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Harrison Lilly

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

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13658 Front Beach Rd Unit 4 , Panama City Beach, FL 32413
$1,924,000
Est. Payment: $9,758.16/mo
6 Bed
7 Bath
3223 Sqft
Status: active | Days on site: 118
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

🌴 Luxury Waterside Retreat 4 at Margaritaville Beach Cottage Resort 🌴 ROI is up 10% over last year, YTD and growing! Your Gateway to Paradise | Panama City Beach An ideal opportunity to capitalize on strong Summer rental season. Welcome to Waterside Retreat #4, a spectacular 6 bedroom + bunk room, 6.5 bath luxury coastal retreat offering breathtaking Gulf views from all three levels and located just a few steps to paradise. Designed with the sought-after ''DAYDREAMIN''' floor plan, this home features approximately 3,223 sq ft of heated and cooled living space, thoughtfully curated to accommodate large gatherings, maximize rental potential, and deliver an elevated guest experience. 🌊 Coastal Living Across Three Levels First Level: The main living and dining areas offer an open-concept layout with direct access to a private patio, perfect for indoor-outdoor living. Beautifully appointed kitchen featuring: Frigidaire Professional appliances 36'' gas range Quartz countertops Maple cabinetry This level also includes a guest bedroom with full bath and a powder room, ideal for convenience and accessibility. Second Level: The spacious primary suite offers stunning Gulf views, a private balcony, walk-in closet, and a luxurious en suite bath featuring: Double vanities Soaking tub Walk-in shower Also on this level: Two additional guest bedrooms A bunk room Two full bathrooms Third Level: Designed for flexibility and privacy, the third floor includes: A large bedroom with private balcony and Gulf views Additional bedroom and full bath Bonus room ideal for a second living area, media space, or game room ✨ Luxury Features & Finishes Gulf views from all three levels 🌊 Two wet bars with beverage refrigerators & ice maker Luxury vinyl plank flooring throughout Quartz countertops throughout Maple cabinetry Private 7-seat hot tub Heated plunge pool and Lazy River Three dedicated parking spaces 🌴 Resort Lifestyle Like No Other Margaritaville Beach Cottage Resort offers a full-service, amenity-rich coastal experience, including: 580 feet of private beachfront with chair & umbrella service 2.5-acre heated oasis pool 425-foot lazy river & water slides Poolside food & beverage service On-site restaurant & poolside bar (''License to Chill'') Fitness center, arcade, and entertainment complex Paddleboarding, kayaking, and beachfront activities 📍 Prime Location Located just 2 miles from Pier Park and approximately 15.7 miles from Northwest Florida Beaches International Airport. 💰 Investment Meets Lifestyle This luxury waterside retreat presents a rare opportunity to own in one of Panama City Beach's most desirable resort communities -- offering strong short-term rental potential, a world-class amenity package, and the lifestyle buyers are actively seeking. Live the dream. Share the dream. Welcome to Margaritaville Waterside Retreat #4 🌊

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

787151

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: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 81
Zoning:Resort
Roof:Metal
Others:
  • Additional:Covered Patio, Deck
Sewer:Public Sewer
Parking Features:Additional Parking,Paved
Principal Interest
$9,758
Taxes
$1,227
HOA
$0

Home Price

$1,924,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$384,800
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:
$9,758.16

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,758.16 $1,226.55 $0.00 $10,984.71
Yearly $117,097.98 $14,718.60 $0.00 $131,816.58
Total $3,512,939.39 $441,558.00 $0.00 $3,954,497.39

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