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Harrison Lilly Team

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

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306 Rose Ln , Panama City Beach, FL 32413
$950,000
Est. Payment: $5,248.61/mo
4 Bed
4 Bath
2017 Sqft
0.08 Acres
Status: Pending | Days on site: 126
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Harrison Lilly Team
Owner/Operator

House Description

'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Construction Complete and Fully Furnished steps from the Gulf! Experience the best of Panama City Beach living in this stunning new construction coastal retreat designed for both luxury living and exceptional short-term rental potential. Offered fully furnished and turnkey, this thoughtfully designed beach house combines upscale finishes, spacious accommodations, and an unbeatable location just steps from the Gulf of Mexico, with two beach access points located within approximately 500 feet of the property. Featuring 4 bedrooms, 3.5 baths, and over 2,000 square feet of beautifully crafted living space, this home was designed with the ultimate vacation lifestyle in mind. The flexible floor plan includes spacious primary suites on both the first and second floors, along with two additional guest bedrooms and extra space for built-in bunks or additional sleeping arrangements, making it ideal for hosting large families and vacation guests alike. The open-concept living, dining, and kitchen areas create a seamless flow for entertaining, while upscale coastal finishes and durable construction elements -- including a metal roof and impact windows for long-term performance -- offer both style and peace of mind. Outdoor living is equally impressive with a privacy-fenced backyard, outdoor shower, plunge pool and low-maintenance landscaping, and paver entertaining areas designed for relaxing after a day at the beach. The property also includes a 1 car garage and ample space for beach gear, golf carts, or owner storage. Located on the desirable west end in Laguna Beach, this property offers an ideal opportunity as a primary residence, second home, or high-performing vacation rental investment. With no HOA, strong rental demand, and easy beach access nearby, this fully furnished coastal getaway delivers the perfect blend of luxury, location, and income-producing potential.

Highlights

Listed by Allen C Place , 850-381-0743 Beachy Beach Real Estate , 850-233-4351. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.08

Year Built

2026

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laguna Beach Estates 7th Add

Listing ID

790206

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:50 x 70
Zoning:Resid Multi-Family
Roof:Metal
Others:
  • ▪ Additional:Outdoor Shower
Sewer:Public Sewer
Principal Interest
$5,249
Taxes
$606

Home Price

$950,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$190,000
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:
$5,248.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,248.61 $605.63 $0.00 $5,854.24
Yearly $62,983.36 $7,267.50 $0.00 $70,250.86
Total $1,889,500.74 $218,025.00 $0.00 $2,107,525.74

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS