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Harrison Lilly

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

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431 Hidden Island Dr , Panama City Beach, FL 32408
$479,000
Est. Payment: $2,429.40/mo
3 Bed
2 Bath
1948 Sqft
Status: active with contingency | Days on site: 41
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS, Welcome home to this beautifully maintained 3-bedroom, 2-bathroom pool home tucked away on a quiet dead-end street in a desirable neighborhood with NO HOA. Ideally located just minutes from shopping, dining, the Navy base, and the stunning beaches of the Gulf of America, this home offers the perfect blend of comfort, convenience, and coastal living. Step inside to discover a thoughtfully designed split floor plan that provides privacy for the spacious primary suite while keeping the guest bedrooms on the opposite side of the home. The remodeled primary bathroom features a gorgeous new over sized walk-in shower, creating a relaxing retreat at the end of the day. The kitchen has been tastefully updated with beautiful countertops, newer appliances (2023 & 2024), and an incredible gourmet gas range that will impress any home chef. Plantation shutters add timeless style throughout, while durable ceramic porcelain tile flows through most of the home. Out back, your private oasis awaits. Enjoy the screened-in pool, perfect for entertaining, relaxing, or hosting summer cookouts. The owners have invested in major pool system upgrades, including a new pool filter, pump, and control panel in 2023, along with a new salt cell installed in 2026 for added peace of mind. The backyard has been enhanced with low-maintenance turf, attractive hardscaping, and raised garden beds equipped with a drip irrigation system for easy gardening. A custom-built 8-foot privacy fence along the back of the yard, constructed with heavy-duty 6x6 posts, great for privacy. Two storage sheds (8' x 12' and 4.5' x 6.5') provide plenty of space for tools, gardening supplies, and outdoor equipment. Additional features include extra parking for your boat, hurricane shutters on all exterior openings, a generator-ready electrical hookup that has been pre-wired for easy generator connection during power outages, and the pride of ownership that shines throughout this meticulously maintained home. If you've been searching for a move-in ready home with exceptional updates, outdoor living, and an unbeatable central location close to everything the Gulf Coast has to offer, this is one you won't want to miss!

Highlights

Listed by Ida Hargaray , 850-481-2438 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.23

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Hidden Pines Phase VII

Listing ID

792064

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Water Heater, Gas Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Shower Only, Walk-In Closet(s), Entrance Foyer, Workshop

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:75x123x95x120
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Patio
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Paved
Principal Interest
$2,429
Taxes
$305

Home Price

$479,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$95,800
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:
$2,429.40

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,429.40 $305.36 $0.00 $2,734.76
Yearly $29,152.77 $3,664.35 $0.00 $32,817.12
Total $874,583.14 $109,930.50 $0.00 $984,513.64

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