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Harrison Lilly

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

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20756 West End Dr , Panama City Beach, FL 32413
$796,500
Est. Payment: $4,039.70/mo
3 Bed
3 Bath
1882 Sqft
Status: active | Days on site: 59
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Buyer Incentives Offered. Experience the best of beach living in this custom-built Laguna Beach retreat. One of the owners' favorite things about this home is the priceless lifestyle it offers. Walk to the beach or hop in your golf cart and embrace the ease of coastal living. Enjoy leisurely daily walks or evening jogs, all while taking in breathtaking sunsets and beautiful morning sunrises. This custom-built 3-bedroom, 2.5-bath home offers 1,882 square feet of living space, including a bonus sunroom, large back yard with room for a pool. Offering the flexibility today's buyers are looking for, this property is equally suited as a primary residence, second home, or high-performing vacation rental. With no HOA and short-term rentals allowed, this home offers exceptional vacation rental potential with significant upside for investors or second-home owners. Rental projections indicate strong earning potential, with even greater returns possible by adding a pool. Situated on a quiet dead-end street in the golf-cart-friendly community of Laguna Beach, the property combines quality construction and ample parking with a two-car garage, extra parking for multiple vehicles, and additional space for a boat, RV, trailer, or golf cart. The home's south-facing orientation fills the interior with natural light and provides beautiful sunrise and sunset views throughout the year. Built with 2x6 exterior walls, impact windows, Hardie Board siding, architectural shingles, paver driveway, and premium roof decking, the home was designed for durability and low maintenance. The split-bedroom floor plan features an open living area and a well-appointed fully stocked kitchen with walk-in pantry, KitchenAid stainless appliances with wall oven, a Bosch dishwasher, custom hood vent, and a beautiful sea-blue backsplash. The fenced backyard features an outdoor shower, large deck and patio, ample room for a resort-style pool, and a custom gazebo constructed from exotic Ipe wood imported from South America, creating a unique outdoor living and entertaining space. Additional features include a wood-burning fireplace with stone surround, heated bathroom exhaust fans, rain-head walk-in showers, custom built-in shelving, and a bay window in the primary bedroom overlooking the backyard. Located near public beach access #84, the home is conveniently located within a 10-minute drive either way between Pier Park and the 30A corridor near Rosemary Beach, providing easy access to shopping, dining, entertainment, and the beach. Partially furnished. Room for Pool and plan available upon request. Pool photos are renderings of what could be done in the back yard and not actual photos. Measurements are not accurate but close to where a pool could go. Ask for details. Buyer to verify all data and dimensions if important as measurements are approximate.

Highlights

Listed by Dana Ford , 850-774-3443 Scenic Sotheby's International Realty , 850-231-6052. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

Year Built

2016

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laguna Beach Estates

Listing ID

791657

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Sitting Area in Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:68.0 ft x 110.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Covered Patio, Deck, Outdoor Shower
Parking Features:Additional Parking,Circular Driveway,Drive Through,RV Access/Parking
Principal Interest
$4,040
Taxes
$508

Home Price

$796,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$159,300
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:
$4,039.70

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,039.70 $507.77 $0.00 $4,547.47
Yearly $48,476.37 $6,093.22 $0.00 $54,569.60
Total $1,454,291.18 $182,796.75 $0.00 $1,637,087.93

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

© 2026 Bay County Association of REALTORS