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Harrison Lilly Team

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

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19706 Front Beach Rd , Panama City Beach, FL 32413
$4,195,000
Est. Payment: $23,176.77/mo
7 Bed
9 Bath
4400 Sqft
0.19 Acres
Status: Active | Days on site: 21
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Harrison Lilly Team
Owner/Operator

House Description

Just Finished! Ready for the summer! Experience unrivaled 30A-style luxury at this brand-new 7 bedroom, 7 full bathrooms with 2 half baths with an elevator retreat on Panama City Beach's West End with a dedicated beach frontage. Sleeping up to 18 guests, it features an expansive outdoor oasis with a custom kitchen, oversized pool, and large deck perfect for events. It is a fully furnished, turnkey investment property. Situated on the tranquil, exclusive West End of Panama City Beach, offering seamless access to the area's white sand and emerald waters with a dedicated private community beach access just steps away. A one-of-a kind resort style backyard featuring an oversize pool, expansive decking, and a fully equipped outdoor kitchen. The outdoor bar boasts a built-in sound system, built-in grill, refrigerator, and ice maker and perfectly scaled for large gatherings, including family reunions, corporate retreats, and weddings. The first-floor features three bunk rooms and a Rec Room, the main living area on the second floor features a great room as well as two additional bedrooms, the third- floor features two masters, one with a gulf view as well as one with a view of the outdoor patio. Whether you are searching for a personal primary residence or a high-performing vacation rental, this house is completely turn-key and rental-ready. The property is currently active on a rental program and detailed in whether you are searching for a personal primary residence or a rental.

Highlights

Listed by Bill Thomas , 850-381-3156 Beach Time Realty Inc , 850-381-3156. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.19

Year Built

2026

County

Bay

Area

27 - Bay County

Neighborhood

Laguna Beach

Listing ID

1004951

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:7
  • ▪ Bathrooms:9
  • ▪ Full Bathrooms:7
  • ▪ 1/2 Bathrooms:2
Appliances:Cooktop, Dishwasher, Dryer, Ice Machine, Microwave, Refrigerator, Smoke Detector, Stove/Oven Gas, Washer, Water Heater - Gas
Floor:Floor Hardwood,Floor Tile
Other:
  • ▪ Additional:Elevator, Pantry

Exterior Features

Lot:Within 1/2 Mile to Water,See Remarks
Lot Dimensions:50' x 167'
Zoning:County
Others:
  • ▪ Additional:Balcony, BBQ Pit/Grill, Fenced Back Yard, Pool - Gunite Concrt, Sprinkler System, Patio Covered, Porch Open, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$23,177
Taxes
$777

Home Price

$4,195,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$839,000
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:
$23,176.77

Principal

Taxes

Principal Taxes HOA Total
Monthly $23,176.77 $777.34 $0.00 $23,954.11
Yearly $278,121.25 $9,328.11 $0.00 $287,449.36
Total $8,343,637.47 $279,843.30 $0.00 $8,623,480.77

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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