Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

231 Middleburg Dr , Panama City Beach, FL 32413
$484,900
Est. Payment: $2,459.32/mo
4 Bed
3 Bath
2425 Sqft
Status: active | Days on site: 103
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Seller is motivated 4BR/2.5BA ranch home in Palmetto Trace with pond frontage, community pool access, and a convenient Panama City Beach location near shopping, dining, and the beach. Built in 2006, this single-level home offers approximately 2,425 square feet under roof with an open living area, tile flooring throughout with carpted bedrooms, crown molding, 9 foot ceilings, and abundant natural light. Carpet just replaced in the bedroom staged as an office. The kitchen features a breakfast bar, pantry, and included appliances. The primary suite includes a walk-in closet and double vanity bath. Enjoy a covered patio, spacious backyard with pond views, and a 2-car attached garage. Palmetto Trace amenities include a community pool and sidewalks throughout the neighborhood.

Highlights

Listed by Bode at the Beach Group , 770-363-3707 and Ashton C Wellborn , 770-363-3707 Salty Marlin Realty , 850-615-2406. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

2006

County

Bay

Area

27 - Bay County

Neighborhood

Unrecorded Subdivision

Listing ID

1002548

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Refrigerator, Stove/Oven Electric, Washer
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Ceiling Crwn Molding, Pantry

Exterior Features

Lot:Cleared,Interior,Restrictions,Sidewalk,Within 1/2 Mile to Water,Pond
Lot Dimensions:65x130
Zoning:Resid Single Family
Others:
  • Additional:Patio Covered, Patio Open
Sewer:Public Sewer
Principal Interest
$2,459
Taxes
$244
HOA
$0

Home Price

$484,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$96,980
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:
$2,459.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,459.32 $243.98 $0.00 $2,703.30
Yearly $29,511.86 $2,927.78 $0.00 $32,439.64
Total $885,355.67 $87,833.40 $0.00 $973,189.07

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

© 2026 Emerald Coast Multiple Listing Services