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Harrison Lilly

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

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24400 Panama City Beach Pkwy Unit 205 , Panama City Beach, FL 32413
$389,000
Est. Payment: $1,972.73/mo
1 Bed
1 Bath
788 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

LAKEVIEW coastal condo and 1/4 mile to the beach offering a rare combination of privacy, location, and true livability. This first-floor, end-unit residence (1 bed / 1 bath, 800 sq ff) features a wrap-around porch with direct views of Lake Powell and an everyday connection to the water-sunrise light pours through the bedroom in the morning, while afternoons and evenings open onto expansive lake views and stunning sunsets. The porch functions as a true extension of the home and is used year-round, with steady views of paddleboarders, boats, and local wildlife in a setting that remains peaceful without feeling isolated. Also, this building is also not subject to Florida's Milestone Inspection requirements which has helped keep long term costs more stable and predictable compared to many condo buildings throughout the state. Inside, the unit was fully renovated in 2016 with a cohesive coastal design and an emphasis on open, functional space. This was a complete renovation rather than incremental updates, and the result is a turnkey interior with no deferred maintenance or cosmetic projects required. The community sits in a highly desirable location-approximately 1/4 mile from our beautiful Gulf beaches, 1.5 miles from 30A and the Rosemary Beach corridor (including Alys Beach, Seaside, Grayton Beach, and WaterColor), and about 5 miles from Pier Park. This positioning allows easy access to dining, shopping, and entertainment while avoiding the congestion and intensity of staying directly within those high-traffic areas. The property is part of a small, 10-unit building known for its quiet, respectful atmosphere. Short-term rentals are permitted, and the community has a strong rental history with consistent five-star guest experiences and no reported neighbor issues. The scale and expectations of the building contribute to a stable and well-functioning environment. Community amenities include two swimming pools, a community dock, and a boat ramp on Lake Powell, supporting both recreation and waterfront access. The association has been actively maintained with an exterior renovation completed in 2019 and pool updates in 2022. Financial management has remained consistent, with stable dues over the years and transparent operations. The building is also not subject to Florida's Milestone Inspection requirements which has helped keep long term costs more stable and predictable compared to many condo buildings throughout the state. This condo offers a grounded, residential feel in a location that provides access to the best of the Emerald Coast without the associated congestion.

Highlights

Listed by Douglas Addeo , 561-251-3408 Regional Trust Corporation , 561-852-1341. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

1987

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Pirates Cove Inlet Condo II

Listing ID

792594

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Tub Shower

Exterior Features

Lot Dimensions:00x00
Others:
  • Additional:Deck
Principal Interest
$1,973
Taxes
$248
HOA
$0

Home Price

$389,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$77,800
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:
$1,972.73

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,972.73 $247.99 $0.00 $2,220.72
Yearly $23,672.76 $2,975.85 $0.00 $26,648.61
Total $710,182.69 $89,275.50 $0.00 $799,458.19

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