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Harrison Lilly

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

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13643 Front Beach Rd , Panama City Beach, FL 32413
$3,500,000
Est. Payment: $17,751.34/mo
6 Bed
7 Bath
3990 Sqft
Status: active | Days on site: 466
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

**PRIVATE ELEVATOR** This Gulf-front retreat in Margaritaville Beach Cottage Resort blends laid-back luxury with modern comfort, offering the ultimate escape in Panama City Beach. Built in 2023 and sold fully furnished, this Oasis floor plan spans 3,990 square feet across three levels - all with unobstructed views of the emerald Gulf waters. Professionally designed with decor that captures the breezy, carefree vibe of the Margaritaville lifestyle, the home features luxury vinyl plank flooring throughout and a thoughtful layout tailored for both relaxed getaways and high-performing rentals. From morning coffee to sunset cocktails, enjoy panoramic Gulf views from your private balconies on every level. The first floor features a spacious recreation room with a foosball table, wet bar, full-sized refrigerator, and ice maker - perfect for entertaining after a day in the sun. Step outside to your private 8x17 beachfront pool and take the private dune walkover straight to the sand. With 6 bedrooms, a bunk area, and 6.5 bathrooms, this home comfortably accommodates large families and rental guests alike. The private elevator makes each level easily accessible. On the second floor, an open-concept great room takes full advantage of the water views, with a living area, dining space, and a chef's kitchen featuring Frigidaire Professional appliances, a 36'' gas range, quartz countertops, and maple cabinetry. Two guest suites with private baths, a powder room, and a full laundry area round out this level. Upstairs, the Gulf-facing primary suite offers a true retreat with expansive views down the coast, a walk-in closet, balcony access, and a spa-inspired ensuite with double vanities and a walk-in shower. Two more guest bedrooms with private baths and a cozy bunk nook complete the third floor. Additional features include a two-car covered carport plus parking for three more vehicles - rare for Gulf-front homes. As part of the Margaritaville Beach Cottage Resort, you and your guests have access to top-tier amenities: a resort-style pool with a 425-foot lazy river and H2O Adventure waterslides, pickleball court, indoor arcade, game lawn, hammock grove, and poolside movie nights. On-site dining options include The Salty Rim Bar & Grill, Fins Restaurant & Bar, and Joe Merchant's Coffee & Provisions - perfect for everything from poolside snacks to sunset dinners. Whether you're looking for a luxurious vacation home or a high-performing rental property, this is a rare opportunity to own in one of the most exciting beachfront resorts on the Emerald Coast. Call today to schedule your private tour and explore rental income potential, projections, and how to make this island-inspired dream a reality.

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
0.9

HOA Fee

1775 Quarterly

Year Built

2023

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Margaritaville Cottages

Listing ID

772029

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:7
  • Full Bathrooms:6
  • 1/2 Bathrooms:1
Appliances:Bar Fridge, Electric Oven, Electric Range, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity

Exterior Features

Lot:Sprinkler System
Lot Dimensions:40X206
Roof:Metal
Others:
  • Additional:Barbecue, Covered Patio, Deck, Outdoor Shower
Sewer:Public Sewer
Principal Interest
$17,751
Taxes
$2,624
HOA
$1,775

Home Price

$3,500,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$700,000
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:
$17,751.34

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $17,751.34 $2,624.08 $1,775.00 $22,150.42
Yearly $213,016.08 $31,489.00 $21,300.00 $265,805.08
Total $6,390,482.27 $944,670.00 $639,000.00 $7,974,152.27

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