Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

13650 Front Beach Rd , Panama City Beach, FL 32413
$2,190,000
Est. Payment: $11,107.27/mo
5 Bed
5 Bath
3176 Sqft
Status: active | Days on site: 162
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

This stunning almost-new home enjoys a prime coastal location in the acclaimed community of Margaritaville Beach Cottage Resort, Panama City Beach's newest luxury resort. Located just yards from gated beach access and the community pool complex, this beautiful beach cottage has magnificent gulf views from the second and third floor balconies. Built in 2023, this fully furnished Key-West-style home has a cocktail-inspired color palette with an open concept layout that's ideal for relaxing and entertaining. It showcases a host of attractive design features, including stylish shiplap walls and a first-floor guest suite. The fully fenced backyard creates a private oasis with low-maintenance turf and a covered porch with a private hot tub for lazing away the days in total relaxation. Indoors, practical wood vinyl laminate flooring complements the white kitchen cabinetry with dark blue tile accents as a backsplash. Four tall chairs are lined up around the breakfast bar with extra seating in the dining area. The open sitting room is a social space complete with a wet bar and a beverage refrigerator. Three floors of accommodations offer multiple porches and balconies for hanging out in the sun. Just add friends, cool drinks and a good book. Five generously sized bedrooms all have lots of light and storage, while four luxury bathrooms and a half bath have a sleek contemporary finish. The top floor includes a game room and a bunk room that's sure to be a big hit with young guests. An exterior spiral staircase provides easy access from the bedrooms to ground level for those eager to get out for a morning stroll before breakfast. Offered turnkey, this gorgeous beach cottage is rental-ready for owners or investors looking to welcome their first guests. This incredible beach house has two dedicated parking spots and direct access to the resort's zero-entry Oasis pool and a heated infinity pool for year-round fun. By day, the water slides and 425-foot lazy river offer cool activities for all ages right next to The Salty Rim Bar and Grill. After dark, the resort buzzes with dining options and nightlife, including movie nights and live entertainment seven nights a week. Just minutes from Pier Park shopping and dining, this home is superbly located for exploring everywhere on foot. Close to golf, entertainment and family attractions, it is also conveniently close to Northwest Florida Beaches International Airport (ECP) for weekend getaways.

Highlights

Listed by Taylor A Moorman , 414-852-4209 and Brad Dahler , 850-842-8800 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

1220 Quarterly

Year Built

2023

County

Bay

Area

27 - Bay County

Neighborhood

Margaritaville Cottages

Listing ID

985773

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Stove/Oven Dual Fuel, Warranty Provided, Washer, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • Additional:Breakfast Bar, Ceiling Tray/Cofferd, Lighting Recessed, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Corner,Level,Within 1/2 Mile to Water
Lot Dimensions:32 X 81
Zoning:Resid Single Family
Others:
  • Additional:Balcony, Hot Tub, Deck Covered, Deck Open, Patio Covered
Sewer:Public Sewer
Principal Interest
$11,107
Taxes
$1,499
HOA
$1,220

Home Price

$2,190,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$438,000
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:
$11,107.27

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $11,107.27 $1,499.02 $1,220.00 $13,826.29
Yearly $133,287.20 $17,988.30 $14,640.00 $165,915.50
Total $3,998,616.05 $539,649.00 $439,200.00 $4,977,465.05

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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: 2026-08-20T06:32:47.000Z

© 2026 Emerald Coast Multiple Listing Services