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Harrison Lilly Team

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

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22520 Hilltop Ave , Panama City Beach, FL 32413
$620,000
Est. Payment: $3,425.41/mo
3 Bed
2 Bath
1261 Sqft
0.11 Acres
Status: Active | Days on site: 1
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Harrison Lilly Team
Owner/Operator

House Description

This charming property offers the perfect blend of coastal living and everyday convenience. Located just minutes from the sugar-white sands of the Gulf Coast, this home provides easy access to beaches, dining, shopping, entertainment, and outdoor recreation. With a 2-minute drive or an 8-minute walk to beach access #95 makes this location perfect. Step inside to discover a comfortable and inviting layout designed for both relaxation and entertaining. The spacious living areas flow seamlessly, creating a warm and welcoming atmosphere for family and guests alike. The property offers plenty of potential for a primary residence, vacation home, or investment opportunity. Enjoy the Florida lifestyle with ample outdoor space perfect for grilling, gardening, or simply unwinding after a day at the beach. Conveniently situated near Pier Park, Frank Brown Park, and the area's top attractions, this location combines the tranquility of a residential setting with the excitement of Panama City Beach living. Whether you're searching for your forever home, a coastal getaway, or an income-producing property, 22520 Hilltop Avenue is a fantastic opportunity to own a piece of paradise in one of Florida's most desirable beach communities.

Highlights

Listed by Rebecca Skipper , 850-960-8066 Counts Real Estate Group , 850-248-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.11

Year Built

2016

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Inlet Beach Heights

Listing ID

792599

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:52.0 ft x 100.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Covered Patio
Sewer:Public Sewer
Principal Interest
$3,425
Taxes
$585

Home Price

$620,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$124,000
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:
$3,425.41

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,425.41 $585.31 $0.00 $4,010.72
Yearly $41,104.93 $7,023.73 $0.00 $48,128.66
Total $1,233,147.85 $210,711.90 $0.00 $1,443,859.75

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: 2026-10-07T02:14:18.000Z

© 2026 Bay County Association of REALTORS