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Harrison Lilly

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

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19902 Front Beach Rd , Panama City Beach, FL 32413
$1,590,000
Est. Payment: $8,064.18/mo
5 Bed
5 Bath
3105 Sqft
Status: active | Days on site: 218
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to the captivating white sandy beaches of Panama City Beach, Florida!! This exquisite one owner 3 story, 5 bedroom/5 bath beach house has been a revered family getaway since 2016. Come see the alluring views and enjoy the warm, inviting designer finishes that this fully furnished front beach property offers. It features solid wood cabinetry, leathered granite surfaces, all stainless appliances, & a large elevator for bringing up groceries or helping those who are physically challenged. It has an on-demand tankless gas water heater and a security system. The dishwasher, microwave, & stove have been replaced within the past 3 years. Smaller A/C unit was replaced last year. Parking for 2 cars in the oversized attached garage, 4 cars in the driveway and plenty of parking on the adjacent beach roadside allows for large holiday gatherings. Both large balconies (210 sq. ft.) offer amazing sunset views of the Gulf of Mexico! This property was utilized as a vacation rental in the past 3 years and netted over $80K in its first year. RENTAL SALES & PROJECTION REPORTS AVAILABLE. Whether you're looking for a primary, secondary, or an investment property, this home will exceed your expectations. PRICED TO SELL!! It won't be available for long. We will need a 24-72 hour notice to show this property. Listing agent's husband built this property.

Highlights

Listed by Leslie J Newmans , 850-258-5555 Coastal Sun Realty LLC , 850-249-2050. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.15

HOA Fee

Year Built

2016

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Royal Palms Of Laguna Beach

Listing ID

780788

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:5
Appliances:Convection Oven, ENERGY STAR Qualified Appliances, Electric Range, Electric Water Heater, Ice Maker, PlumbedForIce Maker
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment,Humidity Control,Heat Pump,Zoned
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Jetted Tub, Sitting Area in Primary, Soaking Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:32 x 100
Zoning:Resid Single Family
Roof:Metal
Sewer:Public Sewer
Parking Features:Additional Parking,Garage,Garage Door Opener,Paved
Principal Interest
$8,064
Taxes
$981
HOA
$0

Home Price

$1,590,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$318,000
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:
$8,064.18

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,064.18 $981.29 $0.00 $9,045.47
Yearly $96,770.16 $11,775.43 $0.00 $108,545.59
Total $2,903,104.80 $353,262.90 $0.00 $3,256,367.70

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