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Harrison Lilly Team

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

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19914 Front Beach Rd , Panama City Beach, FL 32413
$1,650,000
Est. Payment: $9,116.01/mo
5 Bed
5 Bath
2917 Sqft
0.06 Acres
Status: Active | Days on site: 33
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Harrison Lilly Team
Owner/Operator

House Description

West End beach living does not get much better than this. Beautifully refreshed from top to bottom, this 5-bedroom, 4.5-bath coastal retreat feels fresh, polished, and ready for its next owner to step in and start enjoying immediately. Designed for effortless coastal living, the home offers approximately 2,800 square feet, three primary suites, spacious gathering areas, updated furnishings, and a private backyard pool perfect for lazy afternoons, entertaining, or maximizing vacation-rental appeal. Upstairs balconies capture Gulf views, salty breezes, and that unmistakable beach atmosphere--you can see it, smell it, and feel it just across the street. Set within a small HOA community on the highly desirable West End of Panama City Beach, the location is hard to beat. The beach is directly across the street, while 30A, Pier Park, dining, shopping, and some of the area's most popular attractions are all just minutes away. Whether you're looking for a high-performing vacation rental, an incredible second home, or your own private piece of the beach lifestyle, this property delivers the combination buyers are searching for: location, private pool, space, flexibility, and turnkey appeal. Refreshed, ready, and positioned to be enjoyed from day one.

Highlights

Listed by Marcy L O'Donnell , 848-220-5555 Luxe Coastal Realty Group LLC , 848-220-5555. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.06

HOA Fee

480 Annually

Year Built

2023

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laguna Beach 2nd Add

Listing ID

795034

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot Dimensions:26.0 ft x 93.0 ft
Sewer:Public Sewer
Principal Interest
$9,116
Taxes
$1,347
HOA
$480

Home Price

$1,650,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$330,000
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:
$9,116.01

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $9,116.01 $1,346.70 $480.00 $10,942.71
Yearly $109,392.15 $16,160.40 $5,760.00 $131,312.55
Total $3,281,764.44 $484,812.00 $172,800.00 $3,939,376.44

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