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Harrison Lilly

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

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314 Blue Sage Rd , Panama City Beach, FL 32413
$589,500
Est. Payment: $2,989.83/mo
4 Bed
3 Bath
2250 Sqft
Status: pending | Days on site: 242
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator
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House Description

'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Own a beautiful home in sought after Whisper Dunes on the West End of Panama City Beach! Beautiful 2 story home with 4 bedroom 3 baths offers easy living with the open floor plan with plenty of room for entertaining or just enjoying a quiet night at home. Off the living room you can relax on your screened porch overlooking the conservation area. Show off your culinary skills in this very spacious kitchen with plenty of room to move around. The master bedroom is located on the main level with an ensuite that is handicap assessable. There is a large walk in closet and double vanities. The two additional bedrooms are on the main level with a shared bath. Upstairs you will find a fourth bedroom with a private bath this would be perfect for a day sleeper, craft room or guests. Just a short walk to the community pool - just waiting for you to jump in! If you do not like yard work you are in luck ~ your yard work is taken care of front and back! This community is just a short drive to 30-A or to our beautiful beaches.
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Highlights

Listed by Darlene B Smith , 404-391-6361 Beachy Beach Real Estate , 850-233-4351. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.15

HOA Fee

3088 Annually

Year Built

2016

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Whisper Dunes

Listing ID

782122

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:ENERGY STAR Qualified Appliances, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • ▪ Additional:Coffered Ceiling(s), Double Vanity, Handicap Access, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:60 X 110
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,990
Taxes
$327
HOA
$3,088

Home Price

$589,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$117,900
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:
$2,989.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,989.83 $327.33 $3,088.00 $6,405.17
Yearly $35,877.99 $3,928.00 $37,056.00 $76,861.99
Total $1,076,339.80 $117,840.00 $1,111,680.00 $2,305,859.80

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 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

© 2026 Bay County Association of REALTORS