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Harrison Lilly

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

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223 Middleburg Dr , Panama City Beach, FL 32413
$438,000
Est. Payment: $2,221.45/mo
3 Bed
2 Bath
1610 Sqft
Status: active with contingency | Days on site: 37
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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 Newly renovated and move-in ready, this beautifully updated 3-bedroom, 2-bath home in the highly sought-after Phase IV of Palmetto Trace offers 1,610 square feet of stylish, functional living space just minutes from the white-sand beaches of Panama City Beach. Recognized as one of the more desirable floor plans built by David Weekley Homes, this thoughtfully designed residence offers an exceptional blend of comfort, functionality, and coastal style. Situated on one of the few double lots in the neighborhood, this property offers an exceptional amount of space, added privacy, and room to breathe between neighboring homes. The expansive lot backs up to a mature-wooded area, creating a private backyard setting and a rare sense of seclusion within the community. The generous lot provides incredible flexibility for future possibilities, including potential home expansion, additional outdoor living areas, or the addition of a private pool, making this a truly unique opportunity within the neighborhood. The home also features a convenient two-car garage, providing ample space for vehicles, storage, and beach lifestyle essentials. Step inside to discover an inviting open layout featuring luxury vinyl plank flooring throughout the main living areas, kitchen, bathrooms, bonus room, and primary bedroom, creating a seamless, modern feel throughout much of the home. The two additional bedrooms are comfortably carpeted and thoughtfully positioned near the second bathroom. The home features impressive 10-foot ceilings throughout, including the garage, creating an open and spacious feel rarely found in many homes of this size. At the heart of the home, the recently renovated kitchen showcases elegant quartz countertops, stainless steel appliances, abundant cabinetry, and a functional layout that is perfect for everyday living and entertaining. A standout feature of this home is the renovated bonus room, offering a versatile flex space that can easily serve as a home office, playroom, media room, fitness area, or second living space. Filled with natural light, this room features an energy-efficient ductless mini-split heating and air conditioning system, providing year-round comfort with independent climate control. Designed with a desirable split-bedroom floor plan, the spacious primary suite is situated away from the two additional bedrooms, creating both a comfortable and private retreat. The primary suite features luxury vinyl plank flooring, an en-suite bath, and a generous walk-in closet, while the secondary bedrooms provide comfortable accommodations for family and guests. This charming community welcomes residents with tree-lined streets shaded by mature oak trees, beautifully maintained sidewalks, two community swimming pools, low HOA dues, and a golf cart-friendly neighborhood. With two convenient community entrances, accessing nearby destinations is simple and convenient. Enjoy easy access to popular Panama City Beach attractions including Pier Park, Frank Brown Park, Gayle's Trails, Topgolf, and Pirate's Voyage Dinner & Show, along with premier shopping, dining, entertainment, and the emerald waters of the Gulf. Whether you're looking for a full-time residence, a vacation getaway, or an investment opportunity, this turnkey home delivers modern renovations, a highly sought-after David Weekley floor plan, impressive ceiling heights, flexible living space, a rare double lot with privacy, and an exceptional coastal location. Don't miss your chance to make 223 Middleburg Drive your own! SELLER IS OFFERING UP TO $10,000 TOWARD BUYER'S CLOSING COSTS, PREPAID EXPENSES, AND/OR INTEREST RATE BUY-DOWN WITH AN ACCEPTABLE OFFER.

Highlights

Listed by Nathan E Giles , 770-883-4752 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.35

HOA Fee

249 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Palmetto Trace Phase IV

Listing ID

792454

Questions about this listing?

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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, Jetted Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:110X144X139X145
Roof:Composition,Shingle
Others:
  • Additional:Rain Gutters
Sewer:Public Sewer
Principal Interest
$2,221
Taxes
$279
HOA
$249

Home Price

$438,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$87,600
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:
$2,221.45

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,221.45 $279.23 $249.00 $2,749.68
Yearly $26,657.44 $3,350.70 $2,988.00 $32,996.14
Total $799,723.21 $100,521.00 $89,640.00 $989,884.21

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

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