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Harrison Lilly Team

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

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120 Covington St , Panama City Beach, FL 32413
$654,800
Est. Payment: $3,617.68/mo
3 Bed
2 Bath
2002 Sqft
0.31 Acres
Status: Active | Days on site: 159
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Harrison Lilly Team
Owner/Operator

House Description

This impeccably maintained residence in Panama City Beach offers a rare opportunity to secure a quiet, residential lifestyle in an established, non-short-term rental community. Situated less than one mile from the Gulf and directly across from the premier dining and entertainment of Pier Park, this home perfectly balances convenience and luxury. The interior has undergone a comprehensive refresh, featuring crown molding, neutral paint, and beautiful luxury LVP flooring paired with premium carpeting installed in 2022. Every detail has been attended to, including the addition of solid wood interior doors with new hardware throughout. The floor plan includes a versatile den that offers excellent potential as a 4th bedroom. The chef-inspired kitchen features a 2023 appliance suite, and the primary bath, updated in 2023, boasts modern vanities, custom lighting, and a skylight. Outdoor living is elevated by a resort-style, heated and cooled gunite saltwater pool with a waterfall, complemented by professional landscaping and new fencing. Enhanced by a 2021 roof, spray foam insulation, and fabric hurricane shutters, this turnkey property offers exceptional utility efficiency and peace of mind.

Highlights

Listed by Shawn Dunne , 850-525-5875 Berkshire Hathaway HomeServices PenFed , 850-267-0013. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.31

HOA Fee

249 Quarterly

Year Built

2002

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Palmetto Trace Phase 1

Listing ID

788323

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Interior Features

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

Exterior Features

Lot Dimensions:112x134x60x125
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Outdoor Shower
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$3,618
Taxes
$269
HOA
$249

Home Price

$654,800

Loan Details

30 yrs
7.374%

Down Payment

20%
$130,960
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:
$3,617.68

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,617.68 $269.25 $249.00 $4,135.93
Yearly $43,412.11 $3,231.00 $2,988.00 $49,631.11
Total $1,302,363.25 $96,930.00 $89,640.00 $1,488,933.25

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS