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Harrison Lilly Team

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

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116 Smugglers Cove Ct , Panama City Beach, FL 32413
$889,000
Est. Payment: $4,911.60/mo
5 Bed
4 Bath
2822 Sqft
0.86 Acres
Status: Active | Days on site: 368
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BCPB - B8324
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Harrison Lilly Team
Owner/Operator

House Description

This is a fantastic price improvement and one of the best values currently available. If you've been considering this property, now is the time to act before it's gone. Experience coastal living at exceptional value. This is a great opportunity! Your One-of-a-Kind Beach Retreat-Steps from the Gulf. Welcome to this stunning, fully furnished beach house just few steps from the Gulf of America. Designed with comfort, elegance and durability in mind, this home offers a rare combination of coastal charm and high end features. Relax on any of the multiple balconies where you can feel the ocean breeze and soak in views of the Gulf and nearby lake. The third floor balcony offers the best of both worlds-gorgeous water views in every direction. Inside, the owner's impeccable taste is evident in every detail. Hurricane proof windows rated to withstand up to 155 mph provide peace of mind, while front-facing windows and transoms are tinted for added privacy and comfort. A private elevator accommodates up to 4 people (1000 lbs), making every level of the home easily accessible. The open-concept living areas feature crown molding thoughout, rich bamboo wood floors, and tile in the kitchen and bathrooms. The gourmet kitchen boasts granite countertops, abundant cabinetry, and stainless steel appliances, while each bathroom also features elegant granite finishes. Special touches include a central vacuum system for convenience, a tankless water heater for energy savings, and a split garage with ample space for tools and storage. The inviting living room offers an electric fireplace-perfect for cozy nights in. The first floor bedroom serves beautifully as a private mother-in-law suite, providing flexibility for guests or extended family. This home is a perfect blend of style, comfort and strength, a true coastal gem ready for its next chapter. Please schedule your private showing on this one of a kind property now!

Highlights

Listed by Angela Stanley , 850-319-6479 Better Homes and Gardens Coast Properties , 850-687-9988. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.86

HOA Fee

400 Annually

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Lakes At Summer Breeze

Listing ID

777615

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:Electric
Other:
  • ▪ Additional:Central Vacuum, Double Vanity, Interior Steps, Sitting Area in Primary, See Remarks, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:60x63
Zoning:Resid Single Family
Roof:Metal
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$4,912
Taxes
$354
HOA
$400

Home Price

$889,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$177,800
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:
$4,911.60

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,911.60 $353.75 $400.00 $5,665.35
Yearly $58,939.16 $4,245.00 $4,800.00 $67,984.16
Total $1,768,174.90 $127,350.00 $144,000.00 $2,039,524.90

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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS