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Harrison Lilly

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

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249 Oxford Ave , Panama City Beach, FL 32413
$505,500
Est. Payment: $2,563.53/mo
3 Bed
2 Bath
1579 Sqft
Status: active | Days on site: 70
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome home to one of Panama City Beach's most coveted neighborhoods, Palmetto Trace. This beautifully updated 3-bedroom, 2-bathroom residence offers 1,579 square feet of thoughtfully refreshed living space, perfectly positioned in the heart of everything that makes PCB such an exceptional place to call home. Step inside and feel the difference. Brand-new Luxury Vinyl Plank flooring flows seamlessly throughout the entire home, delivering a clean, modern aesthetic that's as durable as it is stunning. The kitchen has been completely transformed with new cabinetry and updated countertops, creating a space that inspires everything from quiet morning coffee to entertaining friends and family. The refreshed bathroom rounds out the interior upgrades, giving this home a true move-in-ready feel from the moment you walk through the door. But the real opportunity? The backyard. Expansive and full of potential, this generous outdoor space is a blank canvas ready for your vision, whether that's a resort-style pool, a covered entertainment area, a lush garden retreat, or the ultimate Florida outdoor living experience. In a market where outdoor space is gold, this yard delivers. Location is everything, and Palmetto Trace puts you at the center of it all: Pier Park, World-class shopping, dining, and entertainment minutes away. Frank Brown Park, Premier sports complex right in your backyard. Aaron Bessant Park, Beautiful green space and community events. Russell Fields Pier, Iconic fishing and coastal lifestyle access. PCB's only dog-friendly beach section, Perfect for your four-legged family members. Northwest Florida Beaches International Airport (ECP), Only 15 minutes away. Tallahassee Memorial Hospital (coming soon), A major medical facility arriving nearby, bringing long-term value and stability to the surrounding area. Palmetto Trace isn't just a neighborhood, it's a lifestyle. Families, professionals, investors, and beach lovers all recognize what this community offers, and homes here don't last long. Whether you're looking for your primary residence, a 2nd home, or a smart long-term rental investment, this property checks every box. Opportunities like this don't come around often. Schedule your private showing today.

Highlights

Listed by O M Orellana , 850-931-2272 Counts Real Estate Group Inc , 850-231-1483. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.05

HOA Fee

249 Quarterly

Year Built

2003

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Palmetto Trace Phase 2

Listing ID

790701

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),Heat Pump
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Smart Thermostat, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:150'x70'
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Porch
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,564
Taxes
$32
HOA
$249

Home Price

$505,500

Loan Details

30 yrs
6.528%

Down Payment

20%
$101,100
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:
$2,563.53

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,563.53 $32.00 $249.00 $2,844.53
Yearly $30,762.41 $384.00 $2,988.00 $34,134.41
Total $922,872.36 $11,520.00 $89,640.00 $1,024,032.36

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