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Harrison Lilly

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

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19989 Front Beach Rd. #b , Panama City Beach, FL 32413
$4,350,000
Est. Payment: $22,062.38/mo
6 Bed
7 Bath
3878 Sqft
Status: active | Days on site: 340
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CONTACT LISTING AGENT TO DISCUSS NEW SELLER INCENTIVES BEING OFFERED. Welcome to beachfront luxury! ''Wait and Sea'' is a superbly constructed 6-bedroom, 6.5-bathroom home features high-end finishes and custom touches throughout. The open-concept kitchen showcases elegant fixtures and ample seating, flowing seamlessly into a spacious living area with breathtaking ocean views. Each bathroom is a masterpiece, with unique custom tile work for a spa-like experience. Enjoy endless entertainment in the rec room, complete with a pool table. Perfectly positioned for relaxation, this stunning property provides a sophisticated coastal retreat right on the water's edge.

Highlights

Listed by Bryan Kiefer , 850-830-2843 Holiday Beach Real Estate Inc , 850-660-5108. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.07

HOA Fee

Year Built

2024

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laguna Beach

Listing ID

777591

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:7
  • Full Bathrooms:6
  • 1/2 Bathrooms:1

Exterior Features

Lot Dimensions:30x105
Principal Interest
$22,062
Taxes
$2,773
HOA
$0

Home Price

$4,350,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$870,000
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:
$22,062.38

Principal

Taxes

Principal Taxes HOA Total
Monthly $22,062.38 $2,773.13 $0.00 $24,835.50
Yearly $264,748.55 $33,277.50 $0.00 $298,026.05
Total $7,942,456.53 $998,325.00 $0.00 $8,940,781.53

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Current Listings

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Average Days on Market

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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

© 2026 Bay County Association of REALTORS