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Harrison Lilly Team

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

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22504 Front Beach Rd , Panama City Beach, FL 32413
$1,695,000
Est. Payment: $9,364.63/mo
3 Bed
3 Bath
2098 Sqft
0.07 Acres
Status: Active | Days on site: 2
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BSRC - B10784
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Harrison Lilly Team
Owner/Operator

House Description

With Gulf views and an exceptional setting on the quiet west end of Panama City Beach, this thoughtfully updated coastal retreat offers an uncommon combination of refined interiors, private outdoor living and effortless access to the beach. Located near Public Beach Access 94 and just minutes from Scenic Highway 30A, the home places the sugar-white sand and emerald waters of the Gulf within easy reach. Designed for entertaining, the property's defining feature is its custom indoor-outdoor bar overlooking the private pool. A roll-up service window creates a seamless connection between the interior bar and pool deck, while granite countertops, built-in cabinetry and a refrigerator make hosting remarkably convenient. A dedicated mini-split system provides year-round temperature control, and multiple televisions allow guests to watch the game from the bar or while relaxing in the pool. The result is a distinctive gathering space equally suited to laid-back afternoons, football weekends and evenings with friends. Inside, the open-concept main level is filled with natural light and designed for easy movement between the kitchen, dining and living areas. The updated kitchen offers a clean, contemporary setting for everyday meals and entertaining, while luxury vinyl plank flooring extends throughout the main living spaces and bedrooms. A custom fireplace accented with cedar planks brings warmth and character to the living area, and a full bathroom completes the first floor. Upstairs, three bedrooms and two full bathrooms provide comfortable accommodations for family and guests. Tile flooring adds a durable, polished finish to the bathrooms, while the balcony offers a peaceful vantage point for enjoying Gulf views, coastal breezes and the colors of an evening sunset. Whether envisioned as a primary residence, private beach retreat or vacation rental, this West End home delivers the features buyers seek most: Gulf views, updated interiors, a private pool and an exceptional entertaining space--all near the beach and within minutes of the dining, shopping and coastal communities of 30A.

Highlights

Listed by Marc A Miller , 850-890-3432 Scenic Sotheby's International Realty , 850-231-6052. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.07

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores

Listing ID

796235

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ductless
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Upper Level Primary

Exterior Features

Lot Dimensions:48.0 ft x 69.0 ft
Roof:Metal
Others:
  • ▪ Additional:Outdoor Shower
Sewer:Public Sewer
Principal Interest
$9,365
Taxes
$829

Home Price

$1,695,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$339,000
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:
$9,364.63

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,364.63 $829.09 $0.00 $10,193.72
Yearly $112,375.57 $9,949.10 $0.00 $122,324.67
Total $3,371,267.11 $298,473.00 $0.00 $3,669,740.11

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

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