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Harrison Lilly

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

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234 Sands St , Panama City Beach, FL 32413
$875,000
Est. Payment: $4,437.83/mo
4 Bed
4 Bath
2025 Sqft
Status: active | Days on site: 132
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Introducing 234 Sands Street - a multi-family property on the desirable west end of Front Beach Road, just steps from public beach access. This charming beach cottage includes an attached mother in-law apartment and a separate detached cottage. Zoned R-3 and situated on an oversized 0.27-acre lot, it allows for duplex or triplex use. The main home features tongue & groove ceilings, wood floors, two bedrooms, a bunk area, and a spacious Florida room. Both additional units have private entrances, full kitchens, and bedrooms, perfect for long term or short term rentals and extended family stays. With a little TLC, this unique property offers excellent potential for three short-term rentals—an outstanding investment opportunity minutes from Pier Park and 30A!
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Highlights

Listed by Renee M Ryan , 850-259-8960 Christies International Real Estate Emerald Coast , 850-213-2800. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.27

Year Built

1953

County

Bay

Area

27 - Bay County

 Neighborhood

Wells Gulf Beach Estate

Listing ID

986157

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Dishwasher, Refrigerator, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Wall/Window Unit(s),Central Air
Fireplaces:
Floor:Floor Hardwood,Floor WW Carpet
Other:
  • ▪ Additional:Hallway Bunk Beds

Exterior Features

Lot:Interior,Level,Survey Available,Within 1/2 Mile to Water
Lot Dimensions:100 x 117
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Separate Bldg Rent, Separate Living Area, Patio Covered
Sewer:Public Sewer
Principal Interest
$4,438
Taxes
$322

Home Price

$875,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$175,000
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:
$4,437.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,437.83 $321.83 $0.00 $4,759.67
Yearly $53,254.02 $3,861.97 $0.00 $57,115.99
Total $1,597,620.57 $115,859.10 $0.00 $1,713,479.67

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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