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Harrison Lilly

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

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3502 Dragon's Ridge Rd , Panama City Beach, FL 32408
$1,095,000
Est. Payment: $5,553.63/mo
5 Bed
4 Bath
3621 Sqft
Status: active with contingency | Days on site: 57
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Commanding a premier position along Northwest Florida's only Nicklaus Design course, this nearly 4,000-square-foot Craftsman estate overlooking holes #10 and #11 offers a rare blend of gated golf-community luxury and unmatched energy efficiency. What truly sets this estate apart from every other luxury home in Bay Point is its fully integrated Solar Power System. Operating on a seamless, transferable lease, this advanced setup provides a powerful financial advantage: it locks in a lower, fixed monthly utility bill, completely shielding you from rising energy costs with an eco-friendly footprint no one else on the course has. Inside, a wide variety of recent renovations are evident across the expansive five-bedroom layout, highlighted by deep crown molding, fresh exterior and interior paint, a fully new and improved outdoor landscape, and newly installed front-entry doors. The floor plan is highly versatile, featuring two completely renovated bathrooms, an upstairs loft perfect for overnight guests, and a flexible bonus room perfect for a private home office, formal parlor, or greeting lounge. The back of the home is an entertainer's paradise, where a massive, recently installed porch Lanai encloses a private pool oasis. This outdoor retreat offers uninterrupted views of the green, allowing you to watch the game in complete comfort. Combining turn-key Craftsman style, a prestigious golf-front lifestyle, and an exclusive, low-cost utility advantage, this property is a standout offering.

Highlights

Listed by Timothy Winter , 775-737-3525 CENTURY 21 AllPoints Realty , 850-230-4514. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.36

HOA Fee

1650 Annually

Year Built

1997

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Queensberry Ltd At Bay Point

Listing ID

791194

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Gas Cooktop, Gas Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:125X165X77X146
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Covered Patio, Porch
Sewer:Public Sewer
Parking Features:Additional Parking,Circular Driveway,Gated
Principal Interest
$5,554
Taxes
$761
HOA
$1,650

Home Price

$1,095,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$219,000
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:
$5,553.63

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,553.63 $761.33 $1,650.00 $7,964.97
Yearly $66,643.60 $9,136.00 $19,800.00 $95,579.60
Total $1,999,308.02 $274,080.00 $594,000.00 $2,867,388.02

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