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Harrison Lilly

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

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19400 Front Beach Rd , Panama City Beach, FL 32413
$2,995,000
Est. Payment: $15,188.50/mo
5 Bed
5 Bath
4042 Sqft
Status: active | Days on site: 22
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Elevate your coastal lifestyle in this one-of-a-kind, 4,000+ square-foot beach home, ideally positioned directly across from the protected dunes of Laguna Beach. A rare offering in one of the area's most desirable locations, this exceptional property offers unobstructed Gulf views and convenient beach access, creating the perfect setting for unforgettable family gatherings and everyday coastal living. Designed for effortless entertaining, the home features a stunning exposed brick kitchen that flows seamlessly into an expansive living area with soaring 12-foot reclaimed wood ceilings, blending warmth, character, and sophisticated coastal style. Enjoy breathtaking Gulf views from multiple levels, including the private top-floor primary suite, where spectacular sunrises and sunsets become part of your daily routine. The home offers five luxurious bedroom suites, each thoughtfully appointed with a king-size bed with en suites, providing comfort and privacy for family and guests alike. Step outside to your private second-floor heated infinity pool overlooking the Gulf, or take advantage of the commercial elevator providing convenient access to every level. Additional highlights include a spacious three-car garage and the convenience of being offered fully furnished and turnkey, ready for immediate enjoyment or investment. Blending timeless coastal elegance with exceptional amenities, this extraordinary retreat offers luxury living just steps from the sugar-white sands and emerald waters of the Gulf.

Highlights

Listed by Cynthia Wilkinson , 850-814-4323 and Andrew S Phillips , 850-819-2764 Rosemary Beach Realty, LLC , 850-278-2000. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.1

HOA Fee

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Seahorse Villas

Listing ID

792167

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:5
Appliances:Ice Maker
Other:
  • Additional:Double Vanity, Soaking Tub, Separate Shower

Exterior Features

Lot:Sprinkler System
Lot Dimensions:40.0 ft x 110.0 ft
Others:
  • Additional:Deck
Principal Interest
$15,188
Taxes
$1,402
HOA
$0

Home Price

$2,995,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$599,000
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:
$15,188.50

Principal

Taxes

Principal Taxes HOA Total
Monthly $15,188.50 $1,401.54 $0.00 $16,590.04
Yearly $182,261.97 $16,818.50 $0.00 $199,080.47
Total $5,467,859.00 $504,555.00 $0.00 $5,972,414.00

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