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Harrison Lilly Team

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

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125 Smugglers Cove Ct , Panama City Beach, FL 32413
$950,000
Est. Payment: $5,248.61/mo
5 Bed
4 Bath
3329 Sqft
Status: Active | Days on site: 16
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EKSR - E33249
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Tucked in the sought after west end Lakes at Summer Breeze, this custom home with an attached carriage house is a rare find. Enjoy lake and Gulf views, sunset balconies, and a short walk to Beach Access 66. The 2,888 SF main home offers 4 bedrooms, 3 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. A first floor suite with private entrance is ideal for guests. Upstairs, the oversized primary suite features a sitting area, spa bath, and screened balcony overlooking the lake. Two more bedrooms, wet bar, balcony, and full bath complete level two. The carriage house adds a 2 car garage plus a 441 SF studio. Paver patios, outdoor shower, wildlife views, and solar complete this home.
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Highlights

Listed by Mindi A Sato , 850-628-3118 Keller Williams Success Realty , 850-249-0313. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

2005

County

Bay

Area

27 - Bay County

 Neighborhood

Lakes At Summer Breeze

Listing ID

1011432

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Dishwasher, Disposal, Microwave, Refrigerator, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Gas, Trash Compactor
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas
Floor:Floor Hardwood,Floor Tile
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Raised, Guest Quarters, Lighting Recessed, Lock Out, Split Bedroom

Exterior Features

Lot:Cul-De-Sac,Curb & Gutter,Dead End,Irregular,Level,Survey Available,Within 1/2 Mile to Water,Lake,Shore - Natural
Lot Dimensions:40x166x66x148
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, Fenced Back Yard, Shower, Sprinkler System, Porch
Principal Interest
$5,249
Taxes
$581
HOA
$0

Home Price

$950,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$190,000
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:
$5,248.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,248.61 $581.19 $0.00 $5,829.80
Yearly $62,983.36 $6,974.30 $0.00 $69,957.66
Total $1,889,500.74 $209,229.00 $0.00 $2,098,729.74

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: 2026-10-07T04:14:31.000Z

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