Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

118 E Lakeshore Dr , Panama City Beach, FL 32413
$649,000
Est. Payment: $3,585.63/mo
4 Bed
3 Bath
2107 Sqft
0.17 Acres
Status: Active | Days on site: 0
Get Pre-Qualified
EMRC - E3961
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Just steps from the white-sand beaches and sparkling Gulf of Mexico, this charming beach cottage offers a relaxed coastal lifestyle with the added versatility of a separate guest cottage. Conveniently located near a local grocery store and the beach, this delightful property combines classic coastal character with thoughtful spaces for family, guests, or rental potential. The main house features a lovely oversized partially covered balcony, perfect for enjoying the coastal breeze and outdoor entertaining. Inside, two separate living areas provide plenty of room to gather or unwind, while charming pine accents on the walls, ceilings, and stairs create a warm beach-cottage atmosphere. The kitchen features tile flooring, stainless steel appliances, and a fun blue-and-white tile backsplash accented with a crab mosaic above the stove. Quaint sitting alcoves with built-in benches add character throughout the home. Durable terrazzo flooring throughtout the first floor provides a timeless, easy care finish. The master bedroom offers the cozy ambiance of a fireplace and comfortable carpeting. The bathrooms showcase tiled walls and floors, and charming shiplap stairs add another touch of coastal character. A separate guest cottage tucked behind the main house offers wonderful flexibility and could be ideal for guests, extended family, or rental income. Its covered porch provides the perfect spot for morning coffee or an evening cocktail. Inside, the cottage features white shiplap walls in the living area, white tile kitchen walls, and pine wood flooring. The bedroom features warm wood-paneled walls, and the bathroom includes a shower. With its beach cottage charm, separate guest accommodations, inviting outdoor spaces, and enviable location less than one block from the Gulf, this property offers a wonderful opportunity to enjoy the laid-back coastal lifestyle while providing exceptional flexibility for guests or investment use.

Highlights

Listed by Clayton F Bonjean , 850-585-1284 Mainsail Realty Company , 850-585-1284. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.17

Year Built

1967

County

Bay

Area

27 - Bay County

Neighborhood

Laguna Beach

Listing ID

1013418

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Microwave, Refrigerator, Stove/Oven Electric
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:150 x 50 x 150 x 50
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Balcony
Sewer:Septic Tank
Principal Interest
$3,586
Taxes
$157

Home Price

$649,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$129,800
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:
$3,585.63

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,585.63 $157.09 $0.00 $3,742.72
Yearly $43,027.58 $1,885.04 $0.00 $44,912.62
Total $1,290,827.35 $56,551.20 $0.00 $1,347,378.55

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T00:53:56.000Z

© 2026 Emerald Coast Multiple Listing Services