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Harrison Lilly Team

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

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634 Millbridge Dr , Panama City Beach, FL 32413
$499,000
Est. Payment: $2,756.90/mo
3 Bed
2 Bath
1738 Sqft
0.14 Acres
Status: Active | Days on site: 1
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RE129 - B12672
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Harrison Lilly Team
Owner/Operator

House Description

Spend more time enjoying the coast and less time maintaining your yard at 634 Millbridge Drive! Located in Salt Grass at Ward Creek, this 3-bedroom, 2-bath home offers approximately 1,738 square feet of thoughtfully designed living space. Built in 2025, the home features an open layout with 9-foot ceilings, a spacious family room, and an island kitchen with quartz countertops, stainless steel appliances, upgraded cabinetry, and a walk-in pantry. The adjoining dining area opens to the living room, creating an easy flow for everyday living and entertaining. This home is available furnished or unfurnished, making moving a cinch! One of the standout benefits is HOA included lawn care, making this home an excellent choice for a second-home retreat or a low-maintenance primary residence. Enjoy your time at the beach, travel with greater ease, and leave routine lawn maintenance to the professionals. This like new home is in impeccable condition and has all the upgrades without the hassle of going through the new build process! A community amenity center is anticipated to be built soon, adding even more to look forward to. Nearby development includes the hospital under construction at the FSU Health medical campus and a new Publix under construction at Watersound West Bay Center, bringing additional healthcare and shopping options to the area. With convenient access to Panama City Beach's beaches, shopping, dining, and recreation, this home offers a welcoming place to enjoy the coastal lifestyle with fewer chores and more freedom. This home could also be available to lease at $4,000/month fully furnished!

Highlights

Listed by Hunter Denton , 901-604-5474 REMAX By The Sea , 850-424-3674. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

560 Quarterly

Year Built

2025

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Salt Grass at Ward Creek

Listing ID

796211

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:50x120
Zoning:Resid Single Family
Roof:Shingle
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener

Open House

Upcoming Open Houses
Thursday 10:00 am - 2:00 pm Oct 8
Principal Interest
$2,757
Taxes
$16
HOA
$560

Home Price

$499,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$99,800
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:
$2,756.90

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,756.90 $16.45 $560.00 $3,333.35
Yearly $33,082.84 $197.39 $6,720.00 $40,000.23
Total $992,485.12 $5,921.70 $201,600.00 $1,200,006.82

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-06T23:58:41.000Z

© 2026 Bay County Association of REALTORS