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Harrison Lilly Team

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

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1111 Clay Ave , Panama City, FL 32401
$228,000
Est. Payment: $1,259.67/mo
2 Bed
2 Bath
1064 Sqft
0.21 Acres
Status: Pending | Days on site: 5
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Harrison Lilly Team
Owner/Operator

House Description

This home in the St. Andrews area is ready to move in. This 2 bedroom, 2 bath house features an attached garage, covered front porch, screened in back porch, and the back yard has a privacy fence. It was built in 2000 and been well maintained. It is flat, no steps, new roof in 2018 and leaf guards on the gutters, and the hot water heater was replaced in 2024. The big eat-in kitchen has a ton of cabinets, plenty of counter space, recessed lighting, stainless steel double sink, a wall oven, wall microwave, dishwasher and a refrigerator with ice and water through the door. All the appliances are Kitchen Aid. The garage has a sealed concrete floor painted gray with sprinkles for a neat appearance. Both bedrooms have carpet, and the living room and hall bathroom has new luxury vinyl plank flooring. There are 2 windows in the kitchen that overlook the privacy fenced back yard. The 12x12 screened back porch is a quiet place to relax. About 4 blocks is a cute park on St. Andrews Bay to watch the sun go down. Less than a quarter mile is St. Andrews Marina that has a variety of restaurants, shopping, free boat launch and parking. Come check it out!

Highlights

Listed by Harvey B Webb , 850-703-3028 Counts Real Estate Group , 850-248-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.21

Year Built

2000

County

Bay

Area

02 - Bay County - Central

Neighborhood

[No Recorded Subdiv]

Listing ID

795106

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • ▪ Additional:Shower Only

Exterior Features

Lot:Paved
Lot Dimensions:66.0 ft x 140.0 ft
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Covered Patio, Porch, Rain Gutters
Sewer:Public Sewer
Principal Interest
$1,260
Taxes
$49

Home Price

$228,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$45,600
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:
$1,259.67

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,259.67 $48.88 $0.00 $1,308.55
Yearly $15,116.01 $586.60 $0.00 $15,702.61
Total $453,480.18 $17,598.00 $0.00 $471,078.18

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, 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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS