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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
0.38 Acres
Status: Active | Days on site: 20
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EEXX - E33984
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

Move-in ready and fully renovated, this 3-bedroom, 2-bathroom home in Panama City Beach offers modern updates, an oversized backyard, and a convenient location near the beach, marina, Navy base, shopping, dining, and more. Inside, you'll find new flooring, fresh interior paint, updated lighting, shaker-style trim, and vaulted ceilings in the main living area, creating an open and inviting feel. The updated kitchen features new quartz countertops and newer stainless steel appliances, perfect for everyday living and entertaining. The primary suite includes a beautifully updated bathroom with a tile shower and new vanity, while updated windows throughout add to the home's refreshed feel. One of the standout features is the oversized backyard--one of the largest in the neighborhood. With plenty of space for entertaining, pets, gardening, recreational storage, or even a future pool, the possibilities are endless. Located just a few miles from Captain Anderson's Marina and minutes from Panama City Beach's white-sand beaches, restaurants, shopping, entertainment, and attractions. Naval Support Activity Panama City, Gulf Coast State College, and Panama City are also conveniently nearby. Enjoy a beautifully updated home with plenty of outdoor space in a location that keeps you close to everything Panama City Beach has to offer.
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Highlights

Listed by Morgan L Benton , 850-851-5508 EXP Realty LLC , 888-883-8509. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.38

HOA Fee

Year Built

1986

County

Bay

Area

27 - Bay County

 Neighborhood

North Lagoon Heights Phase II

Listing ID

1012506

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Microwave, Range Hood, Refrigerator W/IceMk, Smoke Detector
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Ceiling Crwn Molding, Ceiling Vaulted, Fireplace, Guest Quarters, Newly Painted, Split Bedroom, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Cul-De-Sac,Irregular
Lot Dimensions:irregular
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Sprinkler System, Yard Building, Patio Covered, Porch, Fenced Lot-Part
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$2,182
Taxes
$213
HOA
$0

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

Principal Taxes HOA Total
Monthly $2,182.32 $212.86 $0.00 $2,395.18
Yearly $26,187.82 $2,554.32 $0.00 $28,742.14
Total $785,634.52 $76,629.60 $0.00 $862,264.12

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T04:14:31.000Z

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