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Harrison Lilly Team

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

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186 Treasure Palm Dr , Panama City Beach, FL 32408
$355,500
Est. Payment: $1,964.09/mo
3 Bed
2 Bath
1318 Sqft
0.24 Acres
Status: Active | Days on site: 49
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HNR1 - B6005
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Harrison Lilly Team
Owner/Operator

House Description

Coastal living meets everyday comfort at 186 Treasure Palm Drive in Panama City Beach's Treasure Palms community. This well-located 3-bedroom, 2-bath single-story home offers 1,318 square feet of living space on an approximately quarter-acre lot, just a short golf-cart ride from the sugar-white sands and emerald waters of Panama City Beach. Step inside to a light, open living area with vaulted ceilings and a cozy gas fireplace. The kitchen features granite countertops, a tile backsplash, stainless-steel appliances, and convenient flow into the dining and living spaces, ideal for everyday living or entertaining. Fresh interior paint adds a clean, move-in-ready feel. Outside, enjoy a covered patio overlooking a spacious, private backyard with room to relax, entertain, garden, or explore future outdoor enhancements. The 90' x 120' lot provides valuable outdoor space, while the two-car garage adds everyday convenience and storage. Ideally positioned near beach access, boating, dining, entertainment, and local favorites including Captain Anderson's, Schooners, St. Andrews State Park, Treasure Island Marina, and Bay Point. Whether you are looking for a primary residence, coastal retreat, or investment opportunity, this Treasure Palms home delivers location, functionality, and Panama City Beach lifestyle.

Highlights

Listed by Paul D Gibney , 850-775-7766 Corcoran Reverie , 850-231-5030. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.24

Year Built

1998

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Treasure Palms

Listing ID

795627

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:90.0 ft x 120.0 ft
Sewer:Public Sewer
Principal Interest
$1,964
Taxes
$207

Home Price

$355,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$71,100
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:
$1,964.09

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,964.09 $207.29 $0.00 $2,171.37
Yearly $23,569.04 $2,487.46 $0.00 $26,056.50
Total $707,071.07 $74,623.80 $0.00 $781,694.87

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS