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Harrison Lilly

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

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405 Bay Shore Dr , Panama City Beach, FL 32407
$829,000
Est. Payment: $4,204.09/mo
3 Bed
2 Bath
1968 Sqft
Status: active | Days on site: 50
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare opportunity to own a waterfront home in the historic Woodlawn community, one of Panama City Beach's earliest planned neighborhoods. This charming 1958 canal-front residence offers the perfect blend of Old Florida character, boating convenience, and an unbeatable location with no HOA. Situated on a wide canal with approximately 191 feet of seawall frontage, this property is a boater's dream. Enjoy direct access to St. Andrews Bay and the Gulf of Mexico from a canal averaging 5-6 feet deep at center and approximately 80 feet wide, providing excellent maneuverability for larger vessels. The private dock is equipped with an I-beam boat lift capable of accommodating boats up to 30 feet in length, making it easy to get on the water at a moment's notice. Inside, the home features 3 bedrooms, 2 full baths, and a convenient half bath near the garage. The Florida room expands the living space and creates an ideal indoor-outdoor transition area for relaxing or entertaining. Additional highlights include a built-in mini bar, a covered outdoor patio, and a built-in BBQ grill with a functioning flue system, creating the perfect setting for waterfront gatherings. The waterfront lifestyle is what truly sets this property apart. Spend your days fishing from your dock, cruising to Shell Island, exploring St. Andrews Bay, or enjoying some of the area's popular boat-accessible restaurants. Whether it's a morning fishing trip, an afternoon at Shell Island, or a sunset cruise with family and friends, this home offers endless opportunities to enjoy life on the water. Conveniently located just minutes from the shops, restaurants, and entertainment of Historic St. Andrews and Downtown Panama City, and only a short drive to Pier Park, you'll enjoy the best of both worlds--peaceful waterfront living with easy access to some of the area's most popular destinations. Waterfront homes with this combination of character, boating amenities, expansive seawall frontage, and prime Panama City Beach location rarely come available. Don't miss your chance to own a piece of coastal Florida history and start living the waterfront lifestyle you've always imagined.

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
$4,204
Taxes
$528

Home Price

$829,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$165,800
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:
$4,204.09

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,204.09 $528.49 $0.00 $4,732.58
Yearly $50,449.14 $6,341.85 $0.00 $56,790.99
Total $1,513,474.16 $190,255.50 $0.00 $1,703,729.66

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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

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