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Harrison Lilly

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

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13020 Front Beach Rd Unit 207 , Panama City Beach, FL 32407
$260,000
Est. Payment: $1,318.67/mo
2 Bed
2 Bath
1025 Sqft
Status: active | Days on site: 215
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience coastal living at its finest with this fully furnished 2 bedroom, 2 bath condo, located on the top floor of an intimate 16 unit building. This desirable end unit offers Gulf views and is approximately 200 feet from the white sandy beaches of the Gulf of America -- just step outside and stroll to the shoreline. With LOW HOA dues of only $350/month, this property is very practical, however it needs a little updating, as reflected in the listing price. With some updated flooring and furniture, this condo has amazing short term rental potential . The condo is currently operating as a vacation rental, making it a turn-key opportunity. The building offers a fun Owners Only crow's next at the top -- an ideal spot to relax, unwind, and take in stunning coastal views. Under-building dedicated parking adds convenience, while the location adds character: you're right next door to the famous Salty Goat Saloon, giving you easy access to one of the area's most iconic local spots. Whether you're seeking a beach getaway, income-producing rental or both - this condo delivers the perfect blend of comfort, charm and location. Don't miss your chance to own your slice of the Gulf Coast!! Sellers says, ''Bring an offer'' to begin your income producing journey!

Highlights

Listed by Scott Roberts , 859-640-4947 LoKation Real Estate , 850-502-4862. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2000

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Somerset Condo

Listing ID

781726

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:Gulf view condo
Zoning:Resid Multi-Family
Others:
  • Additional:Covered Patio
Sewer:Public Sewer
Principal Interest
$1,319
Taxes
$307
HOA
$0

Home Price

$260,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$52,000
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:
$1,318.67

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,318.67 $307.33 $0.00 $1,626.00
Yearly $15,824.05 $3,688.00 $0.00 $19,512.05
Total $474,721.54 $110,640.00 $0.00 $585,361.54

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