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Harrison Lilly

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

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16328 Front Beach Rd Unit 9 , Panama City Beach, FL 32413
$745,000
Est. Payment: $3,778.50/mo
2 Bed
3 Bath
988 Sqft
Status: active | Days on site: 111
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Beach cottage located across from Beach Access point! Peek-a-boo view of the Gulf, close to Pier Park, the Pier and grocery store. Detached two story home featuring two bedrooms each with a private full bathroom on the main level. The primary bedroom has access to the outside and walk-in-closet. The reverse plan with bedrooms down allows you to take advantage of the views from the living room and balcony. There is a half bath on the living room level. Fully equipped kitchen with updated dishwasher, stove and microwave oven. Washer and Dryer are included Community pool, home has outdoor shower and parking for 4 vehicles. A/C replaced in 2025, stove and dishwasher are less than 2 years old. Windows on the East side of the home have been replaced in May 2026.

Highlights

Listed by Vanessa Weltlin , 850-814-9788 Latitudes Realty , 850-527-3423. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.01

HOA Fee

924 Quarterly

Year Built

2002

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Summer Towne Cottage Condo Ph II

Listing ID

788956

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:20x40 e
Roof:Asphalt
Others:
  • Additional:Outdoor Shower
Sewer:Public Sewer
Principal Interest
$3,778
Taxes
$344
HOA
$924

Home Price

$745,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$149,000
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:
$3,778.50

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,778.50 $343.83 $924.00 $5,046.33
Yearly $45,341.99 $4,126.00 $11,088.00 $60,555.99
Total $1,360,259.80 $123,780.00 $332,640.00 $1,816,679.80

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