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Harrison Lilly

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

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19991 First Avenue A & B , Panama City Beach, FL 32413
$729,000
Est. Payment: $3,697.35/mo
4 Bed
4 Bath
2380 Sqft
Status: active | Days on site: 252
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This Duplex is just a block from the Gulf of Mexico, in Laguna Beach, with public beach access #77, located about 900ft. from the front door. This Duplex is a money making property, currently the B side has long term tenants, since the A side is currently empty it could be set up for vacation rentals or your own vacation home. Each side has kitchen with combo living/dining room, laundry room, and full bath with shower with an exit to side yard. Back porch and back yard can be accessed from living room. Upstairs each side has two bedrooms, with adequate closet space and one full bath, a linen closet at the top of stairway. Both units also have access to rear deck from Southern bedroom with exterior stairs to ground level. These units have been kept clean, and updated. These units each are 1,190 sq. ft. heated and cooled, a little over 1,500 total sq. ft. with porches and decks (per prop appraiser site). Built after 1978, both units were connected to sewer in 2018, new roof in 2023. NO HOA and in the ''X'' flood zone. If you are looking for a great investment that you can make a few touches to, to make your own, this is it. Yes, both sides of duplex in Laguna Beach built after 1978, and NO HOA and in ''X'' flood zone! It has been used as a home to the owner's at one time and most recently both sides have been utilized as long term rentals. Both sides of the duplex, A & B, have identical floor plans, each with 2 bedrooms and 2 full baths. Downstairs, both have, Kitchen with combo living/dining room, laundry room, full bath with shower with exit to side yard. Back porch and back yard can be accessed from living room. Upstairs you will find 2 bedrooms with adequate closet space, 1 full bath with tub and shower combo and a linen closet at top of stairway. Both units also have access to rear deck from south bedroom with exterior stairs to ground level. These units have been kept clean, updated and owner's have performed regular maintenance. If you are looking for a great investment that you can make a few touches to, to make your own, this is it! These units are each 1,190 sq. ft heated and cooled and a little over 1,500 total sq. ft. with porches and decks (per prop appraiser site). Both units were connected to sewer in 2018, new roof in 2023. Location is about 900 feet to beach access 77, about 1/2 mile to the Old Beach Bar and about a mile away from The Carousel market.

Highlights

Listed by Joel Reed , 850-814-7377 Homes Land & Shore Inc. , 850-814-7377. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.1

Year Built

1979

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laguna Beach 2nd Add

Listing ID

780091

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Electric Oven
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:60 x 75
Roof:Composition,Shingle
Others:
  • Additional:Deck, Patio
Sewer:Public Sewer
Parking Features:Paved
Principal Interest
$3,697
Taxes
$141

Home Price

$729,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$145,800
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:
$3,697.35

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,697.35 $140.75 $0.00 $3,838.10
Yearly $44,368.21 $1,689.00 $0.00 $46,057.21
Total $1,331,046.16 $50,670.00 $0.00 $1,381,716.16

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

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