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Harrison Lilly Team

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

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404 Geneva Ave , Panama City Beach, FL 32407
$649,900
Est. Payment: $3,590.60/mo
4 Bed
3 Bath
2203 Sqft
0.12 Acres
Status: Active | Days on site: 133
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Harrison Lilly Team
Owner/Operator

House Description

$10,000 SELLER INCENTIVE! Seller offering up to $10,000 toward Buyer's allowable closing costs, prepaid expenses and/or interest-rate buydown, with an acceptable offer. Take advantage of this opportunity to reduce your cash needed at closing or potentially lower your monthly payment. Walk to the beach without giving up the neighborhood feel that makes Tapestry Park so special. Located in the original phase of the community, this beautifully maintained 4-bedroom, 2.5-bath home offers the perfect balance of coastal convenience, privacy, and everyday comfort. Filled with natural light, the home features LVP flooring throughout, a desirable first-floor primary suite, and an open kitchen, dining, and living area designed for both everyday living and entertaining. The kitchen includes marble countertops and backsplash, custom soft-close cabinetry, an oversized island with additional seating, Samsung stainless steel appliances, a GE refrigerator, and quiet Bosch dishwasher. Custom lighting, Roman shades, and shiplap accents add warmth and character throughout. The primary suite offers a spa-inspired bath with double quartz vanities, a vintage-style cast iron clawfoot soaking tub, separate water closet, and an updated walk-in shower with marble flooring completed in 2025. Upstairs are three additional bedrooms with tray ceilings, a full bath, and flexible bonus space ideal for an office, den, or playroom. Outdoor living is just as inviting, with a spacious covered front porch and private covered back patio overlooking the fenced backyard. Photoelectric lighting, a large ceiling fan, and room for an outdoor TV make it an ideal place to relax or entertain, with additional space to add a plunge pool or hot tub. Recent improvements include new Zoysia sod installed in April 2026, a freshly washed exterior, and pressure-washed fencing. Additional features include two AC units, spray foam insulation, an 80-gallon Rheem Smart Water Heater, Chamberlain Smart Garage Door system, SimpliSafe security with three cameras, an impact-rated front door, and Kevlar hurricane shutter screens. Tapestry Park offers the kind of neighborhood lifestyle buyers are looking for, with sidewalks, mature landscaping, vintage-style streetlights, underground utilities, and an exceptional collection of amenities. Residents enjoy Brunswick Hall clubhouse and resort-style pool, a second children's pool, Peacock Park, pickleball, tennis and basketball courts, recreational green space, and scenic walking paths around the neighborhood ponds. All of this is just minutes from Pier Park, the Gulf, schools, shopping, dining, and everything Panama City Beach has to offer.

Highlights

Listed by MELINDA Azar , 850-287-7233 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.12

HOA Fee

915 Quarterly

Year Built

2021

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Tapestry Park

Listing ID

790297

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Coffered Ceiling(s), Double Vanity, Interior Steps, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:42x125
Zoning:Resid Single Family
Roof:Metal
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$3,591
Taxes
$473
HOA
$915

Home Price

$649,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$129,980
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:
$3,590.60

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,590.60 $473.17 $915.00 $4,978.77
Yearly $43,087.25 $5,678.00 $10,980.00 $59,745.25
Total $1,292,617.40 $170,340.00 $329,400.00 $1,792,357.40

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS