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Harrison Lilly Team

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

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6422 W Highway 98 Unit 1406 , Panama City Beach, FL 32407
$579,000
Est. Payment: $3,198.89/mo
3 Bed
3 Bath
1916 Sqft
Status: Active | Days on site: 1
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RLBK - B12361
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Harrison Lilly Team
Owner/Operator

House Description

The door opens and the room does something most rooms don't -- it goes up. Eleven-foot ceilings lift the whole space, and the light that comes with them is bay light: wide, moving, a little different every hour. This is the top of Marina Landing, and from up here St. Andrews Bay isn't a view you go looking for. It's simply there, in every window, in every room. Mornings start slow. Coffee on the balcony while the water is still glass and the first boats ease out of the marina below. By ten the bay has picked up its chop and its color, and the light comes off it and onto your ceilings in a way you'll catch yourself watching from the kitchen. Afternoons belong to the water -- paddle board, boat, or the long walk down to the pier. Three bedrooms and three full baths mean the people you love can actually stay. Guests wake up to the same bay you do. Grandkids claim the balcony. The primary suite faces the water, so the last thing you see at night and the first thing you see in the morning is the bay, quiet and lit. The 1916-square-foot floor plan lives large without feeling cavernous -- the height does that. The kitchen opens to the living space so no one is cooking alone. 685 square feet of balcony wraps the living areas, wide enough for a real table, a grill, and chairs that don't get folded up and put away. The building's amenities -- gym, owner's party area, private pier, boat slips available to lease next door -- sit just downstairs. Marina Landing is a residential waterfront community, not a rental building. No vacation rentals, six-month minimum lease. That's why the halls are quiet and the neighbors know your name. Penthouses in this building don't come up often, and eleven-foot ceilings with bay views from every window is a combination you can't renovate your way into. This one is pristine and ready for you. Come see what the light does at five o'clock.

Highlights

Listed by Gene Darden , 205-426-1113 Real Broker LLC , 855-450-0442. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2928 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Marina Landing

Listing ID

795048

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Water Heater, Wine Cooler
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resid Single Family
Others:
  • ▪ Additional:Barbecue, Dock
Sewer:Public Sewer
Principal Interest
$3,199
Taxes
$491
HOA
$2,928

Home Price

$579,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$115,800
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Monthly Price:
$3,198.89

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,198.89 $491.08 $2,928.00 $6,617.97
Yearly $38,386.70 $5,892.96 $35,136.00 $79,415.66
Total $1,151,600.98 $176,788.80 $1,054,080.00 $2,382,469.78

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T03:46:57.000Z

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