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Harrison Lilly Team

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

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4123 Nancee Dr , Panama City Beach, FL 32408
$1,599,000
Est. Payment: $8,834.24/mo
4 Bed
3 Bath
3643 Sqft
0.08 Acres
Status: Active | Days on site: 19
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Harrison Lilly Team
Owner/Operator

House Description

Who doesn't want to stay in a castle by the sea? This professionally designed short-term rental is already generating over $175,000 annually in 2025-- with room to grow -- and delivers exactly the kind of unforgettable coastal experience that keeps guests coming back. Beautifully refreshed with stylish furnishings, vibrant accents, and thoughtfully curated décor, this fully furnished beach home sits just steps from sugar-white sand and emerald Gulf waters. This spacious three-story residence offers 4 bedrooms, 3 bathrooms, approximately 3,643 square feet, plus a bonus loft -- ideal for entertaining and hosting large groups. Newly styled interiors showcase a sophisticated coastal aesthetic with inviting living spaces, pops of color, contemporary finishes, and two full kitchens for added convenience. Take in breathtaking Gulf views from multiple balconies and the rooftop terrace, or unwind in the outdoor entertaining area with a covered lounge, dining space, and room for games and gatherings. Private beach access means reaching the sand without crossing a public road. Tucked at the end of a quiet, no-through-traffic street, the property balances privacy with convenience, minutes from popular restaurants, shopping, and entertainment. Short-term rentals are permitted, making this a rare opportunity for investors seeking a beautifully furnished, income-producing vacation rental -- or buyers wanting a stunning personal coastal escape. With designer-inspired décor, generous accommodations, spectacular Gulf views, and exceptional beach access, Castle by the Sea is ready to make a lasting impression.

Highlights

Listed by Joseph Rohne , 636-236-2191 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.08

HOA Fee

400 Annually

Year Built

1998

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Holiday Beach On The Gulf

Listing ID

795574

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot:Cul-De-Sac
Lot Dimensions:50.0 ft x 75.0 ft
Roof:Metal
Others:
  • ▪ Additional:Barbecue, Deck, Patio, Outdoor Shower
Principal Interest
$8,834
Taxes
$1,135
HOA
$400

Home Price

$1,599,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$319,800
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:
$8,834.24

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $8,834.24 $1,134.78 $400.00 $10,369.03
Yearly $106,010.94 $13,617.40 $4,800.00 $124,428.34
Total $3,180,328.09 $408,522.00 $144,000.00 $3,732,850.09

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS