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Harrison Lilly

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

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3211 Treasure Cir , Panama City Beach, FL 32408
$399,900
Est. Payment: $2,028.22/mo
2 Bed
2 Bath
968 Sqft
Status: active | Days on site: 143
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located in the heart of Panama City Beach, this charming beach cottage is just a short walk or quick golf cart ride to the white sandy beaches and emerald waters of the Gulf. Offering 2 bedrooms and 2 bathrooms, this cozy property features an efficient floor plan designed for comfortable coastal living. The fully fenced backyard provides plenty of space for pets, entertaining, or relaxing after a day at the beach. Conveniently located near public beach access, shopping, dining, and local attractions, this property offers endless potential as a primary residence, vacation getaway, or investment opportunity. Short-term rentals are allowed, making it an excellent option for those looking to generate rental income or customize the property to fit their vision. Whether you're searching for your own beach retreat or an investment near the coast, this property is full of possibilities. Buyer to verify all measurements and information deemed important.

Highlights

Listed by Brandie Allon , 850-960-5990 and Kim Limmer , 850-319-7316 Coastal Palms Real Estate , 716-912-1447. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

Year Built

1980

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Treasure Island

Listing ID

787053

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Shower Only

Exterior Features

Lot Dimensions:75x100
Sewer:Public Sewer
Principal Interest
$2,028
Taxes
$215

Home Price

$399,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,980
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:
$2,028.22

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,028.22 $214.58 $0.00 $2,242.80
Yearly $24,338.61 $2,575.00 $0.00 $26,913.61
Total $730,158.25 $77,250.00 $0.00 $807,408.25

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