Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from , its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
main property photo 0
main property photo 1
main property photo 2
main property photo 3
main property photo 4
main property photo 5
main property photo 6
main property photo 7
main property photo 8
main property photo 9
main property photo 10
main property photo 11
main property photo 12
main property photo 13
main property photo 14
main property photo 15
main property photo 16
main property photo 17
main property photo 18
main property photo 19
main property photo 20
main property photo 21
main property photo 22
main property photo 23
main property photo 24
main property photo 25
main property photo 26
main property photo 27
main property photo 28
main property photo 29
main property photo 30
main property photo 31
main property photo 32
main property photo 33
main property photo 34
main property photo 35
main property photo 36
main property photo 37
main property photo 38
main property photo 39
main property photo 40
main property photo 41
main property photo 42
View All (43)
property photo 1
property photo 2
property photo 3
655 16th St , Panama City Beach, FL 32413
$529,500
Est. Payment: $2,925.41/mo
4 Bed
3 Bath
2280 Sqft
0.32 Acres
Status: Active | Days on site: 76
Get Pre-Qualified
BCPB - B9359
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator
View agent profile
Email
Call

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.
Show more

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

Questions about this listing?

Contact Agent

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
$2,925
Taxes
$121

Home Price

$529,500

Loan Details

30 yrs
7.374%

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:
$2,925.41

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,925.41 $121.25 $0.00 $3,046.66
Yearly $35,104.93 $1,455.00 $0.00 $36,559.93
Total $1,053,148.04 $43,650.00 $0.00 $1,096,798.04

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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

© 2026 Bay County Association of REALTORS