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Harrison Lilly

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

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226 Palatka St , Panama City Beach, FL 32413
$651,490
Est. Payment: $3,303.89/mo
4 Bed
3 Bath
2281 Sqft
Status: pending | Days on site: 125
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Ideally located near the white sand beaches of 30A, Pier Park, TopGolf. Upcoming 87-acre TMH/FSU Medical Campus, the future West Bay retailcenter with over 50,000 sq. ft. of shopping and dining, and a Publix expected Spring 2026. Enjoy community amenities including a resort-style pool, cabana,and pickleball courts. This open-concept layout Madison has 4 beds/3baths. Features 4' garage extension, covered front porch, and converted flex room.Interior upgrades are hardwood flooring, a striking 50'' linear gas fireplace, gourmet kitchen with quartz countertops, 30'' gas cooktop, soft-close paintedcabinets, pot & pan drawer, and under-cabinet lighting. The guest bath features a full walk-in shower. Lawncare included in HOA. STOCK PHOTOS, PRICES SUBJECT TO CHANGE. Actual home may differ from photos.
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Highlights

Listed by William Maltbie , 513-496-8676 Maltbie Realty Group , 513-833-5370. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.16

HOA Fee

187 Monthly

Year Built

2025

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Salt Grass at Ward Creek

Listing ID

787383

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Gas Cooktop
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, See Remarks, Walk-In Closet(s), Entrance Foyer

Exterior Features

Lot Dimensions:50x140
Zoning:Resid Single Family
Roof:Composition,Shingle
Principal Interest
$3,304
Taxes
$14
HOA
$187

Home Price

$651,490

Loan Details

30 yrs
6.528%

Down Payment

20%
$130,298
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:
$3,303.89

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,303.89 $14.33 $187.00 $3,505.22
Yearly $39,646.69 $172.00 $2,244.00 $42,062.69
Total $1,189,400.82 $5,160.00 $67,320.00 $1,261,880.82

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 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