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Harrison Lilly

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

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21814 Front Beach Rd , Panama City Beach, FL 32413
$3,195,000
Est. Payment: $16,204.44/mo
6 Bed
7 Bath
3302 Sqft
Status: active | Days on site: 36
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience the ultimate in luxury coastal living with this newly constructed beach retreat on the highly desirable West End of Panama City Beach. Offering 3,302 square feet of thoughtfully designed living space, this exceptional home features 6 spacious bedrooms, each with its own private ensuite bath, creating the perfect setup for large families, vacation guests, or premium rental opportunities. Designed to comfortably accommodate up to 16 guests, the home showcases an expansive open-concept great room ideal for entertaining, along with a separate recreation room conveniently located near the pool area. Two laundry rooms provide added convenience for larger groups and extended stays. Perfectly positioned for enjoying the Gulf Coast lifestyle, this property offers beautiful Gulf views and beach access located just across the street, with two public access points only a short walk away. The outdoor living experience is equally impressive, featuring a large private pool with a sun shelf that can also function as a spa, a covered pavilion, and a fully equipped outdoor kitchen designed for entertaining. The backyard oasis is enhanced with lush artificial turf, generous green space, and an integrated Sonos sound system throughout the pool area, balconies, and main living spaces. Additional highlights include parking for up to six vehicles and a fully furnished interior professionally designed with refined coastal elegance. Whether you are seeking a primary residence, second home, or high-performing short-term rental investment, this turnkey property is fully equipped and ready for immediate enjoyment or rental management. Just steps from the sugar-white sands and emerald waters of the Gulf of Mexico, this home offers the perfect combination of luxury, location, and investment potential on Panama City Beach.

Highlights

Listed by Bill Thomas , 850-381-3156 Beach Time Realty, Inc , 850-381-3156. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.12

Year Built

2026

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Lullwater Beach

Listing ID

790181

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:7
  • Full Bathrooms:6
  • 1/2 Bathrooms:1
Appliances:Convection Oven, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Tankless Water Heater
Air Cond:Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • Additional:Coffered Ceiling(s), Double Vanity, Interior Steps, Main Level Primary, Separate Shower, Instant Hot Water

Exterior Features

Lot:Paved
Lot Dimensions:50x106
Zoning:City
Roof:Metal
Sewer:Public Sewer
Principal Interest
$16,204
Taxes
$602

Home Price

$3,195,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$639,000
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:
$16,204.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $16,204.44 $601.58 $0.00 $16,806.02
Yearly $194,453.25 $7,219.00 $0.00 $201,672.25
Total $5,833,597.38 $216,570.00 $0.00 $6,050,167.38

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