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Harrison Lilly

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

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232 Cathy Pl , Panama City Beach, FL 32413
$395,000
Est. Payment: $2,003.16/mo
0 Bed
0 Bath
0 Sqft
Status: active with contingency | Days on site: 403
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Under Contract Seller accepting back up offers.//Prime Oversized Lot Just One Block from the Gulf! !! POSSIBLE OWNER FINANCING! This 6,750 sq ft parcel is zoned R-3, allowing for a duplex, triplex, quadplex, or two townhomes with garages and a pool -- or build your coastal dream home with room for a garage and private pool. Located on a quiet, one-block dead-end street in a charming, low-traffic neighborhood, you'll enjoy a peaceful setting that's still just minutes from all the excitement and amenities of Panama City Beach. Take a golf cart ride or stroll to the beach, a locally owned grocery and beverage store, or several popular restaurants. Close to Camp Helen State Park, home to one of Florida's largest coastal dune lakes -- perfect for fishing, kayaking, paddleboarding, or crabbing. Whether you're an investor looking to build a profitable multi-family rental or Airbnb, or dreaming of your own personal beach retreat, this property offers flexibility, location, and potential. Mature palms and oaks provide a lush coastal backdrop, with city water hook up readily available and sewer available. An exceptional opportunity in a prime beachside setting! Property in this neighborhood doesn't come available often! Don't miss this opportunity, CALL TODAY/// Let's make this dream your reality. ALL MEASUREMENTS ARE APPROXIMATE AND SHOULD BE VERIFIED BY BUYER.

Highlights

Listed by Tonia Hathaway , 850-415-2806 CENTURY 21 Commander Realty , 850-769-8326. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
0.15

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Wells Gulf Beach Estates

Listing ID

775624

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:0
  • Full Bathrooms:

Exterior Features

Lot Dimensions:92X76X92X76 APX
Zoning:Multi-Family
Principal Interest
$2,003
Taxes
$135

Home Price

$395,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$79,000
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:
$2,003.16

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,003.16 $134.67 $0.00 $2,137.82
Yearly $24,037.89 $1,616.00 $0.00 $25,653.89
Total $721,136.66 $48,480.00 $0.00 $769,616.66

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:33:19.000Z

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