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Harrison Lilly Team

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

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149 Cain Rd , Panama City Beach, FL 32413
$475,000
Est. Payment: $2,624.31/mo
2 Bed
2 Bath
1152 Sqft
0.05 Acres
Status: Pending | Days on site: 143
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ETPP - E22906,E22242,E22906
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Harrison Lilly Team
Owner/Operator

House Description

Experience refined coastal living in this beautifully updated residence in the sought-after Pirates Cove community of West Panama City Beach, offering picturesque views of Lake Powell--Florida's largest coastal dune lake. This community boasts exclusive access to the Gulf via a private dock and boat launch - ideal setting for boating, fishing, paddle boarding, and kayaking.Enjoy the conveniences of direct water access, one of two community pools just outside your door, less than a mile to the closest beach access, as well as dining and boutiques along Scenic Highway 30A, and the natural beauty of Camp Helen State Park. Thoughtfully and completely remodeled, this home boasts a relaxed open concept enhanced by abundant natural light, and ample space for gatherings and everyday living. Inside, a bright open-concept layout with a relaxed coastal feel and thoughtful updates creates an inviting space for everyday living and entertaining. Spacious porches on both the main and second levels offer lake views and stunning sunsets. The updated kitchen is well-appointed with granite countertops, stainless steel appliances, gray shaker cabinetry, and generous bar seating, seamlessly connecting to the main living space. Offered turn-key furnished and supported by a strong rental history, this property presents an exceptional opportunity as a primary residence, second home, or income-producing investment.

Highlights

Listed by Alexandra K Maddox , 850-238-6168 and Tami Moats , 850-381-6423 The Premier Property Group Seacrest Office , 850-213-5000. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Lot/Acreage
0.05

HOA Fee

Year Built

1985

County

Bay

Area

27 - Bay County

Neighborhood

Pirates Cove Inlet Condo

Listing ID

999134

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Owner's Closet, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:20X100
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, BBQ Pit/Grill, Boat Launch, Shower, Summer Kitchen, Deck Covered, Porch
Sewer:Public Sewer
Parking Features:Boat,Carport Attached,Covered,Oversized
Principal Interest
$2,624
Taxes
$291
HOA
$0

Home Price

$475,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$95,000
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:
$2,624.31

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,624.31 $291.15 $0.00 $2,915.46
Yearly $31,491.68 $3,493.79 $0.00 $34,985.47
Total $944,750.37 $104,813.70 $0.00 $1,049,564.07

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

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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