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Harrison Lilly Team

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

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7320 S Lagoon Dr , Panama City Beach, FL 32408
$1,278,000
Est. Payment: $7,060.77/mo
4 Bed
3 Bath
2400 Sqft
0.18 Acres
Status: Active | Days on site: 95
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BCRR - B10980
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.
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Harrison Lilly Team
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House Description

Experience Waterfront Living in Panama City Beach with this exquisitely refreshed 4 bedroom, 3 full baths. Located on the Grand Lagoon, which offers deep water access to the Gulf of America and your own private boat dock. Just minutes to the Gulf of America & Shell Island. Private Suite serves as a private waterfront retreat with tranquil water views, direct door access. Home has been completely gutted and placed with new upgrades. Property Highlights Include: Covered Boat House New roof 2026, Boat Lift, Heated Saltwater Pool, New Zoysia Sod with new Irrigation system. 6 Month Builder Warranty starts Day of closing. Termite Bond
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Highlights

Listed by Lori D Breeden , 850-630-5461 CENTURY 21 Ryan Realty Inc , 850-233-7926. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.18

Year Built

1989

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Holiday Beach Unit 15

Listing ID

790896

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Multi Units
Fireplaces:
Other:
  • ▪ Additional:Balcony, Interior Steps, Separate Shower, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot Dimensions:54 x 138
Roof:Composition,Shingle
Others:
  • ▪ Additional:Boat Lift, Covered Patio, Dock
Principal Interest
$7,061
Taxes
$238

Home Price

$1,278,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$255,600
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:
$7,060.77

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,060.77 $238.08 $0.00 $7,298.85
Yearly $84,729.19 $2,857.00 $0.00 $87,586.19
Total $2,541,875.73 $85,710.00 $0.00 $2,627,585.73

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS