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Harrison Lilly Team

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

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7412 Thomas Dr , Panama City Beach, FL 32408
$850,000
Est. Payment: $4,696.13/mo
3 Bed
4 Bath
2375 Sqft
0.07 Acres
Status: Active | Days on site: 16
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BLCK - B6002,B12525
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Harrison Lilly Team
Owner/Operator

House Description

** Open House Sept 13th 3pm-5pm** Gulf View! Three-Story Beach Home with Private Pool. This home is situated directly across from Rick Seltzer Park, which provides easy public beach access and helps preserve the home's Gulf views. This 3 bedroom, 3.5 bath home offers an open, flexible floor plan that works well as a primary residence, second home, or income-producing vacation rental and could comfortably accommodate 8 to 12 guests. The main living area offers an open-concept living, dining, and kitchen space featuring a natural gas fireplace, 11-foot ceilings, crown molding, recessed lighting, and tile flooring. The kitchen features stainless steel appliances, granite countertops, a large island breakfast bar, solid wood cabinetry with roll-out shelves, and a pantry. Toward the rear of the main level, you'll find a bedroom with a large walk-in closet. The laundry room provides additional storage and is equipped with a stackable washer and dryer. A full bathroom on this level features granite countertop and a tub/shower combination. The second floor offers the primary suite with a spacious private balcony, walk-in closet, built-in desk, and an ensuite bath featuring granite countertops, a jetted soaking tub, and a glass-enclosed tile walk-in shower. In addition, there is a secondary suite on this level, which also includes a built-in desk and shelving, a walk-in closet, and a private bathroom with granite countertop and a tub/shower combination. The third floor provides an additional living and entertainment area with vaulted ceilings, a wet bar, and a half bath. This versatile space is ideal for entertaining, relaxing, or providing additional sleeping accommodations. Step outside onto the spacious 18' x 24' sun deck and enjoy wonderful views overlooking the park, beach, and Gulf. The backyard is fully enclosed with vinyl fencing and features a heated in-ground pool. Recent updates include the pool being resurfaced in 2021, composite decking replaced in 2023, and two HVAC systems replaced in December 2021 and September 2023. The tankless water heater was replaced in June 2020. ** NO HOA** Enjoy the convenience of being within walking distance of public beach access while staying close to shopping, dining, entertainment, and some of the Emerald Coast's most popular destinations. Outdoor enthusiasts will love the endless recreational opportunities nearby, including biking, golfing, boating, fishing, and unforgettable sunset strolls along the beach. Take in the natural beauty and relaxed coastal atmosphere that make this area so desirable. Whether you're searching for a primary residence, a vacation getaway, or an income-producing investment property, this coastal gem offers an exceptional opportunity to enjoy the Florida beach lifestyle. Schedule your private showing today and start living the beach lifestyle you've been dreaming of!

Highlights

Listed by Adam Drysdale , 850-832-2316 and Amanda Pitts , 850-818-2349 St Andrew Shores Realty Serv , 850-763-0320. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.07

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Holiday Beach Unit 16

Listing ID

794779

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Washer/Dryer Stacked, Gas Range, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump,Multi Units
Fireplaces:Gas
Other:
  • ▪ Additional:Balcony, Interior Steps, Jetted Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:25x120
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Deck, Patio
Sewer:Public Sewer
Parking Features:Gravel
Principal Interest
$4,696
Taxes
$542

Home Price

$850,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$170,000
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:
$4,696.13

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,696.13 $541.88 $0.00 $5,238.00
Yearly $56,353.53 $6,502.50 $0.00 $62,856.03
Total $1,690,605.92 $195,075.00 $0.00 $1,885,680.92

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