the Bay, the water isn't simply the view -- it is part of the lifestyle. With a private marina on site and the Gulf just minutes away by boat, the community offers a rare combination of waterfront living and easy access to the open water. This 3BR/2.5BA end unit adds an especially impressive vantage point, with more than 2,000 square feet, 180-degree panoramic bay views, and an oversized balcony that makes the most of the setting. The owners live here only part of the year, when they're in town, and the condo has been kept in excellent condition throughout. Inside, natural light comes in from two directions. In the main living area, sliding glass doors open directly to the balcony, while additional windows along the adjoining wall create an expansive view of the bay and keep the space bright throughout the day. A fireplace anchors the living room, adding warmth to a space that already has plenty of visual impact. Tile flooring runs throughout the condo, offering an easy-to-maintain surface from the entry through the main living areas and bedrooms. The kitchen is designed for both everyday use and entertaining, with stainless steel appliances, serpentine stone countertops, and a breakfast bar. Just off the kitchen, a separate bar area with a beverage ice machine and wine cooler gives you another convenient place to serve drinks or keep everything organized when guests are over. The primary suite features a tray ceiling, oversized walk-in closet, sliding glass doors that open to the balcony, and an ensuite bath with double vanities, granite countertops, and an exceptionally large walk-in shower. The second full bathroom also features a spacious walk-in shower. A separate laundry room provides additional storage along with the washer and dryer. Both sets of living-area sliding glass doors were replaced approximately one year ago with hurricane-resistant doors, and the condo was painted approximately four years ago. The furniture and TVs, all approximately two years old, are included, making the condo exceptionally easy to enjoy from day one. The owners are also leaving extra kitchen light bulbs, refrigerator filters, several new furnace filters, and an unopened five-gallon bucket of the interior paint for future touch-ups. Hibiscus by the Bay extends the waterfront lifestyle well beyond your front door. In addition to the private marina, the community features a waterfront boardwalk, 500-foot fishing pier, large outdoor pool and hot tub, tennis and pickleball courts, fitness center, library, community room, BBQ areas, private owners' lounge, and gated security. Beautifully maintained grounds give the community a peaceful residential feel, while the no-short-term-rental policy helps preserve that atmosphere and limits the frequent turnover found in many resort communities. Hibiscus is pet-friendly and close to St. Andrews State Park, the beaches, dining, shopping, and everything Panama City Beach has to offer. The community has also undergone substantial improvements following the hurricane, including extensive work to exterior areas throughout the complex, with balcony and exterior walkway flooring among the improvements. The Structural Integrity Study has been completed, and the HOA maintains strong reserves with the community's required reserves funded. The monthly association fee includes water, trash, and cable. Boat slips and garages are available for purchase separately, giving owners the opportunity to make the boating lifestyle even more convenient. See the views, tour the unit, and experience Hibiscus by the Bay firsthand -- schedule your private showing.

Highlights

Listed by Craig Duran , 850-290-0417 Berkshire Hathaway HomeServices Beach Properties of Florida , 850-252-4160. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3132.88 Quarterly

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Hibiscus By The Bay

Listing ID

795859

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Coffered Ceiling(s), Double Vanity, Main Level Primary

Exterior Features

Lot Dimensions:Condo
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$3,315
Taxes
$431
HOA
$3,133

Home Price

$599,998

Loan Details

30 yrs
7.374%

Down Payment

20%
$120,000
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:
$3,314.90

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,314.90 $430.51 $3,132.88 $6,878.29
Yearly $39,778.83 $5,166.10 $37,594.56 $82,539.49
Total $1,193,364.91 $154,983.00 $1,127,836.80 $2,476,184.71

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS