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Harrison Lilly Team

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

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Lot 39 Powell Lake , Panama City Beach, FL 32413
$1,000,000
Est. Payment: $5,524.86/mo
5.58 Acres
Status: Active | Days on site: 259
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Harrison Lilly Team
Owner/Operator

House Description

Rare Waterfront Opportunity: 5.58-Acre Powell Lake Parcel with ~300' Pristine Shoreline - Panama City Beach Area. Tucked in a peaceful northwestern cove of Powell Lake--Florida's (and North America's) largest coastal dune lake at nearly 800 acres--this expansive 5.58-acre lot offers a truly one-of-a-kind canvas amid Northwest Florida's evolving landscape. Designated as an 'Outstanding Florida Waters' gem, the lake's brackish ecosystem supports exceptional boating, jet skiing, paddling, and wildlife viewing, with enhanced public access via Bay County's self-service kayak kiosk at the nearby boat ramp. Boasting approximately 300 feet of direct, serene shoreline, this property delivers unmatched privacy and natural beauty--perfect for envisioning a custom waterfront retreat, eco-lodge, family compound, or long-term hold in a region where true lakefront acreage grows scarcer by the day. Strategically positioned between the prestigious gated communities of Watersound Origins and Wild Heron, you're steps from resort-style amenities: Greg Norman-designed Shark's Tooth Golf Course, pools, nature trails, and more. Panama City Beach's west-end growth continues strong into 2026, with ongoing developments, new attractions (Topgolf, Pirates Voyage), shopping, and dining just minutes away--boosting lifestyle and investment upside. Note on Access: This parcel is currently without legal road ingress/egress (water access only via the lake), a known condition reflected in the pricing and history. Ongoing regional dynamics--including potential future interest from major landowners like St. Joe Company--could open pathways for resolution, but buyers should conduct due diligence on access options, easements, or water-based use. In a market where coastal dune lake shoreline is increasingly prized, this blank-slate waterfront rarity stands out for visionaries ready to explore its potential. Priced to reflect the unique circumstances--don't miss your chance to own a piece of this irreplaceable Emerald Coast treasure.

Highlights

Listed by Mark Oberg , 404-406-4887 Berkshire Hathaway HomeServices Beach Properties of Florida , 850-252-4160. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
5.58

County

Bay

Area

03 - Bay County - Beach

Neighborhood

[No Recorded Subdiv]

Listing ID

783442

Questions about this listing?

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Interior Features

Exterior Features

Lot Dimensions:140' x 210' x750' x 345' x 666'
Zoning:Other - See Remarks
Principal Interest
$5,525
Taxes
$179

Home Price

$1,000,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$200,000
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:
$5,524.86

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,524.86 $178.92 $0.00 $5,703.77
Yearly $66,298.27 $2,147.00 $0.00 $68,445.27
Total $1,988,948.15 $64,410.00 $0.00 $2,053,358.15

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS