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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 6108 , Panama City Beach, FL 32407
$277,000
Est. Payment: $1,530.39/mo
2 Bed
3 Bath
1325 Sqft
Status: Active | Days on site: 298
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BSA2 - B0820
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

BRAND NEW HVAC SYSTEM INSTALLED JUNE, 2026. Water heater 2019. Ground floor COURTYARAD-FACING unit steps to the pool and covered parking. Island Reserve is a gated community located in the heart of Panama City Beach. This 2BR/2.5BA unit offers two spacious ensuite primary bedrooms overlooking the lush courtyard and waterfall. 10' ceilings, crown molding, plantation shutters, walk-in closets plus soaking tub. Granite countertops, stainless appliances, designer backsplash too. Island Reserve is a lovely gated community with lush landscaping, lagoon-style pool, hot tub, indoor basketball, pickleball, gym, theatre room, and game room with pool tables. Call today for your private showing! 5 minutes to the beach, fine restaurants, attractions, a short drive to Grand Lagoon, the state park and Shell Island!
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Highlights

Listed by Cheryl A Wright , 850-238-6082 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2017.75 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Island Reserve

Listing ID

780699

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 Cooktop, Electric Oven, 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), Home Theater

Exterior Features

Lot Dimensions:NO LAND
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:Additional Parking,Electric Gate,Paved,Community Structure
Principal Interest
$1,530
Taxes
$263
HOA
$2,018

Home Price

$277,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$55,400
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:
$1,530.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,530.39 $263.33 $2,017.75 $3,811.47
Yearly $18,364.62 $3,160.00 $24,213.00 $45,737.62
Total $550,938.64 $94,800.00 $726,390.00 $1,372,128.64

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS