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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 4309 , Panama City Beach, FL 32407
$315,000
Est. Payment: $1,597.62/mo
2 Bed
3 Bath
1325 Sqft
Status: active | Days on site: 34
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This stunning home is a short 1.4-mile golf cart ride to ''The World's Most Beautiful Beaches!'' Welcome home to paradise and true resort-style living at Island Reserve, one of Panama City Beach's most vibrant Caribbean-style communities! You will absolutely love this immaculate and meticulously maintained condo and its pristine community! This spacious, beautifully designed home features two private primary suites, each has its own en-suite bathroom with a tiled walk-in shower, a generous walk-in closet, and direct access to the extra-large balcony. From there, you can overlook a well-manicured, lush tropical courtyard complete with fountains and a pool view. Inside, you'll find a perfect blend of luxury, elegance, sophistication, and comfort. Double French doors in the living room and French doors in each bedroom provide an abundance of natural light and open seamlessly to the balcony. The interior boasts gorgeous granite countertops throughout, warm wood cabinetry, stainless steel appliances, and soaring 10-foot ceilings accented with crown molding. Every detail exudes timeless elegance. This updated home is loaded with over in premium upgrades: HVAC: Brand-new, top-tier HVAC system featuring the latest technology and equipment. Paint: Freshly painted throughout, including all ceilings, walls, trim, and doors. Water Heater: Brand-new water heater. Closets: All wire shelving removed and replaced with custom closet systems. Pantry: Walk-in pantry for added storage with a custom-built shelving system. Fixtures: New ceiling fans, modern lighting fixtures, and all wall/ceiling vents and switch plates replaced. Windows: Elegant plantation shutters throughout. Kitchen: Custom kitchen pull-out drawers. Flooring: All carpet removed and replaced with eco-friendly bamboo flooring and ceramic tile. Bathrooms: Stunning tile shower and custom tile accents installed around the soaking tub, plus custom framed mirrors in both bathrooms. This premier gated beach community is loved for its true resort-style atmosphere and unparalleled amenities: Massive 1-Acre Lagoon-Style Pool: Features a beautiful waterfall and hot tub. Convenient Parking: Drive right up into the covered garage and walk directly to your front door on the same level-no stairs and no waiting for elevators required! (Elevators and stairs are also available in all buildings for your convenience). Community Clubhouse & Game Room: Includes a full kitchen and a dedicated theater room. Active Recreation: Fitness center, indoor basketball court, and pickleball court. Lush Tropical Gardens: Gorgeous landscaped grounds provide an outdoor sanctuary. Socially Active Community: Known for its peaceful atmosphere and an active Social Club that hosts regular community events, live music by the pool, and holiday parties, creating a true neighborhood feel. Peace of Mind: Gated community featuring a security officer, controlled access, security cameras throughout, and perimeter fencing for maximum privacy and safety. Rental Policy: Rental restrictions do not allow rentals less than 6 months, ensuring a quiet, peaceful environment year-round without the holiday tourist turnover. Additional Perks: Golf-cart-friendly community, pet-friendly walking areas, and COA amenity dues that cover water, internet, and everything except electricity. Nestled on the top floor (3rd floor), you will enjoy gorgeous views with the ultimate peace of mind of having no neighbors living above you! Whether you're searching for a full-time residence or a refined coastal escape, this Island Reserve home delivers on every level. Enjoy low-maintenance coastal living near beachside and waterfront dining, shopping at Pier Park, golf courses, and the beach! This condo has the perfect balance of excitement and serenity. You aren't just buying a condo; you are buying an upscale resort lifestyle!

Highlights

Listed by Steven Koleno , 804-656-5007 Beycome of Florida LLC , 804-656-5007. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1963 Quarterly

Year Built

2009

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Island Reserve

Listing ID

792543

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Smart Thermostat

Exterior Features

Lot Dimensions:Common
Sewer:Public Sewer
Principal Interest
$1,598
Taxes
$206
HOA
$1,963

Home Price

$315,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$63,000
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:
$1,597.62

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,597.62 $206.17 $1,963.00 $3,766.79
Yearly $19,171.45 $2,474.00 $23,556.00 $45,201.45
Total $575,143.40 $74,220.00 $706,680.00 $1,356,043.40

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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