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Harrison Lilly Team

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
$309,900
Est. Payment: $1,712.15/mo
2 Bed
3 Bath
1325 Sqft
Status: Active | Days on site: 74
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Harrison Lilly Team
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 beautifully 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 premium upgrades: - Brand new Top Tier HVAC system with all the latest technology and equipment - Freshly painted throughout including ceilings, walls, trim, and doors. - Brand new water heater - All wire shelving removed and custom closets installed - Walk-in pantry for added storage with custom built closet system - New fans and lighting - All wall ceiling vents and switch plates replaced - Elegant Plantation shutters throughout - Custom kitchen pull-out drawers - All carpet removed and replaced with bamboo flooring and ceramic tile - Stunning tile shower and tile accents installed around the soaking tub - Custom framed mirrors in both bath areas This premier gated beach community is loved for its true resort-style atmosphere and unparalleled Amenities! - Stunning and massive 1-acre Lagoon Style Pool featuring two waterfalls and outdoor hot tub. - Covered 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, Fitness center, indoor basketball and pickleball court. - Lush tropical landscaping gardens and water fountains that provide an outdoor sanctuary and make everyday life feel a little more like you're on vacation! - Vibrant and 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. - This gated community offers residents true peace of mind with a security officer, controlled access, security cameras throughout community, and perimeter fencing to ensure privacy and safety in a resort-style environment. - Golf Cart Community - Pet-friendly walking areas and pet stations - Short-term rentals are not allowed, ensuring a quiet and peaceful environment year-round without the chaos of vacation rentals COA/HOA Inclusions: - Water - Sewer - Fiber Internet - Trash - Grounds/landscaping - Amenity maintenance - Clubhouse/community facilities - Exterior maintenance and repairs - Pest control in common/shared areas - Security - Master Insurance Policy, hazard, windstorm, exterior structure, and property insurance. While the master insurance covers the exterior and core structure, unit owners must still carry an HO-6 insurance policy to cover interior finishings, personal property, and individual liability. - Flood policy for each building - Maintenance/management-related expenses - Reserves/reserve funds 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 fo 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
$1,712
Taxes
$206
HOA
$1,963

Home Price

$309,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$61,980
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:
$1,712.15

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,712.15 $206.17 $1,963.00 $3,881.32
Yearly $20,545.83 $2,474.00 $23,556.00 $46,575.83
Total $616,375.03 $74,220.00 $706,680.00 $1,397,275.03

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: 2026-10-07T03:46:57.000Z

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