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Harrison Lilly

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

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7509 Morning Marsh Trl , Panama City Beach, FL 32413
$1,499,000
Est. Payment: $7,602.65/mo
3 Bed
3 Bath
2454 Sqft
Status: active | Days on site: 57
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Overlooking West Bay with unobstructed water views, this custom-built residence is set on a premium 0.76-acre corner waterfront homesite with paved road access. The beauty of the setting extends indoors, where designer finishes and thoughtful details create a refined coastal home that feels both elevated and inviting. The kitchen serves as the centerpiece of the home, anchored by a Venetian plaster hood, Hallman Majestic gas range, quartz countertops, clay tile backsplash, open cypress shelving, and a dining nook featuring built-in bench seating with storage. A striking cypress beam connects the kitchen and living area, where a Venetian plaster fireplace serves as a focal point against a backdrop of sweeping water views. The primary suite serves as a true retreat and features scenic water views. The adjoining bath features Carrera marble finishes, polished nickel fixtures, an oversized glass shower and a freestanding soaking tub. Dual custom closets, including a dressing area with built-in vanity complete the suite. The expansive screened porch, complete with a gas fireplace, provides a breathtaking setting to relax and take in the views of West Bay. Thoughtfully designed landscaping complements the home's natural surroundings, with ample room for a future pool or addition. Additional features include an elevator, impact-rated windows, EV charging station, whole-home Generac generator, and finished split garages with abundant storage. RiverCamps offers a lifestyle unlike any other along the Emerald Coast. This private, gated waterfront community is bordered by West Bay and Crooked Creek, providing direct boating access to Shell Island and the Gulf. Residents enjoy dry boat storage, a community boat launch and day-use slips, a resort-style pool and pavilion, a 600-foot pier, miles of scenic trails and boardwalks, and a fitness center coming soon. Ideally located just minutes from Northwest Florida Beaches International Airport, Pier Park, and the area's white-sand beaches.

Highlights

Listed by Wendy L Wiggins , 850-225-5102 1 Percent Lists Florida Coast , 850-376-3865. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.76

HOA Fee

Year Built

2020

County

Bay

Area

27 - Bay County

Neighborhood

Rivercamps On Crooked Creek Ph 2

Listing ID

1005667

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator W/IceMk, Stove/Oven Gas, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:Fireplace Gas,Fireplace
Other:
  • Additional:Ceiling Beamed, Elevator, Kitchen Island, Lighting Recessed, Split Bedroom, Wallpaper, Washer/Dryer Hookup

Exterior Features

Lot:Corner,Covenants,Flood Insurance Req,Irregular,Wetlands,Within 1/2 Mile to Water,Bay,Shore - Natural
Lot Dimensions:158x151x129
Zoning:Resid Single Family
Others:
  • Additional:Sprinkler System, Porch Screened
Sewer:Public Sewer
Parking Features:Oversized
Principal Interest
$7,603
Taxes
$623
HOA
$0

Home Price

$1,499,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$299,800
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:
$7,602.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,602.65 $622.90 $0.00 $8,225.54
Yearly $91,231.74 $7,474.77 $0.00 $98,706.51
Total $2,736,952.26 $224,243.10 $0.00 $2,961,195.36

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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