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Harrison Lilly Team

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: $2,900.00/mo
4 Bed
3 Bath
2191 Sqft
0.18 Acres
Status: Active | Days on site: 308
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Harrison Lilly Team
Owner/Operator

House Description

LOCATION, LOCATION, LOCATION -- CLOSE TO BEACH WITH A UNIQUE IN-LAW/GUEST SUITE! Welcome to Moonraker Circle, where coastal living meets flexibility, privacy, and convenience. Located just .5 of a mile from M.B. Miller County Pier and the beautiful beaches of Panama City Beach, this distinctive 4-bedroom, 3-bath home has 2,191 heated/cooled sq. ft. and 2,862 sq. ft. under roof, with a layout that provides exceptional versatility. One of the home's standout features is the in-law/guest suite under the same roof as the main home, complete with its own private exterior entrance and an interior connecting door. The suite includes a bedroom, full bathroom with a large walk-in shower, laundry closet designed for a stackable washer/dryer, full kitchen with dining area, and living room. It's an ideal space for extended family, guests, or anyone wanting additional privacy and flexibility. The main home features a 3-bedroom, 2-bath split-bedroom floor plan with an open-concept living, dining, and kitchen area. The spacious primary bedroom measures approximately 14' x 16' and includes a large walk-in closet and ensuite bathroom with double vanity, garden tub, separate shower, and private toilet room. The two additional bedrooms each feature walk-in closets and share a full bathroom. Step outside to the screened back porch overlooking the neighborhood pond, complete with a relaxing fountain. Enjoy your morning coffee while taking in the peaceful water view or unwind in the evening with a glass of wine. The fenced yard provides added privacy and is convenient for pets. Additional highlights include: • Two-car garage plus additional parking area for a third vehicle • Shaw luxury vinyl plank flooring throughout the main living areas and guest suite • Two main-home bedrooms re-carpeted in January 2025 • New HVAC unit on main house August 2026 • Exterior repainted December 2024 • Additional interior rooms painted fall 2025 • Crown molding in main living areas • 3'' plantation shutters throughout the main home • Separate laundry room with cabinets and full-size washer/dryer space • Keyless front-door entry • Wyze doorbell camera and PTZ driveway/road camera • Low-voltage lighting along the rear and side yards • Fenced yard with privacy and pet-friendly functionality The $400 quarterly HOA fee provides maintenance of the community pool and bathrooms, covered cookout area and grill, dog park, doggie stations, and approximately 4.3 acres of maintained common-area grounds. Moonraker Circle is a pet-friendly community. And the location is hard to beat -- close to the beach, restaurants, gyms, major grocery stores, home improvement centers, Shipwreck Island, and countless Panama City Beach attractions. If you're looking for a home that provides beach proximity, peaceful water views, flexible living space, and a truly versatile guest/in-law suite, this one deserves a closer look. 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
$2,900
Taxes
$377
HOA
$400

Home Price

$524,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$104,980
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Monthly Price:
$2,900.00

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,900.00 $376.59 $400.00 $3,676.59
Yearly $34,799.96 $4,519.10 $4,800.00 $44,119.06
Total $1,043,998.88 $135,573.00 $144,000.00 $1,323,571.88

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

© 2026 Bay County Association of REALTORS