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Harrison Lilly

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

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17214 Front Beach Road T-20 , Panama City Beach, FL 32413
$219,000
Est. Payment: $1,110.73/mo
2 Bed
3 Bath
1118 Sqft
Status: pending | Days on site: 58
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

**Cash Offers Only** Discover the perfect combination of investment potential and coastal living with this beautifully maintained 2-bedroom with functional bunk room, 2 1/2-bath townhome on the highly desirable west end of Panama City Beach. Offering 1,118 square feet of thoughtfully designed living space, this property is ideal as a primary residence, second home, or income-producing short-term rental. Recent updates provide added value and peace of mind, including a roof replacement in 2019 & exterior paint in 2022, the functional floor plan is designed for both comfort and entertaining, featuring a spacious living area and a kitchen complete with a convenient breakfast bar for casual dining and gathering. A standout feature is the rare third room set as a bunk room, providing additional flexibility for guests and increasing rental appeal. The primary suite offers private balcony access, creating the perfect place to enjoy morning coffee and coastal breezes, while a second balcony off the guest bedroom provides additional outdoor living space. The fenced rear patio offers a private outdoor retreat for relaxing after a day at the beach, and two exterior storage closets provide ample space for beach gear, bicycles, and owner's storage. Unlike many attached properties, this townhome is connected only at the storage areas, offering enhanced privacy and a more detached-home feel. Residents and guests enjoy access to two community pools and a clubhouse, while the sugar-white sands of the Gulf are located directly across the street for easy beach access. Situated on the sought-after west end of Panama City Beach, the property is just minutes from Pier Park, Frank Brown Park, popular restaurants, shopping, entertainment, and the scenic beaches that make the Emerald Coast famous. Whether you're searching for a potentially strong-performing vacation rental, a personal beach retreat, or a full-time residence near the Gulf, this property presents an exceptional opportunity in one of Panama City Beach's most desirable locations. ''All measurements are approximate and should be verified by the buyer if important. CONDO ASSOCIATION FEES PAID QUARTERLY - $2948/Quarterly''

Highlights

Listed by Scott A Moon , 850-896-2868 Century 21 BE3 , 800-541-9923. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2948 Quarterly

Year Built

1990

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sand Castles West 3

Listing ID

791219

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Water Heater, Plumbed For Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Shower Only, Upper Level Primary

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:0x0
Roof:Composition,Shingle
Others:
  • Additional:Patio, Rain Gutters
Sewer:Public Sewer
Parking Features:Additional Parking,Paved,Parking Lot
Principal Interest
$1,111
Taxes
$262
HOA
$2,948

Home Price

$219,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$43,800
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:
$1,110.73

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,110.73 $262.12 $2,948.00 $4,320.85
Yearly $13,328.72 $3,145.44 $35,376.00 $51,850.16
Total $399,861.60 $94,363.20 $1,061,280.00 $1,555,504.80

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