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Harrison Lilly

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

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309 Palatka St , Panama City Beach, FL 32413
$820,990
Est. Payment: $4,163.91/mo
4 Bed
4 Bath
2985 Sqft
Status: active | Days on site: 114
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Salt Grass at Ward Creek, Panama City Beach's newest coastal community just 5 minutes from the sugar white sands and crystalclear waters of the Gulf. This stunning Olivia floorplan delivers exceptional design with a 20 ft ceiling in the great room, impressive scale, and the craftsmanship buyers have come to expect from one of the area's premier builders. Offering nearly 3,000 sq ft of thoughtfully planned living space. The Primary Suite is conveniently located onthe main level, with flexible plan options allowing for 3-6 bedrooms and the potential to expand the home to approximately 3,400 sq ft. newest and largest floorplan offered in Salt Grass at Ward Creek. STOCK PHOTOS, PRICES SUBJECT TO CHANGE. Photos of a decorated model home are for reference only.Actual home will differ.

Highlights

Listed by William N Maltbie , 813-819-5255 Maltbie Realty Group , 813-819-5255. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.16

HOA Fee

Year Built

2026

County

Bay

Area

27 - Bay County

Neighborhood

Salt Grass at Ward Creek

Listing ID

1000265

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Disposal, Smoke Detector
Air Cond:Central Air
Fireplaces:Fireplace Gas
Floor:Floor Vinyl
Other:
  • Additional:Breakfast Bar, Ceiling Tray/Cofferd, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Interior,Wooded
Lot Dimensions:50x140
Zoning:Resid Single Family
Others:
  • Additional:Patio Covered, Porch
Sewer:Public Sewer
Parking Features:Covered
Principal Interest
$4,164
Taxes
$523
HOA
$0

Home Price

$820,990

Loan Details

30 yrs
6.529%

Down Payment

20%
$164,198
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:
$4,163.91

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,163.91 $523.38 $0.00 $4,687.29
Yearly $49,966.88 $6,280.57 $0.00 $56,247.45
Total $1,499,006.30 $188,417.21 $0.00 $1,687,423.50

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 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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