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Harrison Lilly

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

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204 Middleburg Dr , Panama City Beach, FL 32413
$424,000
Est. Payment: $2,150.22/mo
3 Bed
2 Bath
1833 Sqft
Status: active | Days on site: 26
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Back on the market due to buyer personal issues nothing to do wtih the house. Welcome to Palmetto Trace, one of Panama City Beach's most desirable golf cart-friendly communities, where location, lifestyle, and convenience come together. Perfectly situated in the heart of Panama City Beach, this beautifully maintained home is just minutes from Pier Park, Frank Brown Park, the beach, Gayle's Trails, Topgolf, Pirate's Voyage Dinner & Show, and countless shopping, dining, and entertainment options. Inside, you'll find soaring vaulted ceilings, abundant natural light, and hardwood flooring throughout most of the home, creating a warm and inviting atmosphere. The recently renovated kitchen is designed for both everyday living and entertaining, featuring elegant quartz countertops, stainless steel appliances, abundant cabinetry, and a functional layout that opens to the main living areas. The spacious primary suite is a true retreat, offering French door access to the screened-in porch, two walk-in closets, and a private en-suite bath complete with a relaxing garden tub. Step outside to enjoy the screened patio, providing the ideal indoor-outdoor living space overlooking the low-maintenance fenced backyard. 2 additional bedrooms share a second bathroom. Additional highlights include a two-car garage with plenty of room for vehicles, storage, and all your beach lifestyle essentials. Palmetto Trace offers exceptional community amenities with a low annual HOA fee that includes professional management, trash service, sidewalks, two community pools with covered cabanas, tree-lined streets, and underground utilities. Two convenient neighborhood entrances make getting around effortless. The location truly sets this home apart. Enjoy easy access to Pier Park's premier shopping, dining, and entertainment, Frank Brown Park's renowned sports facilities, Aaron Bessant Park's concerts and community events, Russell-Fields Pier, Panama City Beach's dog-friendly beach, and Northwest Florida Beaches International Airport, located approximately 15 minutes away. The future Tallahassee Memorial Hospital campus nearby is expected to bring additional convenience and long-term value to the area. Whether you're looking for a full-time residence, a second home, or an investment in one of Panama City Beach's most sought-after communities, this home offers the perfect combination of comfort, convenience, and coastal living. Roof replaced 2021, HVAC 2018, Water Heater 2017 'Age, Square Footage, lot and room sizes approx, if important please verify.

Highlights

Listed by Beth Christie , 850-832-9417 Local Insight Realty , 850-832-9417. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.2

HOA Fee

249 Quarterly

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Palmetto Trace

Listing ID

793320

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Interior Features

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

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:70x122
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Porch
Sewer:Public Sewer
Principal Interest
$2,150
Taxes
$270
HOA
$249

Home Price

$424,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$84,800
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:
$2,150.22

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,150.22 $270.30 $249.00 $2,669.52
Yearly $25,802.70 $3,243.60 $2,988.00 $32,034.30
Total $774,080.87 $97,308.00 $89,640.00 $961,028.87

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