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Harrison Lilly

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

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140 Paradise Found Cir Unit 37 , Panama City Beach, FL 32413
$585,000
Est. Payment: $2,967.01/mo
1 Bed
2 Bath
816 Sqft
Status: active | Days on site: 83
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Escape to your own slice of heaven at the brand-new Margaritaville Beach Cottage Resort, the premier beachfront destination on Front Beach Road in Panama City Beach. Surf Bungalow 37 is a pristine, less than two-year-old, one-bedroom cottage featuring an expansive mezzanine loft with two full-size bunk beds. This property utilizes the highly coveted, rare, Surfs Up floor plan. Spanning a generous 816 square feet, it's the biggest layout in the Surf Bungalow collection. Highly Exclusive: Only 14 of the resort's 42 bungalows feature this specific design, and they are rarely up for sale. This property is expertly designed and comes fully furnished from top to bottom for a seamless, turnkey transition. Main Floor Primary Suite: Features a luxurious king bed and a private, upscale en suite bathroom. Second-Floor Mezzanine: Perfect for guests or kids, offering built-in full-over-full bunk beds and its own private bath. Living Space: Enjoy an open-concept living area, a fully equipped modern kitchen, and a comfortable dining space. Outdoor Living: Relax on the large front porch surrounded by lush, tropical landscaping. Convenience: Positioned in a private, quiet spot within the resort, yet just steps away from your designated parking space and guest parking. Owning here means indulging in the ultimate Panama City Beach vacation experience, with access to unparalleled resort perks: Nearly 600 feet of private, pristine white-sand beach. A massive resort-style pool with zero-entry access. A relaxing lazy river and two thrilling, amusement-park-grade waterslides. Exclusive Clubhouse Access: Take advantage of a state-of-the-art fitness center, a massive arcade, an activities center, conference spaces, and the iconic License to Chill Bar & Restaurant. Surf Bungalow 37 is the epitome of a hassle-free investment. It functions as a fully operational vacation rental. All measurements are approx. and should be verified by buyer.

Highlights

Listed by Matthew T Jones MBA , 706-570-2424 Coastal Heritage Real Estate LLC , 850-249-0521. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.02

HOA Fee

Year Built

2024

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Margaritaville Cottages

Listing ID

790544

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:ENERGY STAR Qualified Appliances, Electric Range, Ice Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Interior Steps, Main Level Primary, Shower Only, Loft

Exterior Features

Lot:Paved
Lot Dimensions:18*47
Roof:Metal
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$2,967
Taxes
$425
HOA
$0

Home Price

$585,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$117,000
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:
$2,967.01

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,967.01 $425.33 $0.00 $3,392.34
Yearly $35,604.12 $5,104.00 $0.00 $40,708.12
Total $1,068,123.46 $153,120.00 $0.00 $1,221,243.46

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