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Harrison Lilly

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

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233 Palatka St , Panama City Beach, FL 32413
$654,900
Est. Payment: $3,321.18/mo
3 Bed
2 Bath
2201 Sqft
Status: active | Days on site: 103
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

New construction home in Salt Grass, just minutes from Panama City Beach. Located on a premium homesite with wooded preserve views, thishome offers privacy, style, and easy coastal living less than three miles from the beach. Inside, enjoy an open, light-filled layout with 10-foot ceilings, 8-footdoors, and modern finishes throughout. The durable Hardie® board exterior, paver driveway, and included lawn maintenance make this home as low-maintenance as it is attractive. Perfectly positioned just one mile from the new FSU Health Hospital, this home is ideal as a primary residence, beachgetaway, or investment opportunity. Quiet, tucked away, and close to everything--this one checks all the boxes. 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

2026

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Salt Grass at Ward Creek

Listing ID

789554

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Gas Cooktop
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, See Remarks, Walk-In Closet(s)

Exterior Features

Lot Dimensions:50x140
Zoning:Resid Single Family
Roof:Composition,Shingle

Open House

Upcoming Open Houses
Saturday 12:00 pm - 4:00 pm Aug 22
Principal Interest
$3,321
Taxes
$417
HOA
$187

Home Price

$654,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$130,980
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:
$3,321.18

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,321.18 $417.50 $187.00 $3,925.68
Yearly $39,854.21 $5,009.99 $2,244.00 $47,108.20
Total $1,195,626.33 $150,299.55 $67,320.00 $1,413,245.88

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