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Harrison Lilly

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

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627 Laurel St , Panama City Beach, FL 32407
$335,000
Est. Payment: $1,699.06/mo
2 Bed
2 Bath
972 Sqft
Status: active | Days on site: 308
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Investor's Dream - Fully Renovated, Steps from the Beach! Welcome to 627 Laurel Street, where thoughtful renovations meets unbeatable charm tucked away in the short-term friendly area of Panama City Beach. This beautifully updated 2-bedroom, 2-bath townhome offers more than just a place to stay; it's a ready-made investment, a low-maintenance second home, or the ultimate beach retreat just steps from the Gulf. With beach access across the street, you'll be dipping your toes in the sugar-white sand and emerald waters within minutes of leaving your front door. Inside, nearly every inch of this home has been upgraded. The kitchen boasts granite countertops, a marble backsplash, modern cabinetry with pullouts, and newer appliances including a refrigerator (2024), microwave (2025), and stove (2023). The open living and dining areas feature LVP floors, crown molding, and abundant natural light, while thoughtful touches like barn doors, tiled baths, and updated light fixtures elevate the style. Both bathrooms have been beautifully refreshed with new sinks, tile work, and even a full shower addition downstairs for convenience. The improvements extend far beyond aesthetics. Big-ticket items are already taken care of; new HVAC (2020), roof (2022), tankless water heater (2019), and impact-rated windows (2022) ensure years of low-maintenance ownership. Safety and compliance are also built-in with storm shutters, solar cameras, CO/smoke detectors, emergency lighting, and fire extinguishers, giving peace of mind for absentee owners and guests alike. Even utilities and costs are easy on the budget, with average monthly expenses around $150 for power, gas, and water combined, plus a low HOA of $150 per month. Step outside and enjoy the upper deck with or relax on the private patio with a new back door for easy access. Storage has been maximized with custom closet features, under-stair compartments, and extra cabinetry throughout. Whether you're hosting family, welcoming rental guests, or simply enjoying a quiet beachside retreat, this property adapts to your needs with comfort and ease. The location is the icing on the cake... In the heart of Panama City Beach, you're close to Pier Park, shopping, dining, and entertainment, world-class fishing and boating, and all the excitement that draws millions of visitors here each year. For investors, that means strong rental demand. For second-home buyers, it means your vacation escape is also in one of the most desirable destinations on the Gulf Coast. With all major upgrades complete and the beach at your doorstep, 627 Laurel Street is the definition of turnkey. Whether you're seeking a savvy investment, a stress-free second home, or simply a personal slice of paradise, this townhome delivers it all. Come check out this opportunity for yourself and take advantage of investing in the booming tourism of PCB!

Highlights

Listed by The Shields Group , 850-276-1030 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

150 Monthly

Year Built

1985

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Holiday Point

Listing ID

786866

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Tub Shower, Upper Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:51 x 21
Zoning:Resid Single Family
Roof:Shingle
Sewer:Public Sewer
Principal Interest
$1,699
Taxes
$211
HOA
$150

Home Price

$335,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$67,000
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:
$1,699.06

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,699.06 $211.42 $150.00 $2,060.47
Yearly $20,388.68 $2,537.00 $1,800.00 $24,725.68
Total $611,660.45 $76,110.00 $54,000.00 $741,770.45

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