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Harrison Lilly Team

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

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636 W Caladium Circle B , Panama City Beach, FL 32413
$345,000
Est. Payment: $1,906.08/mo
2 Bed
2 Bath
1088 Sqft
0.04 Acres
Status: Pending | Days on site: 187
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BSA2 - B12752,BNONA,B12621
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

Fully Furnished Boho Beach Bungalow - No HOA! Welcome to this charming 2BR/2BA coastal retreat, ideally located near Panama City Beach with convenient access to public beach entry. Whether you're looking for a turn-key vacation rental, second home, or full-time residence, this property is move-in ready and designed for easy coastal living. Inside, you'll find stylish boho-inspired furnishings, inviting living spaces, and a well-equipped kitchen with everything you need. A new A/C installed March 2026 with transferable 10-year warranty adds peace of mind, while the in-unit washer and dryer offer everyday convenience. Enjoy outdoor living with a private balcony and backyard space, perfect for relaxing after a day at the beach. The spacious driveway provides parking for two vehicles. No HOA and short-term rental potential make this a standout opportunity near the beach!
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Highlights

Listed by Sonja J Givens Cope , 850-814-8577 and Non Member , 850-814-8577 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome
Lot/Acreage
0.04

Year Built

1982

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Open Sands

Listing ID

784966

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range
Other:
  • ▪ Additional:Upper Level Primary

Exterior Features

Lot Dimensions:1700
Sewer:Public Sewer
Principal Interest
$1,906
Taxes
$297

Home Price

$345,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$69,000
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:
$1,906.08

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,906.08 $297.33 $0.00 $2,203.41
Yearly $22,872.90 $3,568.00 $0.00 $26,440.90
Total $686,187.11 $107,040.00 $0.00 $793,227.11

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

© 2026 Bay County Association of REALTORS