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Harrison Lilly Team

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

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22522 Front Beach Rd Unit O , Panama City Beach, FL 32413
$434,000
Est. Payment: $2,397.79/mo
2 Bed
3 Bath
1140 Sqft
0.07 Acres
Status: Active | Days on site: 6
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Harrison Lilly Team
Owner/Operator

House Description

RENOVATED & STUNNING 2BR/2.5BA Townhome on desirable West End of Panama City Beach, with a Modern Flare! Across the street from the Pristine White Sandy Beaches (Two Public Beach Access Points). (beach access 94 is right across the street)! This lovely townhome is tucked away in a peaceful & quiet community, mere minutes from the fun of 30A, the action of Pier Park & the Airport. A Perfect year-round home or great vacation rental (short term rentals allowed with very low HOA dues). Sold Fully Furnished (Turn Key) with updated Furniture & Decor. Start earning money NOW! Imagine stepping onto the Covered Front Porch or Balcony adorned with your very own Palm Tree, creating an inviting atmosphere from the moment you arrive. Inside, revel in the spacious layout featuring New LVP Wood Floor throughout (No Carpet), ensuring easy maintenance without compromising on style. The heart of this home is its chef's kitchen, a masterpiece boasting Quartz countertops, Custom Backsplash, Gold Sink, and matching Gold Hardware on the cabinets. Upgrades: Refrigerator, Electric smooth cooktop/oven, Microwave & Dishwasher, add to the allure of this culinary space. The oversized family room is designed for comfort and entertainment, and the split bedroom layout ensures privacy for the master suite. Speaking of the master, it opens up to a private balcony with peek-a-boo Gulf Views, creating a serene retreat. The master bathroom mirrors the kitchen's elegance with quartz countertops, modern gold sinks, faucets, lighting, mirrors, and hardware. This home is not just about beauty; it's also practical & convenient. Upgrades: A/C unit, light fixtures, ceiling fans, faucets, new toilets, & new paint. Additional storage space can be found in the back patio, and the property offers a good-sized backyard, a rarity among townhomes, condos, and duplexes. Plus, being a townhome (not a condo) means an easier qualification process for buyers, and with no neighbors above, you can enjoy peaceful living. For those interested in rental potential, this property has an impressive rental history, capacity to sleep 8, it's an excellent investment opportunity. New Roof 2016.

Highlights

Listed by Donna R Johnson , 850-890-6961 Anchor Realty Florida , 850-653-3333. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Lot/Acreage
0.07

HOA Fee

Year Built

1983

County

Bay

Area

27 - Bay County

Neighborhood

Pointe Panama

Listing ID

1013340

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding, Washer/Dryer Hookup

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:22 x 180
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, BBQ Pit/Grill, Patio Covered, Patio Open, Porch, Porch Open
Sewer:Public Sewer
Principal Interest
$2,398
Taxes
$321
HOA
$0

Home Price

$434,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$86,800
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Monthly Price:
$2,397.79

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,397.79 $320.90 $0.00 $2,718.69
Yearly $28,773.45 $3,850.84 $0.00 $32,624.29
Total $863,203.50 $115,525.20 $0.00 $978,728.70

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: 2026-10-07T00:53:56.000Z

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