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Harrison Lilly Team

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

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242 N Wells St , Panama City Beach, FL 32413
$475,000
Est. Payment: $2,624.31/mo
3 Bed
2 Bath
1690 Sqft
0.12 Acres
Status: Active Under Contract | Days on site: 77
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BPPF - B0084,B8859,BNONA
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Harrison Lilly Team
Owner/Operator

House Description

UNDER CONTRACT, TAKING BACK-UPS. ** Built just three years ago, this chic one owner, 3-bedroom, 2-bath home is located on the coveted west end of Panama City Beach in the gated community of Laguna Haven. From the moment you step inside you'll appreciate the bright and open floor plan, featuring 9-foot elegant tray ceilings, luxury vinyl plank flooring and abundant natural light throughout. The gourmet kitchen is designed to impress with quartz countertops, soft-close cabinetry, stainless steel appliances, a large island and plenty of room for entertaining. The spacious primary suite offers a true retreat with a walk-in closet and spa-inspired bathroom featuring a custom tiled walk-in shower and dual vanities. Enjoy Florida living year-round from the custom-built screened Florida Lanai, an ideal extension of the living space, that overlooks the fully fenced backyard. Cozy evenings are made even better around the custom-built electric fireplace, creating the perfect atmosphere for relaxing after a day at the beach. Additional highlights include hurricane shutters, a doggy door, paver driveway, two car garage, covered front porch and designer finishes throughout. Also located in Flood Zone X, meaning flood insurance is not required. Whether you're looking for a full-time residence, a second home, or a turnkey vacation rental, this property checks every box. Stylish, low-maintenance, and ideally located near shopping, dining, entertainment, Pier Park, 30A, Northwest Florida International Airport (ECP), Dog Park, Camp Helen, PCB Conservation Park, Dollywood's Pirate Voyage dinner & show and the sugar-white sands and emerald waters of the Gulf Coast's most beautiful beaches--This is coastal living at its finest! Call today to schedule your showing.

Highlights

Listed by Crystal Duncan , 850-866-8622 and Savannah Z Hamilton , 850-890-1300 Paradise Properties of NW Florida , 850-588-7136. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.12

HOA Fee

490 Quarterly

Year Built

2023

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laguna Haven

Listing ID

791954

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Walk-In Closet(s)

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:50.0 ft x 110.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$2,624
Taxes
$303
HOA
$490

Home Price

$475,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$95,000
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:
$2,624.31

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,624.31 $302.81 $490.00 $3,417.12
Yearly $31,491.68 $3,633.75 $5,880.00 $41,005.43
Total $944,750.37 $109,012.50 $176,400.00 $1,230,162.87

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