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Harrison Lilly

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

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171 White Cap Way , Panama City Beach, FL 32407
$315,000
Est. Payment: $1,597.45/mo
3 Bed
3 Bath
1432 Sqft
Status: active | Days on site: 50
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Palm Cove in Panama City Beach centrally located community just a short drive to the beach, dining, and shopping. This beautifully updated home is your ticket to affordable beach living. being a spacious 3-bedroom, 2.5-bath attached single-family this unit offers a functional layout with level entry, making it ideal for full-time living, or a second home. The main living area features an open floor plan with plenty of natural light, creating a comfortable space to relax or entertain. The primary suite along with additional half bath and laundry are also on main floor. Upstairs, you'll find two generously sized bedrooms, along with ample storage and closet space. The home can be purchased furnished (negotiable) with an acceptable offer making it truly move-in or rental ready. Palm Cove residents enjoy access to community pools and a low-maintenance lifestyle, all within close proximity to the beach and local attractions. Whether you're a first-time homebuyer, looking for a coastal getaway, or seeking a property with short-term rental potential, this one checks the boxes. Schedule your showing today and see what Palm Cove living is all about.

Highlights

Listed by Sandi Smith , 229-326-2998 Dalton Wade Inc , 888-668-8283. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.04

HOA Fee

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Palm Cove

Listing ID

788160

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Other:
  • Additional:Main Level Primary, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:25X65
Zoning:Resid Single Family
Roof:Shingle
Principal Interest
$1,597
Taxes
$273
HOA
$0

Home Price

$315,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$63,000
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:
$1,597.45

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,597.45 $272.67 $0.00 $1,870.12
Yearly $19,169.46 $3,272.00 $0.00 $22,441.46
Total $575,083.67 $98,160.00 $0.00 $673,243.67

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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