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Harrison Lilly Team

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

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3504 Dragon's Ridge Rd , Panama City Beach, FL 32408
$875,000
Est. Payment: $4,834.25/mo
4 Bed
3 Bath
3055 Sqft
0.36 Acres
Status: Active | Days on site: 130
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Harrison Lilly Team
Owner/Operator

House Description

Wake up to pristine fairway views, spend your morning on the only Nicklaus Design Course in Northwest Florida, and your evening toasting the sunset on the sugar white sands of the Gulf. This isn't a vacation, its your everyday life. Situated directly between the 10th green and 11th tee box of the Legends golf course, this pristine 3,055-square-foot estate in Bay Point's prestigious Queensberry neighborhood redefines daily living minutes from Gulf beaches and St. Andrews State Park. The outdoor sanctuary centers around a heated in-ground pool with a tranquil waterfall (resurfaced in 2024), framed by professional landscaping and 2023 exterior lighting. Spend your afternoons relaxing poolside, taking in fairway views, or watching deer graze on the green at dawn. Inside, an expansive circular driveway leads into light-filled living spaces marked by soaring 14-foot ceilings, high-end crown molding, built-in bookcases, and a gas fireplace. Work comfortably from a private home office overlooking the course, or make use of a versatile laundry suite that transitions into a home gym or craft room. Recent interior updates include fresh paint and a newly renovated primary bathroom (2025). The kitchen serves as the heart of the residence, featuring a farmhouse sink, gas stove, custom cabinetry with pull-out organizers, and premium appliances upgraded between 2022 and 2024. Modern conveniences like power window shades, a central vacuum system, floor-integrated outlets, and a specialized front-porch timer for seasonal lighting make day-to-day operation seamless. Every mechanical and structural detail has been well maintained, including dual HVAC units (one replaced in 2022), a three-car garage with generous storage, and full exterior protection via hurricane fabric and shutters. Tucked away from the city's hustle, this home offers the ultimate retreat--combining the rare privacy, security, and distinction of an established gated community with world-class leisure right outside your front door.

Highlights

Listed by Mary Sowell , 850-832-9496 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.36

HOA Fee

1725 Annually

Year Built

1998

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Queensberry Ltd At Bay Point

Listing ID

789959

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Oven, Gas Range
Air Cond:Attic Fan,Central Air,Ceiling Fan(s)
Fireplaces:Gas
Other:
  • ▪ Additional:Central Vacuum, Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Smart Thermostat, Walk-In Closet(s), Entrance Foyer

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:94 x 161 x 100 x 165
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:Circular Driveway,Garage,Garage Door Opener
Principal Interest
$4,834
Taxes
$670
HOA
$1,725

Home Price

$875,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$175,000
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:
$4,834.25

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,834.25 $669.67 $1,725.00 $7,228.92
Yearly $58,010.99 $8,036.00 $20,700.00 $86,746.99
Total $1,740,329.63 $241,080.00 $621,000.00 $2,602,409.63

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS