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Harrison Lilly

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

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13649 Banana Wind Way Unit 31 , Panama City Beach, FL 32413
$1,199,000
Est. Payment: $6,081.10/mo
5 Bed
5 Bath
2128 Sqft
Status: active | Days on site: 183
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

🌴Luxury 5-Bedroom Poolside Cottage at Margaritaville Beach Cottage Resort - Panama City Beach🌴 Your Gateway to Paradise! ROI is up 74% over last year, YTD and growing! Experience the ultimate coastal lifestyle at Margaritaville Beach Cottage Resort #31, Panama City Beach's only full-service beachfront resort. This exceptional 5-bedroom, 4.5-bath Caribbean-inspired cottage offers a rare blend of luxury living, resort-style amenities, and outstanding vacation-rental potential. Offering approximately 2,100+ square feet of heated and cooled living space, plus covered outdoor living areas, this thoughtfully designed home is ideal for personal use, second-home ownership, or potential high-performing short-term rentals. With direct access to the resort-style pool and just steps from the private beach, this property delivers an elevated guest experience even during peak seasons. 🏡The Home Step inside to a bright, coastal-chic retreat where modern beach elegance meets comfort and functionality. The open-concept floor plan is designed for entertaining and effortless living, highlighted by luxury vinyl plank flooring, 10-foot ceilings on the main level, and abundant natural light. The chef-inspired kitchen features white quartz countertops, a large island with seating for four, stainless steel gas appliances including a 36-inch range, and an adjacent dining area with seating for eight--perfect for hosting family and guests. The first-floor primary suite offers privacy and convenience with an ensuite bath featuring dual vanities and a walk-in shower, while a well-placed powder room serves the main living area. Upstairs, the home includes two additional ensuite bedrooms, two guest bedrooms connected by a Jack-and-Jill bath, and a discreetly tucked-away laundry area with built-in storage. Enjoy outdoor living on the furnished patio, ideal for relaxing after a day at the beach or pool. 🌊Resort Lifestyle & Amenities Margaritaville Beach Cottage Resort is a fully built-out, full-service beachfront community offering an impressive lineup of amenities: 580 feet of private beachfront with chair & umbrella service 2.5-acre heated oasis pool 425-foot lazy river and waterslides Poolside food & beverage service Paddleboard and kayak rentals Game lawn and beachfront activities On-site professional rental management team Daily resort services The resort's multi-level entertainment center is now open and beautifully completed, featuring a full-service restaurant, fully equipped fitness center, arcade, conference and event spaces, creating an exceptional environment for vacation rentals, corporate retreats, family reunions, and group gatherings. 📍Prime Panama City Beach Location Located just 2 miles from Pier Park, owners and guests enjoy easy access to championship golf, premier dining, shopping, entertainment, fishing, boating, and the iconic emerald waters of the Gulf of America. Located 15.7 miles from Northwest Florida Beaches International Airport. ⭐Investment & Lifestyle Opportunity Backed by a globally recognized coastal luxury lifestyle brand and supported by on-site professional rental management, this property represents a rare opportunity to own a luxury poolside cottage in one of Panama City Beach's most desirable resort communities. Live the dream. Share the dream. Welcome to Margaritaville Beach Cottage Resort #31.

Highlights

Listed by Melissa Harris , 770-354-6442 MJH Real Estate Brokerage, LLC , 770-354-6442. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.06

HOA Fee

Year Built

2023

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Margaritaville Cottages

Listing ID

783789

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Electric Oven, Gas Cooktop, Ice Maker
Air Cond:Central Air,ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Interior Steps, Separate Shower, Upper Level Primary

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:32 X 76
Zoning:Resort
Roof:Metal
Others:
  • Additional:Patio
Sewer:Public Sewer
Parking Features:Additional Parking,Paved
Principal Interest
$6,081
Taxes
$1,037
HOA
$0

Home Price

$1,199,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$239,800
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:
$6,081.10

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,081.10 $1,037.25 $0.00 $7,118.35
Yearly $72,973.22 $12,447.00 $0.00 $85,420.22
Total $2,189,196.64 $373,410.00 $0.00 $2,562,606.64

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

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