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Harrison Lilly

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

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16501 Front Beach Rd , Panama City Beach, FL 32413
$2,750,000
Est. Payment: $13,947.48/mo
5 Bed
3 Bath
1851 Sqft
Status: active | Days on site: 35
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This all-brick, gulf-front home sits on 50 feet of open beach frontage in the heart of Panama City Beach, steps from Pier Park and directly on the sand. No high-rise above it and no HOA. Just direct beachfront access and uninterrupted gulf frontage. The 1,200 sq ft deck spans the full width of the home - nearly all of it just updated - built around what actually matters here: the view, the breeze, and the kind of Florida weather that keeps you outside most of the year. Mornings start with coffee and soft light over the water. Afternoons settle into open space and steady salt air. Evenings stretch into wide, unobstructed sunsets that run clean across the horizon. Inside, a full wall of newly installed, impact-rated hurricane glass opens the main living area to constant water views while delivering the kind of storm protection that matters on the Gulf. Tile floors throughout keep things low-maintenance after time on the sand. A white brick fireplace handles the cooler months. Five bedrooms and three bathrooms allow the home to comfortably accommodate extended stays, larger groups, or consistent vacation rental use. The gulf-front primary suite opens directly onto the deck. The property is currently operating as a successful short-term rental. A brick-paved driveway provides parking for three vehicles. Brick construction is a rarity on the Gulf. What was built to last has lasted - and in a market where gulf-front lots are essentially gone, the land itself carries weight. Direct beach frontage at this location, no HOA, no deed restrictions - the kind of position that's worth holding regardless of what sits on it. Whether the play is enjoy it now, rent it, or eventually redevelop, the optionality here is real. Schedule your private showing.

Highlights

Listed by Craig Duran , 850-290-0417 Berkshire Hathaway HomeServices Beach Properties of Florida , 850-252-4160. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

Year Built

1976

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Lullwater Beach

Listing ID

790697

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Oven, Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot Dimensions:120 X 50
Roof:Shingle
Others:
  • Additional:Deck
Principal Interest
$13,947
Taxes
$1,178

Home Price

$2,750,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$550,000
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:
$13,947.48

Principal

Taxes

Principal Taxes HOA Total
Monthly $13,947.48 $1,177.50 $0.00 $15,124.98
Yearly $167,369.77 $14,130.00 $0.00 $181,499.77
Total $5,021,093.21 $423,900.00 $0.00 $5,444,993.21

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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