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Harrison Lilly

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

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21401 Hilltop Ave , Panama City Beach, FL 32413
$640,000
Est. Payment: $3,245.62/mo
3 Bed
3 Bath
1835 Sqft
Status: active | Days on site: 126
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Great opportunity on the quiet West End of Panama City Beach - just 3 blocks from the beach and perfectly positioned for a strong short-term rental or personal getaway. This beach house offers a projected annual gross rental income of $54,000-$78,000 and has been thoughtfully expanded with an additional 700 square feet by converting the adjacent garage into a fully functional living space. The new addition includes 1 Bedroom, a Full Bathroom, a Bunk room, and a Full Living room, creating a separate guest suite that adds flexibility and increased rental potential. The main home features 2 Bedrooms and 2 Full Bathrooms, providing comfortable coastal living in a peaceful area while still being close to the beach and everything PCB has to offer.
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Highlights

Listed by The Warren Group , 850-235-6178 and Zechariah O Weaver , 206-432-6461 Christies International Real Estate Emerald Coast , 850-213-2800. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.13

Year Built

1991

County

Bay

Area

27 - Bay County

 Neighborhood

Riviera Beach

Listing ID

997104

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Guest Quarters

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:50X110
Zoning:Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Separate Living Area, Patio Covered, Porch
Sewer:Public Sewer
Parking Features:Golf Cart Enclosed,Oversized
Principal Interest
$3,246
Taxes
$409

Home Price

$640,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$128,000
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:
$3,245.62

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,245.62 $409.08 $0.00 $3,654.70
Yearly $38,947.47 $4,908.99 $0.00 $43,856.46
Total $1,168,423.96 $147,269.70 $0.00 $1,315,693.66

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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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