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Harrison Lilly

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

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206 Middleburg Dr , Panama City Beach, FL 32413
$435,000
Est. Payment: $2,206.24/mo
3 Bed
2 Bath
1657.99 Sqft
Status: active | Days on site: 54
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Palmetto Trace, a golf cart-friendly community offering convenient access to Pier Park, Frank Brown Park, and the white sand beaches of Panama City Beach. Residents enjoy sidewalks throughout the neighborhood, flowering trees, pet-friendly walking areas, two community pools, low quarterly HOA dues, and garbage service provided by the HOA. This well-maintained home features a split-bedroom floor plan with spacious bedrooms and an inviting layout. The kitchen offers a large pantry, newer appliances, and a sunny breakfast nook overlooking the peaceful backyard where mature flowering trees create a beautiful setting throughout the seasons. Step outside to the screened porch, an ideal place to enjoy Florida's outdoor lifestyle while taking in the backyard views and local wildlife. The oversized two-car garage provides ample space for vehicles and additional storage. Recent updates include a roof installed in December 2018 with a 40-year shingle, a water heater replaced in June 2023, and a freshly painted exterior. Pride of ownership is evident throughout this exceptionally cared-for home, offering a move-in ready opportunity in one of Panama City Beach's most desirable communities.

Highlights

Listed by Heather H Neubauer , 850-774-2832 ERA Neubauer Commercial , 850-230-3665. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

2005

County

Bay

Area

27 - Bay County

Neighborhood

Palmetto Trace

Listing ID

1006465

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Microwave, Refrigerator, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet New
Other:
  • Additional:Breakfast Bar, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Sidewalk
Lot Dimensions:126x64.46x121x73.52
Zoning:City
Others:
  • Additional:Fenced Back Yard, Porch, Porch Screened, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$2,206
Taxes
$184
HOA
$0

Home Price

$435,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$87,000
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:
$2,206.24

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,206.24 $184.02 $0.00 $2,390.26
Yearly $26,474.86 $2,208.21 $0.00 $28,683.07
Total $794,245.65 $66,246.30 $0.00 $860,491.95

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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