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Harrison Lilly Team

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

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635 16th St , Panama City Beach, FL 32413
$509,000
Est. Payment: $2,812.15/mo
3 Bed
2 Bath
1396 Sqft
0.33 Acres
Status: Active | Days on site: 99
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Harrison Lilly Team
Owner/Operator

House Description

West End Panama City Beach Gem - Short walk to the beach, Large lot, Oversized detached garage, No HOA, and Private Pool Properties with a combination of beach proximity, easy access to the 30A corridor, no HOA, a large lot, and an oversized detached garage/workshop are increasingly hard to find on the desirable west end of Panama City Beach. Inside, you'll find updated flooring and bathrooms, 2 walk-in closets, gas fireplace, a safe room, a clean and inviting interior, and a move-in ready layout that allows you to start enjoying the coastal Florida lifestyle immediately. Step outside to your backyard retreat through the screened-in porch featuring a shaded composite deck, saltwater sports pool and privacy fencing--perfect for entertaining, relaxing, or enjoying year-round outdoor living. A standout feature is the oversized 20' x 30' detached garage which provides ample space for vehicles, boats, golf cart, workshop needs or additional storage. Just a 3-minute golf cart ride to the beach, you'll enjoy easy access to the sugar-white sands and emerald waters of the Gulf while still having the comfort of a spacious residential setting. Whether you're looking for a primary residence, second home, or investment property, this home checks all the boxes. Property Features: • Updated bathrooms and flooring • 2 Walk-in closets • Gas fireplace • Safe Room • 115' x 125' Lot • Large 20' x 30' detached garage/workshop • Screened-in porch • Water softening system • Attic • No HOA • Move-in ready • Sprinkler System on well • Private saltwater swimming pool • Hurricane shutters • 2-year-old roof • Shaded composite deck Location Highlights: • Short walk or golf cart ride to the Gulf's sugar- white beaches • Approximately 10 minutes to Pier Park • Convenient access to the scenic 30A corridor • Close to shopping, dining, entertainment, and outdoor recreation • Quiet west-end location with excellent accessibility This property is offered in as is condition. Schedule your private showing today and experience the perfect combination of privacy, convenience, and coastal living.

Highlights

Listed by Moe Mossa , 888-490-1268 Savvy Avenue LLC , 888-490-1268. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.33

Year Built

1996

County

Bay

Area

03 - Bay County - Beach

Neighborhood

White Sands Estates

Listing ID

791808

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2

Exterior Features

Lot Dimensions:115.0 ft x 125.0 ft
Principal Interest
$2,812
Taxes
$324

Home Price

$509,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$101,800
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:
$2,812.15

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,812.15 $324.49 $0.00 $3,136.64
Yearly $33,745.82 $3,893.85 $0.00 $37,639.67
Total $1,012,374.61 $116,815.50 $0.00 $1,129,190.11

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: 2026-10-07T08:07:44.000Z

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