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Harrison Lilly

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

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20003 First Ave , Panama City Beach, FL 32413
$629,000
Est. Payment: $3,189.84/mo
3 Bed
2 Bath
1353 Sqft
Status: active | Days on site: 208
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to your beach getaway, just 500ft to the beach! Located in the heart of highly coveted Laguna Beach on the West End, celebrated for its relaxed, much quieter and more peaceful atmosphere compared to the bustling energy of the East End of Panama City Beach. This beautifully updated 3-bedroom, 2-bathroom coastal cottage sits just a short unobstructed 500-foot stroll from 2 public beach accesses into the sugar-white sands of the Gulf. Offering the perfect blend of beachside lifestyle, privacy, and investment potential with no HOA, this property is ideal to live in full-time, part-time, or rent out due to low overhead, zero lawn maintenance, and incredible proximity to the water. Situated on a desirable corner lot, this 1,353-square-foot single-story home features a bright, open layout with brand-new luxury vinyl plank flooring, a fully remodeled kitchen with stainless steel appliances, and tastefully renovated bathrooms, including a custom walk-in tile shower in the primary suite. The home has been thoughtfully upgraded for peace of mind with a brand-new roof, impact-rated windows, a new air handler, and freshly updated interior finishes throughout. Outside, you will find a private fenced backyard perfect for relaxing or future enhancements, alongside ample off-street parking, a large owner's lock-out storage room, and an oversized 10x14 golf cart shed with double doors for easy access. Tucked away from the heavy tourist traffic yet perfectly situated, you are only minutes from Pier Park and roughly five miles from the upscale lifestyle of Scenic Highway 30A. This quiet, highly walkable neighborhood puts local favorites like Thomas Donut & Snack Shop and Carousel Supermarket just steps from your door. With its rare combination of a peaceful location, close proximity to the Gulf, and recent updates, this is truly one of the most versatile opportunities in Laguna Beach. Schedule your showing today and claim your quiet slice of paradise!

Highlights

Listed by Zachary T Murzyn , 850-481-5322 Secure Real Estate , 850-481-5322. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.1

Year Built

1988

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laguna Beach 2nd Add

Listing ID

782323

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Shower Only, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:60x75
Zoning:Resid Single Family
Roof:Shingle
Parking Features:Additional Parking
Principal Interest
$3,190
Taxes
$382

Home Price

$629,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$125,800
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:
$3,189.84

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,189.84 $381.92 $0.00 $3,571.75
Yearly $38,278.06 $4,583.00 $0.00 $42,861.06
Total $1,148,341.67 $137,490.00 $0.00 $1,285,831.67

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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