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Harrison Lilly Team

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

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415 La Valencia Cir , Panama City Beach, FL 32413
$795,000
Est. Payment: $4,392.26/mo
3 Bed
3 Bath
1796 Sqft
0.08 Acres
Status: Active | Days on site: 30
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to this beautiful coastal home on the desirable west end of Panama City Beach, close to 30A/Rosemary Beach (just 8 minutes away), in the gated La Valencia Beach Resort community. Positioned directly across the street from the beach, this home offers rare Gulf views and a resort-style layout designed for relaxing and entertaining. The main living area features 10-foot ceilings, crown molding, and an open kitchen, dining, and living room layout that's bright and inviting. The kitchen offers custom cabinetry, granite countertops, generous prep space, and bar seating for four alongside dining seating for six. Just off the living room, a large covered balcony delivers direct Gulf views -- the perfect spot for morning coffee or evening sunsets. The spacious primary suite is filled with natural light and has its own private balcony, plus an ensuite bath with dual vanity, soaking tub, and separate shower. Two other well-appointed bedrooms offer ample storage throughout.All bedrooms have newly installed flooring. Downstairs, a flexible second living area includes a sitting area, dining/game table, and wet bar with sink, mini fridge, dishwasher, ice maker, and microwave -- ideal for entertaining after a beach day or as extra guest space, with private patio access. La Valencia's grounds are lined with mature oaks and magnolias for a peaceful, pet-friendly resort feel. Residents enjoy deeded beach access, a heated owners pool, hot tub, clubhouse with kitchen and gaming setup, fitness center, tennis/pickleball court, a spacious driveway, and a second Gulf-front pool with sundeck, restrooms, and golf cart parking. Everyday conveniences are close by too, with Pier Park, Aldi, Publix, and Walmart just minutes away. With short-term rentals allowed, Gulf views, and beach access directly across the street, this property is a great opportunity as a primary residence, second home, or vacation rental investment.

Highlights

Listed by Kathy S Bass , 850-832-1007 Avenue Realty , 850-549-9456. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.08

HOA Fee

2900 Annually

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

La Valencia Beach Resort

Listing ID

795535

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary

Exterior Features

Lot Dimensions:28.0 ft x 125.0 ft
Zoning:Resid Multi-Family
Roof:Tile
Sewer:Public Sewer
Principal Interest
$4,392
Taxes
$596
HOA
$2,900

Home Price

$795,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$159,000
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:
$4,392.26

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,392.26 $595.58 $2,900.00 $7,887.84
Yearly $52,707.13 $7,146.93 $34,800.00 $94,654.06
Total $1,581,213.78 $214,407.90 $1,044,000.00 $2,839,621.68

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS