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Harrison Lilly

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

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515 Pinetree Dr , Panama City Beach, FL 32413
$515,000
Est. Payment: $2,611.98/mo
4 Bed
2 Bath
1748 Sqft
Status: active | Days on site: 48
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Brand-New Construction | No HOA | STR-Friendly | Minutes to the Beach! Welcome to 515 Pinetree Drive, a beautifully crafted new construction home completed in 2025, offering the perfect blend of modern coastal design, functionality, and investment potential. Whether you're searching for a primary residence, second home, or income-producing vacation rental, this 4-bedroom, 2-bath home checks all the boxes. Step inside to discover 1,750 square feet of thoughtfully designed living space featuring soaring 8-foot interior doors, luxury wide-plank flooring, recessed lighting, and an open-concept floor plan ideal for entertaining and everyday living. The chef-inspired kitchen is the centerpiece of the home, showcasing a large quartz island, striking two-tone cabinetry, stainless steel appliances, designer tile backsplash, and elegant pendant lighting. The spacious living and dining areas flow seamlessly to the covered rear patio, creating the perfect indoor-outdoor lifestyle. The private primary suite offers a spa-like retreat with quartz countertops, designer fixtures, dual vanities, and a luxurious walk-in shower with frameless glass enclosure. Three additional bedrooms provide flexibility for guests, family, or a home office. Outside, enjoy a fully privacy-fenced backyard with plenty of room for pets, entertaining, or future outdoor enhancements. Located just minutes from the white sugar-sand beaches of Panama City Beach, Pier Park, Frank Brown Park, shopping, dining, and entertainment, this move-in-ready home offers the rare opportunity to own a low-maintenance property in one of the area's most desirable short-term rental corridors. Whether you're looking to generate vacation rental income or simply enjoy the Florida beach lifestyle, 515 Pinetree Drive delivers exceptional value, style, and flexibility.

Highlights

Listed by Melissa A Haworth , 469-658-2869 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.12

Year Built

2025

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Inlet Beach Heights

Listing ID

792199

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:50.0 ft x 105.0 ft
Zoning:Resid Single Family
Roof:Asphalt,Composition,Shingle
Principal Interest
$2,612
Taxes
$328

Home Price

$515,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$103,000
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:
$2,611.98

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,611.98 $328.31 $0.00 $2,940.30
Yearly $31,343.79 $3,939.75 $0.00 $35,283.54
Total $940,313.82 $118,192.50 $0.00 $1,058,506.32

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