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Harrison Lilly Team

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

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32 Chateau Rd , Panama City Beach, FL 32413
$424,900
Est. Payment: $2,347.51/mo
2 Bed
2 Bath
1139 Sqft
Status: Active | Days on site: 124
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RJR - B11416
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Harrison Lilly Team
Owner/Operator

House Description

The bright lights of Panama City Beach is introducing you to this SHOWSTOPPER! Introducing a completely remodeled luxury townhome on the highly desirable west end of Panama City Beach--where refined coastal design meets effortless beachside living. With a low HOA and the opportunity for 10% down financing through a local lender, this is a rare blend of accessibility and upscale appeal. Perfectly positioned just 0.3 miles from Beach Access 76B, this stunning 2BR/1.5BA residence has been thoughtfully transformed with high-end finishes and designer touches throughout. The heart of the home is a showstopping kitchen featuring endless granite countertops, stainless steel appliances, custom tile backsplash, and crisp white storybook cabinetry, all flowing seamlessly into a bright, open living space designed for both relaxation and entertaining. Upstairs, retreat to a beautifully appointed primary suite complete with a spa-inspired walk-in shower and a private balcony, the perfect setting for sunset evenings along the Gulf Coast. The guest bedroom offers two queen beds, comfortably accommodating family and guests, while the home sleeps up to six with ease. Step outside to your expansive, newly built private deck, an inviting outdoor living space ideal for morning coffee or evening gatherings. A second-floor balcony adds yet another layer of elevated coastal charm. Residents enjoy access to a community pool, all within moments of the beach. Located just 3.5 miles from Pier Park and minutes from top attractions like Shipwreck Island Waterpark, this property places world-class dining, shopping, and entertainment at your fingertips. Whether you're seeking a refined personal getaway or a high-performing investment, this luxury coastal retreat delivers style, location, and lifestyle in one exceptional package.

Highlights

Listed by Chad Hatfield , 850-225-6893 RealJoy Realty LLC , 813-376-5621. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1870 Annually

Year Built

1982

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Villa Chateaus

Listing ID

788058

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Cooktop, Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Sitting Area in Primary, Upper Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:0
Zoning:City
Others:
  • ▪ Additional:Covered Patio, Deck, Patio
Sewer:Public Sewer,Sewer Tap Paid
Parking Features:Paved
Principal Interest
$2,348
Taxes
$360
HOA
$1,870

Home Price

$424,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$84,980
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:
$2,347.51

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,347.51 $359.92 $1,870.00 $4,577.43
Yearly $28,170.14 $4,319.00 $22,440.00 $54,929.14
Total $845,104.07 $129,570.00 $673,200.00 $1,647,874.07

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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS