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Harrison Lilly Team

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

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101 Cain Road H , Panama City Beach, FL 32413
$209,900
Est. Payment: $1,159.67/mo
1 Bath
410 Sqft
Status: Active | Days on site: 165
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OIRE - B10585
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
Owner/Operator
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House Description

Owner Financing Available With Acceptable Terms! This first floor condo (NO Stairs to Climb) located at Pirate's Cove offers affordable living just steps to the water. This quaint community offers beautiful views of Lake Powell where you can enjoy a day of jet skiing, kayaking and paddleboarding all the way to the gulf. There is also a pier for a day of fishing, a boat launch and two community pools, one of which is directly off of the patio and the other overlooks the lake. This cozy, first floor studio unit comes fully furnished and will be perfect for a rental or to call home. At Pirate's Cove, you are just a short commute to the beach, Camp Helen State Park and great shopping, dining and attractions that 30A and Panama City Beach offer. Don't miss out on this opportunity to own an affordable piece of paradise. Buyer to verify all information deemed important.
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Highlights

Listed by Holly G Watkins , 850-730-4435 Own It Real Estate LLC , 850-867-0506. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

750 Quarterly

Year Built

1990

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Pirate's Cove Inlet Condo Ph 3

Listing ID

788605

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Range
Air Cond:Wall Unit(s)
Fireplaces:

Exterior Features

Lot Dimensions:Condo
Roof:Composition,Shingle
Others:
  • ▪ Additional:Boat Ramp, Dock
Sewer:Public Sewer
Principal Interest
$1,160
Taxes
$147
HOA
$750

Home Price

$209,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$41,980
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:
$1,159.67

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,159.67 $147.33 $750.00 $2,057.00
Yearly $13,916.01 $1,768.00 $9,000.00 $24,684.01
Total $417,480.22 $53,040.00 $270,000.00 $740,520.22

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS