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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 4 , Panama City Beach, FL 32413
$587,500
Est. Payment: $2,979.38/mo
1 Bed
2 Bath
768 Sqft
Status: active | Days on site: 424
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Your own slice of paradise awaits at the new Margaritaville Beach Cottage Resort on Front Beach Road. Surf Bungalow 4 is a beautifully appointed, new-construction one-bedroom cottage with a spacious loft, thoughtfully designed to comfortably accommodate guests with two full-size bunk beds. As an end-unit beach home, Surf Bungalow 4 enjoys one of the most desirable locations within Surf Bungalow Village--just moments from the beach club, clubhouse, and designated parking, while still offering a sense of privacy. This residence features the highly sought-after Longboard floor plan, complemented by the ''Son of a Sailor'' furniture and design package. The main level hosts a serene primary ensuite with a king bed and private bath, while the second-floor mezzanine offers built-in full-over-full bunk beds along with an additional private bath--ideal for maximizing both comfort and functionality. The open-concept layout seamlessly connects the spacious kitchen, inviting dining area, and relaxed living space, creating the perfect setting for entertaining or unwinding. Offered fully furnished and professionally designed, this turnkey home includes a large front porch, lush tropical landscaping, and convenient access to both owner and guest parking. Residents and guests enjoy an exceptional resort experience, featuring nearly 600 feet of private beach access, a sprawling oasis-style pool with zero-entry access, a lazy river, and amusement park-style waterslides. On-site amenities include the Salty Rim Bar for refreshing cocktails and the Salty Grill for casual poolside dining. Ownership also includes exclusive access to the Margaritaville PCB Beach Club, offering a fitness center, arcade and game room, activities center, and the popular License to Chill Bar & Restaurant. With front desk check-in and dedicated on-site guest services, every stay is designed for ease and enjoyment. This property presents an outstanding opportunity to enjoy both personal use and income potential. Don't miss your chance to experience the Margaritaville lifestyle at its finest.

Highlights

Listed by Phillip E Smith , 850-775-7889 The Premier Property Group , 850-213-5000. Bay County Association of REALTORS

Property Type

Residential

HOA Fee

Year Built

2024

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Margaritaville Cottages

Listing ID

771251

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Interior Features

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

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resid Single Family
Roof:Metal
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$2,979
Taxes
$136
HOA
$0

Home Price

$587,500

Loan Details

30 yrs
6.528%

Down Payment

20%
$117,500
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:
$2,979.38

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,979.38 $135.75 $0.00 $3,115.13
Yearly $35,752.56 $1,629.00 $0.00 $37,381.56
Total $1,072,576.68 $48,870.00 $0.00 $1,121,446.68

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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