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Harrison Lilly Team

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

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3606 Dragon's Ridge Rd , Panama City Beach, FL 32408
$895,000
Est. Payment: $4,944.75/mo
4 Bed
3 Bath
2835 Sqft
0.33 Acres
Status: Active | Days on site: 1
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SREL - B6174
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Harrison Lilly Team
Owner/Operator

House Description

Meticulously maintained and beautifully updated, this four-bedroom, two-and-a-half-bath home sits along the 11th-hole fairway of the Nicklaus-designed golf course on the Legend Hills side of gated Bay Point. Offering just over 2,800 square feet and a three-car garage, the home pairs wonderful curb appeal with generous space for everyday living and entertaining. The living room, foyer, and dining room feature soaring 14-foot ceilings and crown molding throughout, complemented by travertine flooring in the main living areas and plantation shutters throughout the home. The updated kitchen features quartz countertops, shaker cabinets, stainless steel appliances, and a wine/beverage cooler. The primary suite offers two closets and a beautifully appointed bathroom with separate dual vanities, a jetted tub, and a glass-enclosed travertine shower. The swimming pool and screened enclosure provide a welcoming setting to relax and enjoy the golf course backdrop, with additional yard space completing the outdoor setting. A rear bathroom offers direct access from the pool area for added convenience. Nestled securely within Bay Point, residents enjoy amenities that include manned entrance gates with guards and roving security. Bay Point is home to the Nicklaus Golf Course, the only one in Northwest Florida, as well as Point South Marina, a full service facility with a fuel dock and slips accommodating yachts up to 120 feet. This exceptional property brings together convenient boating access, comfortable coastal living, and outstanding spaces for entertaining.

Highlights

Listed by Zack Seltzer , 850-235-0578 Seltzer Real Estate, LLC , 850-235-0578. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.33

HOA Fee

1725 Annually

Year Built

1996

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Queensberry Ltd At Bay Point

Listing ID

796089

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range, Wine Cooler
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:113x115x107x133
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$4,945
Taxes
$630
HOA
$1,725

Home Price

$895,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$179,000
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Monthly Price:
$4,944.75

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,944.75 $629.53 $1,725.00 $7,299.27
Yearly $59,336.95 $7,554.31 $20,700.00 $87,591.26
Total $1,780,108.59 $226,629.30 $621,000.00 $2,627,737.89

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: 2026-10-07T05:07:46.000Z

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