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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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326 Derondo St , Panama City Beach, FL 32413
$600,000
Est. Payment: $3,043.09/mo
2 Bed
1 Bath
768 Sqft
Status: active | Days on site: 317
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Charming concrete block beach cottage just 3 blocks from the sugar-white sands! Located on the peaceful and quiet west end of Panama City Beach, this 2-bedroom, 1-bath home offers a rare blend of vintage charm and modern updates—with no HOA fees and short-term rentals allowed. Situated on a spacious, fenced lot, the property includes a newer storage shed with roll-up door (approx. 3 years old), perfect for beach gear or tools. Major updates include a roof in 2019, water heater (approx. 2 years), and HVAC (approx. 5 years) for added peace of mind. Whether you're looking for a personal getaway, investment property, or full-time beach retreat, this cottage offers endless potential in a highly desirable location. Don't miss your chance to own a piece of paradise on the West End!

Highlights

Listed by Stephanie Ingram , 850-814-0355 Counts Real Estate Group Inc , 850-249-1414. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.13

Year Built

1985

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Kiska Beach 1st Add

Listing ID

776383

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot Dimensions:50x112
Roof:Metal
Others:
  • Additional:Porch
Principal Interest
$3,043
Taxes
$198

Home Price

$600,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$120,000
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:
$3,043.09

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,043.09 $197.75 $0.00 $3,240.84
Yearly $36,517.04 $2,373.00 $0.00 $38,890.04
Total $1,095,511.25 $71,190.00 $0.00 $1,166,701.25

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