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Harrison Lilly Team

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

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623 Fernwood Street A , Panama City Beach, FL 32407
$760,000
Est. Payment: $4,198.89/mo
4 Bed
4 Bath
2495 Sqft
Status: Active | Days on site: 46
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FLYNN - b11120
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Great investment opportunity on the beach! Spacious four bedroom, four bath home located just one block north of Front Beach Road. Enjoy gulf views from all three balconies or take a quick walk to the beach. Walking distance to several restaurants and bars. First-floor features one car garage and one bedroom with efficiency kitchen and full bath, perfect for separate rental. Second and third floors offer more oversized living areas, fresh paint in 2022 inside and out, new vinyl floor in 2021, sliding glass doors to balconies, granite countertops, breakfast bar, and third-floor master bedroom with gulf views. Electric shades on second floor balcony. Privacy railings on 1st and 2nd Floors. Can see fireworks from both piers (County and Pier Park) from 3rd Floor Balcony. Fantastic opportunity to live one block from the beach for an affordable price! Low maintenance costs and no HOA. Current Termite Bond with Arrow Pest. Home being sold in its as-is condition. All measurements and dimensions are approximate. More pictures provided upon request.
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Highlights

Listed by Susanne Flynn , 615-685-1041 Flynn Realty , 615-685-1041. Bay County Association of REALTORS

Property Type

Condo/Townhome

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

No Named Subdivision

Listing ID

788364

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Electric Cooktop, Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot Dimensions:N/A
Zoning:City
Roof:Metal
Others:
  • ▪ Additional:Covered Patio, Deck
Parking Features:Garage,Garage Door Opener
Principal Interest
$4,199
Taxes
$272

Home Price

$760,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$152,000
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:
$4,198.89

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,198.89 $272.25 $0.00 $4,471.14
Yearly $50,386.69 $3,267.00 $0.00 $53,653.69
Total $1,511,600.59 $98,010.00 $0.00 $1,609,610.59

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: 2026-10-07T05:07:46.000Z

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