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Harrison Lilly

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

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231 Middleburg Dr , Panama City Beach, FL 32413
$484,900
Est. Payment: $2,459.32/mo
4 Bed
3 Bath
2425 Sqft
Status: active | Days on site: 104
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

(MOTIVATED SELLER) Just a short drive from the white sand beaches and the energy of Panama City Beach, this home offers the kind of everyday living that feels easy, comfortable, and connected to everything people love about the area. Step inside and you're greeted by natural light that carries through the main living spaces, creating a bright, relaxed setting that works just as well for quiet mornings as it does for evenings with friends and family. The flow between the living, dining, and kitchen areas makes it simple to stay connected, whether you're cooking dinner, hosting game night, or just catching up after a long day. The kitchen is designed for real life, with plenty of space to prep, gather, and keep things moving without feeling crowded. Bedrooms offer a private retreat at the end of the day, with a calm, comfortable feel that makes it easy to unwind. The primary suite gives you a place to reset, while additional rooms provide flexibility for guests, a home office, or whatever fits your lifestyle. Out back, there's room to enjoy Florida living the way it's meant to be. Whether it's weekend cookouts, letting pets roam, or simply enjoying the fresh air, the outdoor space adds another layer of livability to the home. Located in a growing area with convenient access to shopping, dining, and entertainment, this property also keeps you close to the Gulf without the constant hustle. It's a setting that works for full-time living, a second home, or an investment opportunity. This is the kind of home where daily routines feel a little more enjoyable, and where time spent at home is something to look forward to.

Highlights

Listed by Parker Hakenewert , 850-819-5624 and Ashton Wellborn , (448) 205-8830 Salty Marlin Realty LLC , 850-615-2406. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.19

HOA Fee

518 Quarterly

Year Built

2006

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Palmetto Trace

Listing ID

789564

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:65x130
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Principal Interest
$2,459
Taxes
$244
HOA
$518

Home Price

$484,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$96,980
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:
$2,459.32

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,459.32 $244.00 $518.00 $3,221.32
Yearly $29,511.86 $2,928.00 $6,216.00 $38,655.86
Total $885,355.67 $87,840.00 $186,480.00 $1,159,675.67

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

© 2026 Bay County Association of REALTORS