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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 7107 , Panama City Beach, FL 32407
$269,900
Est. Payment: $1,368.88/mo
2 Bed
3 Bath
1325 Sqft
Status: active | Days on site: 97
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Set within the gated grounds of Island Reserve, this first-floor residence offers an easygoing take on coastal living with the kind of convenience that is hard to overstate. Positioned just off the parking garage, the condo makes everyday arrivals refreshingly simple, whether unloading groceries, bringing in beach gear or pulling up just outside the patio from the interior road. Inside, 10-foot ceilings, crown molding and a thoughtful split-bedroom layout give the home an airy, comfortable feel suited to both entertaining and quiet retreat. The kitchen is designed for gathering, featuring stainless steel appliances, undercabinet lighting, abundant cabinetry and a generous island bar that anchors the main living space. Recent updates add further appeal, including HVAC replacement in November 2024, a water heater installed two years ago, newer vinyl plank flooring throughout with no carpet, fresh paint and updated vents and light bulbs throughout. Additional recent improvements include a new toilet in the primary bath, professional shower recaulking and cleaning, regrouted kitchen flooring and a deep cleaning that extended to blinds and baseboards. Both bedroom suites offer walk-in closets and direct patio access, creating a rare sense of privacy and connection to the outdoors. One bath includes a soaking tub and separate shower, while the second features a standalone shower. The spacious patio is framed by a colorful mix of shrubs and flowers, offering a more secluded setting for relaxing or sunbathing. Building 7 enjoys a particularly convenient location next to the amenities building and just moments from the community's lagoon-style pool, complete with waterfalls, a hot tub and splash pad. Owners also enjoy access to a modern fitness center, pickleball and basketball court, theater room, pool table and community gathering spaces, along with beautifully landscaped courtyards accented by lighted fountains. HOA dues include pest control and yard maintenance, adding to the ease of ownership. Less than two miles from the beach and close to restaurants, shopping and medical facilities, this golf cart-friendly residence also benefits from a lively social calendar and the added advantage of no short-term rentals. Move in, relax and enjoy.

Highlights

Listed by Marc A Miller , 850-890-3432 Scenic Sotheby's International Realty , 850-231-6052. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2166.52 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Island Reserve

Listing ID

789468

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 Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s), Home Theater

Exterior Features

Lot Dimensions:0x0
Others:
  • Additional:Patio
Sewer:Public Sewer
Principal Interest
$1,369
Taxes
$246
HOA
$2,167

Home Price

$269,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$53,980
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:
$1,368.88

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,368.88 $245.63 $2,166.52 $3,781.04
Yearly $16,426.58 $2,947.60 $25,998.24 $45,372.42
Total $492,797.48 $88,428.00 $779,947.20 $1,361,172.68

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

© 2026 Bay County Association of REALTORS