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

Harrison Lilly Team

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

Agent profile image in message

103 Palm Beach Dr , Panama City Beach, FL 32413
$879,000
Est. Payment: $4,856.35/mo
4 Bed
4 Bath
2041 Sqft
0.04 Acres
Status: Active | Days on site: 19
Get Pre-Qualified
BSRC - B11210
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Just across the street from beach access, this professionally furnished four-bedroom residence offers an exceptional opportunity on the west end of Panama City Beach. Located in Inlet Beach Heights just off Front Beach Road, this three-story, 2,041-square-foot home combines a desirable beachside setting with the appeal of an established short-term rental, without the premium of beachfront. The residence features four bedrooms, three-and-a-halfbaths, high ceilings, crown molding, recessed lighting, and durable laminate flooring throughout. The gourmet kitchen serves as the heart of the home, with quartz countertops, an expansive island, and a full suite of appliances. Dual-zone HVAC systems, insulated doors, double-pane windows, and a smart thermostat provide comfort throughout each level. Fully furnished and currently operating as a short-term rental, the property offers flexibility as an income-producing investment or private coastal retreat. Dining, shopping, entertainment, and the 30A corridor are all within easy reach. A well-appointed beach home offering the location, space, and versatility to enjoy as your own or continue as a rental property.

Highlights

Listed by Tristan C Matthews , 304-694-4721 Scenic Sotheby's International Realty , 850-231-6052. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.04

HOA Fee

1500 Annually

Year Built

2023

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Waterview

Listing ID

795511

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Multi Units
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Smart Thermostat, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:29.0 ft x 61.0 ft
Zoning:Resid Single Family
Roof:Metal
Sewer:Public Sewer
Principal Interest
$4,856
Taxes
$591
HOA
$1,500

Home Price

$879,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$175,800
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:
$4,856.35

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,856.35 $591.47 $1,500.00 $6,947.82
Yearly $58,276.18 $7,097.60 $18,000.00 $83,373.78
Total $1,748,285.42 $212,928.00 $540,000.00 $2,501,213.42

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

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

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 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 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