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Harrison Lilly Team

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

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405 Bay Shore Dr , Panama City Beach, FL 32407
$799,000
Est. Payment: $4,414.36/mo
3 Bed
2 Bath
1968 Sqft
0.55 Acres
Status: Active | Days on site: 120
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Harrison Lilly Team
Owner/Operator

House Description

191 FEET OF WATERFRONT • 0.55 ACRE • NO HOA • PRIVATE DOCK & BOAT LIFT • DIRECT BAY ACCESS Opportunities like this are increasingly difficult to find in Panama City Beach. Situated on more than half an acre in the established Woodlawn community, this canal-front property offers approximately 191 feet of seawall frontage, a private dock, substantial boat and RV parking, and direct access to St. Andrews Bay and the Gulf of Mexico. For boaters, this property is the main event. The wide canal measures approximately 80 feet across and averages 5-6 feet deep at center, providing excellent maneuverability and access for larger vessels. The private dock features an I-beam boat lift capable of accommodating a vessel up to approximately 30 feet, allowing you to keep your boat at home and be on St. Andrews Bay in minutes. From your backyard, spend the morning fishing, cruise to Shell Island for the afternoon, visit one of the area's boat-accessible restaurants, or finish the day with a sunset ride across the bay. This is the kind of property where boating isn't something you plan around--it becomes part of everyday life. The 0.55-acre lot and approximately 191 feet of waterfront provide a combination of space and shoreline that can be difficult to replicate. A wide electronic gate, extensive paver area, and dedicated space for a boat trailer or RV add even more flexibility--all with NO HOA. Built in 1958, the 3-bedroom residence reflects the Old Florida character of Woodlawn, one of the area's earlier planned waterfront communities. Inside, you'll find 2 full bathrooms plus a convenient half bath near the garage, along with a Florida room that expands the living space and creates an easy transition between the home and waterfront. Unique features give the property additional character, including a built-in mini bar, covered outdoor patio, and built-in BBQ grill with a functioning flue system--an ideal setup for entertaining after a day on the water. And while the property feels tucked away from the busier tourist corridor, the location remains exceptionally convenient. Historic St. Andrews, Downtown Panama City, restaurants, shopping, and entertainment are just minutes away, while Panama City Beach and Pier Park are within an easy drive. This isn't simply a home near the water--it's a waterfront property built around the boating lifestyle. With approximately 191 feet of seawall, more than half an acre, a private dock and boat lift, room for your boat or RV, direct access to St. Andrews Bay, and no HOA, 405 Bay Shore Drive offers a combination that's increasingly hard to find. Bring your boat and come experience what waterfront living in Panama City Beach can look like.

Highlights

Listed by Jason R Maddux , 850-628-5800 CENTURY 21 AllPoints Realty , 850-230-4514. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.55

Year Built

1959

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Woodlawn Unit 2

Listing ID

790982

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Gas Cooktop, Gas Range, Gas Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Shower Only

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:222 x 191
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Boat Lift, Barbecue, Covered Patio, Dock, Patio, Fire Pit, Outdoor Shower, Porch, Rain Gutters
Sewer:Public Sewer
Parking Features:Additional Parking,Garage,Garage Door Opener,Paved,RV Access/Parking
Principal Interest
$4,414
Taxes
$509

Home Price

$799,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$159,800
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Monthly Price:
$4,414.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,414.36 $509.36 $0.00 $4,923.72
Yearly $52,972.32 $6,112.35 $0.00 $59,084.67
Total $1,589,169.57 $183,370.50 $0.00 $1,772,540.07

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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