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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 7207 , Panama City Beach, FL 32407
$280,000
Est. Payment: $1,420.11/mo
2 Bed
3 Bath
1325 Sqft
Status: active | Days on site: 27
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

**WOW**- $5,000 BUYER CREDIT AT CLOSING for a full price offer! This Island Reserve condo has an open concept with a split floor plan boasting 2 master suites plus an additional half bath, beautiful finishes, granite countertops and stainless steel appliances. Upgrades include new living area flooring (July, 2026), soft-close cabinets, tinted windows to keep the unit cooler, custom wood closet shelves, ''never used'' dishwasher, new washer/dryer and between glass window blinds. Park your car and your golf-cart in the covered parking garage - no stairs or elevators - and take a short 1.2-mile golf-cart ride to one of the Top 10 Beaches in America. You will love the laid-back lifestyle and amazing amenities in Island Reserve - lagoon style pool, pickleball, basketball, fitness center and so much more! No short-term rentals here, just peace and quiet in resort-style living. This spacious 2nd story unit is easy to maintain and enjoys very low utility bills. Island Reserve is a gated community with a security officer, controlled access, security cameras and perimeter fencing that will provide you with Safety and Peace of Mind.
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Highlights

Listed by Theresa Callahan , 850-919-5025 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

7852 Annually

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Island Reserve

Listing ID

793031

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 Range, Electric Water Heater, Ice Maker
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Home Theater

Exterior Features

Lot Dimensions:0x0
Sewer:Public Sewer
Parking Features:Gated,Community Structure
Principal Interest
$1,420
Taxes
$256
HOA
$7,852

Home Price

$280,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$56,000
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:
$1,420.11

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,420.11 $255.87 $7,852.00 $9,527.98
Yearly $17,041.29 $3,070.44 $94,224.00 $114,335.73
Total $511,238.58 $92,113.20 $2,826,720.00 $3,430,071.78

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