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Harrison Lilly

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

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215 Wiregrass Ln , Panama City Beach, FL 32407
$448,000
Est. Payment: $2,272.17/mo
3 Bed
2 Bath
1509 Sqft
Status: active | Days on site: 188
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Ocean Mist--one of Panama City Beach's hidden coastal gems. This quiet, gated community of only 24 craftsman-style homes offers a rare low-density beach lifestyle with sidewalks, underground utilities, and a secluded community pool complete with a shaded pergola--all just a short stroll from the sugar-white sands and emerald waters of the Gulf. Built with upgraded 2x6 exterior walls rather than standard 2x4 construction, this home provides enhanced durability, insulation, and energy efficiency. Meticulously maintained and thoughtfully upgraded, the one-story ''Windsong'' floor plan features 3 bedrooms, 2 baths, soaring 9-foot ceilings, and an inviting open-concept design with a desirable split-bedroom layout. The beautifully designed kitchen showcases custom solid-wood cabinetry, quartz countertops, stainless steel appliances, upgraded fixtures, and breakfast bar seating--perfect for casual gatherings after a day at the beach. The spacious primary suite serves as a relaxing retreat with a tray ceiling, oversized walk-in closet, double vanities, and a custom tiled walk-in shower with spa-like appeal. Two additional bedrooms and a well-appointed guest bath provide comfortable accommodations for family and guests alike. Outdoors, enjoy your own private retreat featuring a retractable sunshade that creates the perfect setting for morning coffee, evening cocktails, or outdoor entertaining year-round. Additional features include plantation shutters throughout, hurricane shutters, sprinkler system, durable flooring, dedicated laundry room, and a two-car garage with an additional refrigerator. The home is also equipped with a Generac-wired 110 electrical service for easy generator hookup, and both the generator and window-unit HVAC convey with the sale. Built in 2016 and maintained in exceptional condition, this home offers effortless, low-maintenance coastal living with peace of mind. Ideally located south of Highway 98, you'll enjoy quick beach access while being only minutes from Pier Park, Topgolf, Pirate's Voyage, Fresh Market, Target, premier dining, shopping, and local golf courses. The quarterly HOA fee includes gated entry, community amenities, and even weekly trash service--adding convenience to the relaxed coastal lifestyle. Whether you're searching for a full-time residence, second home, or turnkey beach retreat, this exceptional Ocean Mist property offers the perfect blend of comfort, quality, and location--close to everything, yet tucked away from the crowds. All measurements are approximate, buyer should verify if important,

Highlights

Listed by Beth Christie , 850-832-9417 Local Insight Realty , 850-832-9417. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

2168 Annually

Year Built

2016

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Ocean Mist

Listing ID

784742

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:89x67
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Patio
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$2,272
Taxes
$286
HOA
$2,168

Home Price

$448,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$89,600
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:
$2,272.17

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,272.17 $285.60 $2,168.00 $4,725.77
Yearly $27,266.06 $3,427.20 $26,016.00 $56,709.26
Total $817,981.73 $102,816.00 $780,480.00 $1,701,277.73

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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