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Harrison Lilly

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

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8700 Front Beach Rd Unit 1302 , Panama City Beach, FL 32407
$290,000
Est. Payment: $1,470.83/mo
2 Bed
3 Bath
1325 Sqft
Status: active | Days on site: 115
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Unit 1302 at Island Reserve, a beautifully updated courtyard facing end unit in this gated, resort-style community in the heart of Panama City Beach. Perfectly positioned on the third floor, this 2 bedroom, 2.5 bath condo offers one of the most desirable views in the community, overlooking the lush, landscaped courtyard known for its peaceful, private setting. As an end unit located just steps from the parking garage, convenience is unmatched. Recent community upgrades include brand new exterior paint and a newly covered balcony, and HOA dues now include internet, adding even more value. Priced to sell and offering location, privacy, and ease, this is a standout opportunity at Island Reserve. Inside, you'll find new luxury vinyl plank flooring throughout along with a newly installed walk-in tub for added comfort and accessibility. Both bedrooms are spacious private suites with their own private bathrooms and walk-in closets. Additional highlights include a full-size washer and dryer, new energy efficient HVAC and water heater installed in 2022, and convenient access from the attached parking garage. The unit is being sold unfurnished, offering a blank canvas to make it your own. Residents enjoy resort style amenities including a zero entry pool with waterfalls, hot tub, fitness center, basketball and pickleball courts, game room, and private theater. The pet-friendly community allows up to two pets under 40 lbs and is just a short golf cart ride to the beach, shopping, dining, and entertainment. With short term rentals not permitted, this condo is ideal for full time living or a long term investment opportunity.

Highlights

Listed by Kerri C Tomasicyk , 414-915-7556 Watersound Real Estate , 850-231-6531. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Island Reserve

Listing ID

784956

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Jetted Tub, Main Level Primary, Separate Shower, Walk-In Closet(s), Home Theater

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Roof:Shingle
Sewer:Public Sewer
Parking Features:Additional Parking,Gated
Principal Interest
$1,471
Taxes
$256
HOA
$0

Home Price

$290,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$58,000
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:
$1,470.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,470.83 $255.83 $0.00 $1,726.66
Yearly $17,649.90 $3,070.00 $0.00 $20,719.90
Total $529,497.10 $92,100.00 $0.00 $621,597.10

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

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