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Harrison Lilly

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

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318- A Memory Ln , Panama City Beach, FL 32413
$840,000
Est. Payment: $4,260.32/mo
3 Bed
2 Bath
1515 Sqft
Status: active | Days on site: 68
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located on the highly desirable west end of Panama City Beach, this charming coastal cottage offers the ideal blend of relaxed beach living, investment potential, and everyday comfort. Sold fully furnished and rental ready, the 3-bedroom, 2-bath home spans approximately 1,515 square feet and is tucked away on a quiet dead-end street less than one-third mile from the sugar white sands and emerald waters of the Gulf. Whether you are searching for a second home, vacation rental, or full-time residence, this property checks all the boxes. Designed with an open-concept layout, the home features a spacious living and kitchen area accented by coffered ceilings, crown molding, and an abundance of natural light. The kitchen is finished with white cabinetry, stainless steel appliances, marble countertops, and a large island ideal for gathering after a day at the beach. The primary suite offers a peaceful retreat with an en-suite bath and walk-in closet, while luxury vinyl flooring, 9-foot ceilings, and quartz countertops throughout add to the home's coastal appeal. Step outside to your own private backyard oasis featuring a heated pool installed in 2022, gazebo, and vinyl privacy fencing designed for both relaxation and entertaining. Additional highlights include a tankless water heater, city sewer, hurricane shutters, gutters, irrigation system, and a two-car garage. With no HOA, a golf cart-friendly setting, and a location just minutes from Pier Park, Scenic Highway 30A, dining, shopping, and the airport, this beautifully maintained home offers exceptional flexibility and value on the Emerald Coast. Buyer to verify all information and dimensions.

Highlights

Listed by Debbie James , 850-450-2000 Scenic Sotheby's International Realty , 850-231-6052. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.12

Year Built

2020

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Southfield Sec 1

Listing ID

790858

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Coffered Ceiling(s), Double Vanity, Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:40x137
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Patio
Sewer:Public Sewer
Principal Interest
$4,260
Taxes
$374

Home Price

$840,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$168,000
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:
$4,260.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,260.32 $373.92 $0.00 $4,634.24
Yearly $51,123.86 $4,487.00 $0.00 $55,610.86
Total $1,533,715.74 $134,610.00 $0.00 $1,668,325.74

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