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Harrison Lilly

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

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116 Riviera Dr , Panama City Beach, FL 32413
$1,429,000
Est. Payment: $7,247.62/mo
4 Bed
5 Bath
2705 Sqft
Status: active | Days on site: 151
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to your fabulous beach home, vacation property, or short term rental investment! All furnishings, appliances, decor, and accessories convey with sale, including natural gas Weber grill and outdoor patio seating and 8 Smart TVs. LOCATION, LOCATION, LOCATION! • On the quiet west end of Panama City Beach in a low-density residential neighborhood (no high-rises) • Bike path along Front Beach Road for cycling and walking • Close to Camp Helen State Park, Conservation Park, Frank Brown Park, and Pier Park • 17 miles to Northwest Florida Beaches International Airport (ECP) PROPERTY HIGHLIGHTS: • Spacious 3-story coastal home, built in 2020 • Short 3-minute walk to the white sandy beaches - Access #82 • Water views of the Gulf and coastal lake • Sleeps up to 14 guests - ideal for large families or vacation rentals • Three levels, each with living area, kitchen/kitchenette, and covered balcony • 4 bedrooms including two king suites plus bunk room • Ground floor guest suite with king bed, living area, kitchenette, and patio access • Primary suite on second floor with king bed, en-suite bath, soaking tub, glass shower, and double vanities • Open-concept main living area with full kitchen, dining space for 12, and large balcony with water views • Third floor living area with additional kitchenette and balcony access • Bunk room with two sets of bunks plus additional queen and king bedrooms upstairs • Community pool shared by only 10 other homes • Garage plus driveway parking for up to 3 vehicles • Lakefront setting with fishing access and community fire pit Low HOA includes pool maintenance and insurance, maintenance and insurance of all common ground areas and maintenance of palm trees around the property. See listing for floor plans and walkthrough video. See the walkthrough video attached to this listing, and ask your agent for the Airbnb link as well. Thank you for your interest. We look forward to your offer!

Highlights

Listed by January Johnson , 850-691-9851 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.04

HOA Fee

750 Quarterly

Year Built

2020

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Riviera Beach

Listing ID

786550

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Smart Thermostat

Exterior Features

Lot Dimensions:33x60
Zoning:Resid Single Family
Roof:Metal
Sewer:Public Sewer
Principal Interest
$7,248
Taxes
$1,023
HOA
$750

Home Price

$1,429,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$285,800
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:
$7,247.62

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $7,247.62 $1,023.17 $750.00 $9,020.79
Yearly $86,971.42 $12,278.00 $9,000.00 $108,249.42
Total $2,609,142.62 $368,340.00 $270,000.00 $3,247,482.62

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