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Harrison Lilly

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

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123 Moonraker Cir , Panama City Beach, FL 32407
$524,900
Est. Payment: $2,662.19/mo
4 Bed
3 Bath
2191 Sqft
Status: active | Days on site: 251
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Harrison Lilly
Owner/Operator

House Description

LOCATION LOCATION LOCATION! Enjoy serene water views from the back porch, featuring a spacious in-law/guest suite with private entrance, and a fenced yard perfect for privacy and pets. Welcome home to Moonraker Circle! This home is 5/10ths of a mile to the M.B. Miller county pier with beautiful beaches all around and close to restaurants, gyms, major grocery chains, home improvement centers, Shipwreck Island, and so much more. Don't miss the opportunity to own this unique 4 bedroom 3 bath home as it has an inlaw/guest suite under the same roof as the main home with a private exterior entrance and also a connecting door inside the main home. This home is situated on a .18 acre lot on a neighborhood pond with a nice view and relaxing sounds of a fountain. A screened back porch looks out onto the pond for either those mornings with a cup of coffee or a leisure evening with a glass of wine looking for a sunset. The exterior of the home was repainted in December 2024 with other interior rooms painted in the fall of 2025. The main part of the home is a 3 bedroom 2 full bath split plan with an open floor plan consisting of a living, dining and kitchen area. The master bedroom is 14' x 16' and the master bathroom includes a double vanity with a large walk-in closet, garden tub, shower and separate toilet room. The other 2 bedrooms share a full bath with each bedroom having a walk in closet. A separate laundry room with laundry cabinets accommodates full size washer/dryer units. The in-law/guest suite has a 12' x 11' 2'' bedroom, a bathroom offering a large walk-in shower with a laundry closet sized for a stack washer/dryer unit. It has an open floor plan consisting of a full kitchen w/dining area and living room. This home has a two car garage with a separate parking area adjacent to the driveway for a third vehicle. The total area of this home is 2862 sq. ft. under roof with 2191 heated/cooled sq ft. The main home has Shaw luxury vinyl plank (grey oak) in all parts of the home except for the two bedrooms which were re-carpeted in January 2025. The in-law/guest suite has the same Shaw luxury vinyl plank throughout. Crown molding is installed in the main areas of the house with 3'' Plantation shutters installed on all windows in the main home. Added conveniences with this home are a keyless entry on the front door, a Wyze ring doorbell camera along with a Wyze PTZ camera on the front driveway and road area. It has a fenced yard with low voltage lighting on the back and side yards. Moonraker Circle does have an HOA with $400/quarterly dues which provides for maintenance of a community pool and bathrooms, with a grill and covered area for cookouts. Moonraker Circle is a pet friendly neighborhood with two doggie stations and a dog park. There are approximately 4.3 acres of common area grounds, including the dog park, the Association maintains as well. Some photos have been virtually rendered.

Highlights

Listed by Steven Koleno , 804-656-5007 Beycome of Florida LLC , 804-656-5007. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.18

HOA Fee

400 Quarterly

Year Built

2019

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Moonraker

Listing ID

782046

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Other:
  • Additional:Interior Steps, Main Level Primary

Exterior Features

Lot:Sprinkler System
Lot Dimensions:.18
Roof:Composition,Shingle
Others:
  • Additional:Patio, Porch, Rain Gutters
Principal Interest
$2,662
Taxes
$377
HOA
$400

Home Price

$524,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$104,980
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:
$2,662.19

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,662.19 $376.59 $400.00 $3,438.79
Yearly $31,946.33 $4,519.10 $4,800.00 $41,265.43
Total $958,389.75 $135,573.00 $144,000.00 $1,237,962.75

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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