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Harrison Lilly

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

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22519 Front Beach Rd Unit 103 , Panama City Beach, FL 32413
$1,045,000
Est. Payment: $5,300.04/mo
2 Bed
2 Bath
1396 Sqft
Status: active | Days on site: 4
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Capture a breathtaking beachfront lifestyle where sugar-white sand and emerald Gulf waters are just steps from your door. This exceptional beachfront townhome pairs uninterrupted water views with an expansive Gulf-front deck--an incredible setting for entertaining, dining alfresco, or simply taking in the sunset. A private walkway leads directly to the boardwalk and one of the area's most peaceful stretches of beach. Inside, serene blues, crisp whites, and natural textures create a sophisticated coastal atmosphere while allowing the Gulf to remain the undeniable focal point. Light-filled, open-concept living flows effortlessly from the fully equipped kitchen to the inviting dining and living areas, creating an ideal setting for slow mornings, relaxed gatherings, and sunset evenings overlooking the water. The Gulf-facing primary suite is a private retreat of its own, featuring a king bed, queen sleeper sofa, and private beachfront balcony. A custom bunk room connected to the primary suite adds versatility for families and guests. The additional guest bedroom offers both a king and twin bed, providing flexible accommodations for approximately seven to nine guests. Step outside and follow the private boardwalk through the dunes to pristine sugar-white sand, where beach chairs and a cabana set the stage for carefree days along the Emerald Coast. From sunrise coffee on the balcony to sunset cocktails on the expansive beachfront deck, this home is designed around the view and an effortless connection to the Gulf. Beyond the beach, the townhome offers a garage, covered parking, additional storage, thoughtful updates, and access to the community pool. Its location delivers an ideal balance of privacy and convenience--just five minutes from 30A and within easy reach of Camp Helen State Park, Pier Park, and the best of the west end of Panama City Beach. Sophisticated yet relaxed, this remarkable coastal escape offers a rare combination of privacy, flexibility, and front-row access to one of Florida's most beautiful shorelines.

Highlights

Listed by The Dixon Team , 850-468-0215 30A Homes Sales , 850-517-0007. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Lot/Acreage
0.03

HOA Fee

Year Built

1976

County

Bay

Area

27 - Bay County

Neighborhood

Shores

Listing ID

1009955

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot:Gulf
Lot Dimensions:17 x 66
Zoning:Resid Single Family
Others:
  • Additional:Balcony
Parking Features:Garage,Covered
Principal Interest
$5,300
Taxes
$736
HOA
$0

Home Price

$1,045,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$209,000
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:
$5,300.04

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,300.04 $735.86 $0.00 $6,035.90
Yearly $63,600.51 $8,830.26 $0.00 $72,430.77
Total $1,908,015.42 $264,907.80 $0.00 $2,172,923.22

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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