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Harrison Lilly Team

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

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104 Tierra Verde Trl , Panama City Beach, FL 32407
$589,000
Est. Payment: $3,254.14/mo
4 Bed
3 Bath
2582 Sqft
0.17 Acres
Status: Active | Days on site: 2
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BSGC - B11042,B7726
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Harrison Lilly Team
Owner/Operator

House Description

4BR/2.5BA, 2,582-sq-ft home in gated Tierra Verde in Panama City Beach. Screened pool/spa, 2-car garage plus golf cart garage, built 2004. Tucked within the gated Tierra Verde subdivision in The Glades, this single-story home offers an inviting combination of generous living space, flexible-use rooms, abundant storage, and private outdoor amenities. Set on a 0.17-acre cul-de-sac lot, the home features a screened pool and spa, attached two-car garage, separate golf cart garage, and a layout designed to make the most of its 2,582 heated and cooled square feet. At the heart of the home, the open-concept kitchen, dining area, and living room flow together for comfortable everyday living and entertaining. A 12-foot raised double-tray ceiling with ambient lighting adds architectural interest to the living room, complemented by crown molding, substantial baseboards, recessed lighting, and decorative fixtures throughout. The kitchen features a breakfast bar, matching stainless steel appliances, pantry storage, and a skylight that brings in natural light. The dining area adds a raised tray ceiling and an impressive wall of lighted glass-front upper cabinets and lower cabinetry, creating a built-in buffet or open butler's pantry, along with direct access to the covered patio and pool enclosure. Just off the living area, the heated and cooled Florida room adds even more versatility with a half bath, closet, and direct access to the lanai and pool. Use it as an office, hobby room, guest space, or additional living area. The spacious primary suite features double entry doors, a raised tray ceiling with ambient lighting, and its own patio access to the pool and spa. The primary bath includes double vanities, a large marble walk-in shower, and a generous walk-in closet. The front bedroom offers additional flexibility as a bedroom or office, with tile flooring, a raised tray ceiling, and direct access to the separate golf cart garage. The golf cart garage includes storage cabinets and a utility sink. Bedrooms 2 and 3 feature vinyl plank flooring, with a walk-in closet in Bedroom 2 and a full-size closet in Bedroom 3. The second full bath provides a tub/shower combination and ample cabinetry, with additional open bookcase and cabinet storage just outside. Storage has been thoughtfully incorporated throughout the home. Two lighted hall closets have been customized into a butler's pantry and a dedicated office/workstation with a desk, shelving, and cabinetry. The laundry room provides even more functionality with a walk-in storage closet, utility sink, upper cabinetry, skylight, built-in hidden ironing board, and direct access to the attached two-car garage. A security system is also installed. Step outside to a private gunite in-ground pool and spa within a screened lanai, creating an inviting extension of the home's living space. A covered patio off the dining area provides a shaded outdoor space with a ceiling fan, while several areas of the home offer convenient access to the pool and patio. A full fence and large open driveway add additional everyday practicality. Tierra Verde is a gated enclave within The Glades, offering a tucked-away residential setting while remaining centrally located in Panama City Beach. Convenient access to Back Beach Road and Middle Beach Road places shopping, dining, area attractions, everyday services, and the white-sand beaches of Panama City Beach within easy reach. The community's location offers the appeal of being removed from the activity of the main tourism corridors while keeping many of Panama City Beach's destinations and conveniences nearby. Annual HOA dues are $1,750. The home is offered unfurnished with immediate occupancy available.

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
0.17

HOA Fee

1750 Annually

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Tierra Verde

Listing ID

796242

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ 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, Main Level Primary, Walk-In Closet(s), Entrance Foyer

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:134.7 x 60.17 x 128 x 61.01
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$3,254
Taxes
$477
HOA
$1,750

Home Price

$589,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$117,800
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Monthly Price:
$3,254.14

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,254.14 $477.20 $1,750.00 $5,481.34
Yearly $39,049.68 $5,726.42 $21,000.00 $65,776.10
Total $1,171,490.46 $171,792.60 $630,000.00 $1,973,283.06

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: 2026-10-06T23:58:41.000Z

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