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Harrison Lilly Team

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

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230 13th St , Panama City Beach, FL 32413
$472,000
Est. Payment: $2,607.73/mo
5 Bed
2 Bath
1278 Sqft
0.1 Acres
Status: Active | Days on site: 210
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HCOIN - B10812
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Harrison Lilly Team
Owner/Operator

House Description

Extremely successful cash-flowing short-term rental in a neighborhood that allows STR. This newly remodeled Laguna Beach property situated in the highly desirable west Panama City Beach, just 2.5 blocks from the Gulf! 4-minute short distance or a 1-minute golf car ride. This one-of-a-kind property boasts two separate income approaches, maximizing returns. The front is an adorable guest quarters that is a 2 bedroom and 1 bath, excellent for accommodating in-laws, or generating rental income. Complete with a master suite, living room, open kitchen/dining area, bunkbed room, additional sleeping space including a loft area, it has the option to come fully furnished. The second living area is a spacious 3-bedroom, 1-bathroom mobile home featuring attractive vinyl flooring throughout, an open floor plan, new electrical, new HVAC, septic system pumped 4/4/2025, new insulation, and a bonus room. Outside, enjoy a fantastic lookout deck atop the home. Situated on a generous 50x100 lot on a dead-end street (no pass-through traffic). Mini Splits have been added 8/2026. Golfcart and furniture are included, making this a turn-key investment.

Highlights

Listed by Jonathan Minerick , 888-400-2513 HomeCoin.com , 888-400-2513. Bay County Association of REALTORS

Property Type

Manufactured Home

Lot/Acreage
0.1

Year Built

1965

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laguna Beach

Listing ID

783676

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Convection Oven, Washer/Dryer Stacked, Electric Cooktop, Electric Water Heater

Exterior Features

Lot Dimensions:50x100
Zoning:Mobile Home
Roof:Metal
Others:
  • ▪ Additional:Patio
Principal Interest
$2,608
Taxes
$327

Home Price

$472,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$94,400
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Monthly Price:
$2,607.73

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,607.73 $326.92 $0.00 $2,934.65
Yearly $31,292.78 $3,923.00 $0.00 $35,215.78
Total $938,783.52 $117,690.00 $0.00 $1,056,473.52

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS