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Harrison Lilly

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

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138 White Cap Way , Panama City Beach, FL 32407
$339,900
Est. Payment: $1,723.91/mo
3 Bed
2 Bath
1305 Sqft
Status: active with contingency | Days on site: 19
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Turnkey and fully updated, this three-bedroom, two-bathroom home in the gated Palm Cove community offers the ideal setup for a full-time residence or an immediate rental property. This house is being sold mostly furnished with all-new furniture. Recent interior updates include new flooring, fresh paint throughout, new light fixtures and more. The newly installed vinyl plank flooring and furniture offer both modern appeal and the durability needed for the beach lifestyle. The attached one-car garage provides dedicated parking and storage. Outside, a new raised concrete patio overlooks a large wooded area that only a handful of homes in the community back up to. Residents of the Palm Cove subdivision enjoy access to a community pool and playground. This home is situated in the heart of Panama City Beach, just over a mile from one of the main public beach areas and near local restaurants like Saltwater Grill, Bella Roma Tuscan Grill, and Firefly. This home offers a great opportunity to join the beachy Florida lifestyle without breaking the bank!

Highlights

Listed by The Beninateam , 706-615-5336 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.11

HOA Fee

497 Quarterly

Year Built

2006

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Palm Cove Phase III

Listing ID

792988

Questions about this listing?

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Interior Features

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

Exterior Features

Lot:Paved
Lot Dimensions:50 x 109 x 34 x 109
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Deck, Patio
Sewer:Public Sewer
Principal Interest
$1,724
Taxes
$217
HOA
$497

Home Price

$339,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$67,980
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:
$1,723.91

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,723.91 $216.69 $497.00 $2,437.59
Yearly $20,686.90 $2,600.24 $5,964.00 $29,251.14
Total $620,607.12 $78,007.05 $178,920.00 $877,534.17

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