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Harrison Lilly Team

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

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138 Laird Cir , Panama City Beach, FL 32408
$894,000
Est. Payment: $4,953.36/mo
5 Bed
3 Bath
3138 Sqft
1.19 Acres
Status: Active | Days on site: 1
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Harrison Lilly Team
Owner/Operator

House Description

The beach, with room to breathe. Finding this much land this close to the beach is unusual. Finding it with a custom-built 3,138-sq-ft home, a 75-ft heated pool, no HOA, multiple garages, and enough room for boats, RVs and the things that come with enjoying the Florida lifestyle is even harder. Set behind a private gate on the east end of Panama City Beach, this 6BR/2.5BA home sits on nearly an acre and a quarter, giving you something most beach properties simply cannot: space. Space between you and your neighbors. Space to entertain. Space for a workshop, home gym, outdoor hobbies or future ideas. And space to come home to after a day at the beach. The location puts the Gulf, marina, St. Andrews State Park, golf, dining and shopping just minutes away. But once you turn into the property, the experience changes. Mature trees, expansive grounds, a circular drive and covered front and rear porches create a private setting that feels far removed from the typical beach neighborhood. Inside, the home is equally generous. Multiple living spaces include a main living room, family room with wood-burning fireplace, game room and adjoining office with its own entrance--offering flexibility for guests, working from home or multigenerational living. The kitchen features granite countertops, a custom extended granite island, gas range, stainless appliances, pantry, tile floors and backsplash, and recessed lighting. Custom oak built-ins, wainscoting, arched brick, a bay window and tray ceilings add character throughout. Upstairs, four bedrooms include a spacious primary suite with a distinctive octagonal window, three closets and an ensuite bath with double vanities and tiled shower. The laundry chute connects directly to the downstairs laundry room. The additional bedrooms all offer walk-in closets and views across the grounds. Outside is where the scale of the property really comes into focus. The 75x14 ft heated pool anchors a generous patio and creates an easy gathering place for long afternoons outside, with an outdoor shower for rinsing off afterward. The acreage leaves room for the things that make beach living yours, while a detached single-car garage, oversized garage/workshop and carport provide substantial storage and workspace. There is ample room for boats, RVs and recreational equipment, and a deep-water well supports irrigation. There is no HOA and no land restrictions, giving you the freedom to use the property in ways that simply aren't possible with most homes this close to the beach. A whole-house Generac generator adds another layer of convenience and peace of mind. This is not a typical Panama City Beach property - and that is precisely the point. It gives you the beach lifestyle without requiring you to give up land, privacy, flexibility or room to live. Call to see it for yourself today.

Highlights

Listed by Craig Duran , 850-290-0417 Berkshire Hathaway HomeServices Beach Properties of Florida , 850-252-4160. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.19

Year Built

1992

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Thomas Drive Park U-3

Listing ID

795993

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Water Heater, Gas Oven, Gas Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot Dimensions:155.0 ft x 335.0 ft
Others:
  • ▪ Additional:Outdoor Shower
Principal Interest
$4,953
Taxes
$647

Home Price

$894,000

Loan Details

30 yrs
7.403%

Down Payment

20%
$178,800
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:
$4,953.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,953.36 $647.04 $0.00 $5,600.40
Yearly $59,440.37 $7,764.49 $0.00 $67,204.86
Total $1,783,211.08 $232,934.70 $0.00 $2,016,145.78

Today's Rates

30 Year

7.4%

20 Year

7.27%

15 Year

6.82%

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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: 2026-10-08T06:35:01.000Z

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