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Harrison Lilly

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

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125 Smugglers Cove Ct , Panama City Beach, FL 32413
$989,000
Est. Payment: $5,015.50/mo
5 Bed
4 Bath
3329 Sqft
Status: active | Days on site: 175
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Tucked into the highly sought after west end subdivision of Lakes at Summer Breeze, this custom built home with an attached carriage house is the kind of property buyers wait for and rarely find. Enjoy lake and Gulf views, sunsets from multiple balconies, and a short walk to Beach Access 66. The 2,888 SF main home offers 4 bedrooms, 3 full baths, high ceilings, walls of windows, plantation shutters, tile and wood floors, a gas fireplace, and an updated kitchen with custom cabinetry and gas stove. The first floor suite has its own entrance and is perfect for guests. Upstairs, the oversized primary suite feels like a retreat, complete with a seating area or office, hardwood floors, nice bath room with a soaker tub and shower, and a full width screened balcony overlooking the lake that will absolutely become your favorite sunset spot. Two additional spacious bedrooms one with built in bunks, a wet bar, shared balcony, and full bath round out the second level. The carriage house adds serious value a 2 car garage plus a 441 SF studio apartment with full kitchen, full bath, and tankless water heater ideal for guests or multigenerational living. Outside, enjoy paver patios, an outdoor shower, and daily wildlife sightings such as turtles, ducks, osprey, and even eagles. Bonus perk? Solar panels will be paid off at closing, keeping monthly electric bills refreshingly low. This is PCB luxury living done right.

Highlights

Listed by Mindi A Sato , 850-628-3118 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.2

HOA Fee

400 Annually

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Lakes At Summer Breeze

Listing ID

784633

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Gas Oven, Gas Range
Air Cond:Central Air,Ceiling Fan(s),Ductless
Fireplaces:Gas
Other:
  • Additional:Balcony, Sitting Area in Primary, Soaking Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Cul-De-Sac,Sprinkler System,Paved
Lot Dimensions:40x166x66x148
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Patio, Outdoor Shower
Parking Features:Garage,Garage Door Opener,Paved
Principal Interest
$5,016
Taxes
$581
HOA
$400

Home Price

$989,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$197,800
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:
$5,015.50

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,015.50 $581.17 $400.00 $5,996.67
Yearly $60,186.01 $6,974.00 $4,800.00 $71,960.01
Total $1,805,580.15 $209,220.00 $144,000.00 $2,158,800.15

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS