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Harrison Lilly

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

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3504 Dragon's Ridge Rd , Panama City Beach, FL 32408
$940,000
Est. Payment: $4,767.50/mo
4 Bed
3 Bath
3055 Sqft
Status: active | Days on site: 64
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Upgrade your Zoom background permanently. Work from a private home office overlooking the green, take your lunch break by your private pool, and live minutes from the Gulf beaches. Nestled within the prestigious Queensberry neighborhood of Bay Point, this pristine 3,055-square-foot estate offers a masterclass in upscale coastal living. From the moment you pull into the expansive circular driveway, the home's grandeur is evident, highlighted by soaring 14-foot ceilings and high-end crown molding that flow through multiple light-filled living spaces. Recent premium upgrades ensure modern comfort and peace of mind, including a newly renovated primary bathroom (2025), fresh interior paint, and a suite of high-end appliances replaced between 2022 and 2024. Practical luxury is woven into every detail, from the built-in bookcases and gas fireplace to the expansive laundry suite that effortlessly transitions into a home gym or craft room. The heart of the home is a chef's dream, featuring a farmhouse sink, gas stove, and custom cabinetry equipped with pull-out organizers. Designed for both functionality and charm, the residence boasts smart conveniences like power window shades, a central vacuum system, and floor-integrated outlets for seamless furniture placement. Seasonal decorating is made effortless by a specialized front-porch timer for holiday lighting, while the exterior is fully fortified with hurricane fabric and shutters. With a three-car garage providing ample storage and one of the two HVAC units replaced in 2022, every mechanical and aesthetic detail has been meticulously maintained. Wake up to pristine fairway views, spend your morning on the only Nicklaus Design course in Northwest Florida, and your afternoon at St. Andrews State Park. This isn't a vacation, it's your everyday life. The outdoor experience is truly your own slice of paradise, situated perfectly between the 10th hole and 11th tee box of the Legends golf course. The backyard sanctuary features a heated in-ground pool with a tranquil waterfall--newly resurfaced in 2024--surrounded by professional landscaping and breathtaking views. Whether you're watching a family of deer graze on the green at dawn or enjoying the glow of the 2023 exterior lighting at dusk, the atmosphere is one of total serenity. Tucked away from the city's hustle yet just minutes from the white sandy beaches and local amenities, this home offers the rare balance of an established, quiet community with world-class leisure right at your doorstep.

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

Year Built

1998

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Queensberry Ltd At Bay Point

Listing ID

789959

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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
$4,768
Taxes
$670
HOA
$0

Home Price

$940,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$188,000
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:
$4,767.50

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,767.50 $669.67 $0.00 $5,437.17
Yearly $57,210.03 $8,036.00 $0.00 $65,246.03
Total $1,716,300.95 $241,080.00 $0.00 $1,957,380.95

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