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Harrison Lilly

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

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109 Heron Turn , Panama City Beach, FL 32407
$599,900
Est. Payment: $3,042.58/mo
3 Bed
3 Bath
2190 Sqft
Status: pending | Days on site: 94
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

3BR/2.5BA home in The Glades in Panama City Beach. Pond-front with screened heated pool. Roof & AC 2019, appliances 2024-25. This 3 bedroom, 2.5 bath home with office in The Glades offers a 2,190 sq ft layout designed for full-time living or second-home use in Panama City Beach. Built in 1994 and located on a cul-de-sac south of Highway 98, the property sits on a freshwater pond with a screened, heated pool and extended lanai for outdoor use. The quiet dead-end street offers limited through traffic. Key updates include a roof and HVAC replaced in 2019, two water heaters installed in 2020 and 2021, and kitchen appliances updated between 2024 and 2025. The interior features a split floor plan with 10-foot ceilings throughout the home. The kitchen includes updated appliances, tile backsplash replaced in 2025, breakfast bar, and adjacent dining and breakfast areas. The primary suite includes private lanai access, mini-split AC, two walk-in closets, double vanity, makeup station, and a large walk-in shower with dual shower heads. Two guest bedrooms have new carpet and lighting, and a dedicated office supports work-from-home needs. The home has been extensively remodeled, well maintained, and kept in meticulously clean condition over time. System improvements focus on long-term ownership confidence. The home includes central air plus a mini-split system, propane fireplace, hurricane shutters, termite bond, and a portable generator connection. The portable generator conveys with the home. The property is pre-piped for future gas service if introduced to the neighborhood. Outdoor features include a screened in-ground pool heated by propane or solar, with a lanai extended 9 feet to add a sunning area. The backyard landscaping is well maintained, and the pond setting provides beautiful open water views. Most patio furnishings convey with the property, allowing the next owner to immediately enjoy the outdoor living spaces. The lot includes a circular driveway with parking for up to five vehicles, a two-car garage, and a golf cart garage with separate entrance and exit. Located in The Glades, a golf cart-friendly community in central Panama City Beach, the home provides access to shopping, dining, and beach routes within a short drive. The HOA is $550 annually and includes twice-weekly trash collection, semi-annual bulk item pickup, and Flock security camera coverage at all three neighborhood entrances. Short-term rentals are not permitted, supporting a more residential environment. Additional practical details include negotiable furnishings, all window coverings conveying, most patio furniture conveying (excluding one umbrella), attic access in the garage, and immediate occupancy availability. The home is offered as-is.

Highlights

Listed by Cindy Morehouse , 850-822-1055 and Greg B Taylor , 850-896-4173 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.25

HOA Fee

550 Annually

Year Built

1994

County

Bay

Area

03 - Bay County - Beach

Neighborhood

The Glades

Listing ID

789245

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Ductless
Fireplaces:Gas
Other:
  • Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Cul-De-Sac,Sprinkler System,Paved
Lot Dimensions:78x140x95x135
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Patio, Rain Gutters
Sewer:Public Sewer
Parking Features:Circular Driveway,Garage,Garage Door Opener
Principal Interest
$3,043
Taxes
$419
HOA
$550

Home Price

$599,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$119,980
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Monthly Price:
$3,042.58

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,042.58 $419.08 $550.00 $4,011.66
Yearly $36,510.96 $5,029.00 $6,600.00 $48,139.96
Total $1,095,328.66 $150,870.00 $198,000.00 $1,444,198.66

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