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Harrison Lilly

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

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128 S Wells St , Panama City Beach, FL 32413
$395,000
Est. Payment: $2,003.37/mo
3 Bed
2 Bath
950 Sqft
Status: pending | Days on site: 68
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Beautifully maintained coastal home in a quiet, golf cart-friendly community just 0.3 miles from the beach! This 3-bedroom, 1.5-bath home offers the perfect blend of comfort, low maintenance, and outdoor living. Enjoy quartz countertops in the kitchen and main bathroom, custom cabinets to the ceiling, stainless steel appliances (microwave, electric stove, dishwasher, and French door refrigerator), and vinyl plank flooring throughout with textured walls and ceilings. The property is designed for easy living with maintenance-free landscaping, featuring river rock, lush perennials, and seven palm trees. Relax in your private backyard oasis complete with a fish pond and fountain, fire pit, and a 10x12 gazebo overlooking a spacious 408 sq ft paver patio--perfect for entertaining or enjoying the coastal breeze. On many days, you can even hear the waves. The fully fenced backyard includes a 6-ft privacy fence with two walk-through gates and a 10-ft drive-through gate. With no neighbors behind or to the north and protected land beyond, you'll enjoy rare privacy and peaceful surroundings. Additional highlights include: Hurricane impact windows with Smart Sun features and grids. 16x24 garage with space for a car, golf cart, and storage. Private Outdoor shower (6x6) with built-in seating. RV electric hookup and extended driveway. Ample parking for boats, jet skis, RV, and multiple vehicles. Storage shed and large lot with room for a pool. Well irrigation system for landscaping. Updated bathroom vanities and medicine cabinets. Matching ceiling fans, upgraded baseboards, and fresh paint. Vinyl siding in excellent condition. Annual termite and pest maintenance. Located in a quiet, established neighborhood with no short-term rentals allowed (6 months + 1 day minimum), this home offers a peaceful lifestyle just minutes from the beach--walk there in minutes or bike in under two.

Highlights

Listed by Kelly L Stiles , 850-319-5132 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.16

Year Built

1970

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Miramar Heights

Listing ID

789345

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Electric Range
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Soaking Tub

Exterior Features

Lot Dimensions:120x60
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Outdoor Shower
Sewer:Public Sewer
Principal Interest
$2,003
Taxes
$91

Home Price

$395,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,000
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:
$2,003.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,003.37 $90.67 $0.00 $2,094.03
Yearly $24,040.39 $1,088.00 $0.00 $25,128.39
Total $721,211.57 $32,640.00 $0.00 $753,851.57

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

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