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Harrison Lilly

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

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655 16th St , Panama City Beach, FL 32413
$529,500
Est. Payment: $2,685.52/mo
4 Bed
3 Bath
2280 Sqft
Status: active | Days on site: 76
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located on the sought-after west end of Panama City Beach, this charming yellow beach house offers 4 bedrooms, 2.5 baths, and endless potential on a large lot with no HOA. Just minutes from the beach, the home features a spacious layout with generous living areas and plenty of room to make it your own. The interior is ready for updates, making this an excellent opportunity for investors, renovators, or buyers looking to create a personalized coastal retreat. With ample outdoor space for boats, RV parking, or future additions, this property combines location, flexibility, and value in one of the area's most desirable beachside communities.

Highlights

Listed by Shelley M Smith , 850-502-0117 Better Homes and Gardens Coast Properties , 850-687-9988. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.32

Year Built

2013

County

Bay

Area

03 - Bay County - Beach

Neighborhood

White Sands Estates

Listing ID

790106

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Separate Shower

Exterior Features

Lot:Paved
Lot Dimensions:125x115x123x113
Zoning:Resid Single Family
Roof:Asphalt
Others:
  • Additional:Patio
Principal Interest
$2,686
Taxes
$121

Home Price

$529,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$105,900
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:
$2,685.52

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,685.52 $121.25 $0.00 $2,806.77
Yearly $32,226.29 $1,455.00 $0.00 $33,681.29
Total $966,788.67 $43,650.00 $0.00 $1,010,438.67

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 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