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Harrison Lilly Team

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

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323 Prudence Ln , Panama City Beach, FL 32408
$395,000
Est. Payment: $2,182.32/mo
3 Bed
2 Bath
1332 Sqft
0.37 Acres
Status: Active | Days on site: 20
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Harrison Lilly Team
Owner/Operator

House Description

Move-in ready and fully renovated, this 3-bedroom, 2-bathroom home in Panama City Beach offers modern updates, a large backyard, and a convenient location near the beach, marina, Navy base, shopping, dining, and everyday conveniences. Inside, you'll find new flooring, fresh interior paint, updated lighting, shaker-style trim throughout, and vaulted ceilings in the main living area that create an open and inviting feel. The updated kitchen features new quartz countertops and newer stainless steel appliances, making it perfect for both everyday living and entertaining. The primary suite includes a beautifully updated bathroom with a tile shower and new vanity. Updated windows throughout the home add to the refreshed, move-in-ready feel. One of the standout features of this property is the oversized backyard one of the largest yards in the neighborhood. There is plenty of outdoor space for entertaining, pets, play areas, gardening, boat or recreational storage, or the possibility of adding a future pool. Located just a few short miles from Captain Anderson's Marina, this home puts boating, fishing, and the Panama City Beach lifestyle within easy reach. You're also only minutes from the white sand beaches, local restaurants, shopping, entertainment, and attractions throughout Panama City Beach. For buyers looking for a home near Naval Support Activity Panama City, Gulf Coast State College, or Panama City, this location offers added convenience. The Navy base is nearby, and the Hathaway Bridge provides quick access to Gulf Coast State College, Panama City, and surrounding Bay County destinations. If you've been searching for a renovated 3 bedroom home in Panama City Beach with a large backyard, updated kitchen and bathrooms, and easy access to the beach and marina, this property checks all the boxes.

Highlights

Listed by Morgan Benton , 850-851-5508 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.37

HOA Fee

255 Annually

Year Built

1986

County

Bay

Area

03 - Bay County - Beach

Neighborhood

North Lagoon Heights Phase II

Listing ID

794972

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Shower Only

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:0 x 0
Roof:Metal
Others:
  • ▪ Additional:Fire Pit
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,182
Taxes
$213
HOA
$255

Home Price

$395,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,000
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:
$2,182.32

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,182.32 $212.86 $255.00 $2,650.18
Yearly $26,187.82 $2,554.32 $3,060.00 $31,802.14
Total $785,634.52 $76,629.60 $91,800.00 $954,064.12

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

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