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Harrison Lilly Team

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

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12 4s 14w 14w , Panama City, FL 32404
$74,900
Est. Payment: $413.81/mo
0.97 Acres
Status: Active | Days on site: 23
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FREA - B5037
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Harrison Lilly Team
Owner/Operator

House Description

Nearly One Acre Corner Homesite in Callaway! Bring your building plans and take advantage of this spacious approximately 0.98-acre vacant residential parcel offering plenty of room to create your next home. Situated on a corner with paved road frontage on two sides, the property provides excellent access and flexibility for site planning. Public water and sewer are available, adding convenience for future development. With significantly more space than many typical residential homesites in the area, this property offers an attractive opportunity for a buyer, builder, or investor looking for land in an established Callaway location. The parcel is primarily located in Flood Zone AE, so buyers should plan for construction that meets applicable floodplain and elevation requirements. Build now or secure a sizable piece of property for the future. Buyer to verify zoning, permitted uses, utilities, tap fees, flood elevation, setbacks, drainage, survey, and all building and development requirements with the appropriate governmental authorities.

Highlights

Listed by Jennifer N Ethridge , 850-960-6050 Foundation Real Estate Agency LLC , 850-988-1618. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
0.97

County

Bay

Area

02 - Bay County - Central

Neighborhood

[No Recorded Subdiv]

Listing ID

795359

Questions about this listing?

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Interior Features

Exterior Features

Lot:Paved
Lot Dimensions:135.0 ft x 315.0 ft
Zoning:City, Resid Single Family
Principal Interest
$414
Taxes
$56

Home Price

$74,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$14,980
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:
$413.81

Principal

Taxes

Principal Taxes HOA Total
Monthly $413.81 $56.17 $0.00 $469.98
Yearly $4,965.74 $674.06 $0.00 $5,639.80
Total $148,972.22 $20,221.80 $0.00 $169,194.02

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS