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Harrison Lilly

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

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3105 Ten Acre Rd , Panama City, FL 32405
$354,900
Est. Payment: $1,799.99/mo
3 Bed
2 Bath
1612 Sqft
Status: sold | Days on site: 39
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. This custom-built home by Brian McKenzie Builders was constructed with a strong foundation, quality finishes, and a thoughtful layout, not your typical builder-grade home. The open split floor plan is filled with natural light and features luxury LVP flooring and quartz countertops. The kitchen includes shaker-style soft-close cabinets, a walk-in pantry, and a sink workstation with cutting board and drain board. Gold accents add a modern touch. The master suite offers a soaking tub, tiled shower, double vanity, and private toilet closet. Additional highlights include a spacious laundry room with sink, a 2-car garage with insulated door and keypad, attic storage, sprinkler system with its own meter, gutters, and a covered back porch. The smaller yard is great for a pet, playset, or garden and ideal for low-maintenance living. If you need more yard space, the adjacent lot is also available with water and sewer hookups, perfect for added yard space or a future guest house or mother-in-law suite. Located less than 20 minutes to Tyndall AFB, under 30 minutes to the Navy base and beach, and just over 3 miles to shopping and dining. Comes with a 1-year builder warranty. This builder values quality over quantity and builds true custom homes designed for lasting value and long-term efficiency. They focus on building something that lasts. Ask what sets this home apart and about our preferred lender incentives! Interested in touring this home? Reach out to the listing agent or your realtor. If important, buyers to verify all information and measurements.

Highlights

Listed by Kara McKenzie , 850-771-6881 Gillman Group Realty , 850-776-8223. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

Year Built

2025

County

Bay

Area

02 - Bay County - Central

Neighborhood

[No Recorded Subdiv]

Listing ID

779226

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Smart Thermostat, Mud Room

Exterior Features

Lot:Paved
Lot Dimensions:75 x 100
Zoning:Resid Single Family
Roof:Asphalt
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Paved
Principal Interest
$1,800
Taxes
$29

Home Price

$354,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$70,980
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:
$1,799.99

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,799.99 $29.00 $0.00 $1,828.99
Yearly $21,599.83 $348.00 $0.00 $21,947.83
Total $647,994.90 $10,440.00 $0.00 $658,434.90

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T09:45:57.000Z

© 2026 Bay County Association of REALTORS