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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 6105 , Panama City Beach, FL 32407
$298,000
Est. Payment: $1,511.40/mo
2 Bed
3 Bath
1325 Sqft
Status: active | Days on site: 99
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare First-Floor Condo with XL Patio at Island Reserve! Welcome to resort-style living at Island Reserve, one of Panama City Beach's most sought-after Caribbean-style communities! Rarely do the highly desirable first-floor units with oversized patios become available--and this beautifully updated, move-in-ready residence is loaded with upgrades you won't find in other units. This spacious condo features two private primary suites, each offering its own en-suite bathroom, walk-in closet, and direct access to the expansive patio--perfect for guests, roommates, or a luxurious vacation retreat. Inside, you'll find an elegant blend of comfort and style with: New flooring in the main living areas, new plush carpet in the bedrooms, beautiful tile flooring in the kitchen, foyer, and baths, gorgeous granite countertops throughout, new stainless steel appliances, new washer & dryer plus bonus freezer, plantation shutters, custom-built pantry for added storage, additional shelving throughout, 10-foot ceilings with crown molding, updated fixtures, and a brand-new water heater. Double French doors open to your incredible XL private patio, creating the ideal indoor-outdoor living experience. Whether you're enjoying your morning coffee, relaxing with a book, grilling with friends, or unwinding with an evening cocktail, this outdoor space is truly exceptional. A new non-skid patio coating adds both safety and style. Location is everything--and this unit delivers. Conveniently located just steps from the covered parking garage, you can walk directly to your front door with no stairs and no waiting for elevators. Residents of Island Reserve enjoy outstanding resort-style amenities including: Zero-entry tropical pool with waterfall, indoor basketball & pickleball court, fitness center, game room, and beautifully landscaped grounds. Centrally located, you'll also enjoy easy access to shopping, dining, entertainment, fishing, golf, and the World's Most Beautiful Beaches. Rare first-floor opportunities like this don't last long--call today for more information or to schedule your private tour!

Highlights

Listed by Eva M Mullins , 850-527-3269 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

750 Monthly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Island Reserve

Listing ID

789676

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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:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:0x0
Others:
  • Additional:Patio
Sewer:Public Sewer
Parking Features:Paved
Principal Interest
$1,511
Taxes
$215
HOA
$750

Home Price

$298,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$59,600
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:
$1,511.40

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,511.40 $215.33 $750.00 $2,476.73
Yearly $18,136.80 $2,584.00 $9,000.00 $29,720.80
Total $544,103.92 $77,520.00 $270,000.00 $891,623.92

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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