Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

3333 W 14th St , Panama City, FL 32401
$3,400,000
Est. Payment: $18,784.51/mo
1.89 Acres
Status: Active | Days on site: 0
Get Pre-Qualified
exprpc - TEPCH,B0252
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Discover an exceptionally rare opportunity to own nearly 2 acres of premier bayfront property in the heart of Historic St. Andrews - one of Panama City's most desirable and charming waterfront communities. Spanning approximately 1.9 acres, this extraordinary estate-sized homesite offers the perfect setting to build your dream waterfront residence, private retreat, or luxury family compound. Nestled at the end of a quiet street, the property features approximately 165 feet of direct frontage on St. Andrews Bay, providing breathtaking panoramic water views, mature oak trees, and a level of privacy seldom found in such a sought-after location. Enjoy direct access to the bay and Gulf waters for boating, fishing, paddleboarding, and endless outdoor recreation, all from your own backyard. A dock permit has already been issued for reconstruction of the existing dock, including a 332-foot walkway, three 38-foot finger piers, and a 14' x 38' covered boat slip with lift. This exceptional setup offers ample space for multiple vessels and creates the ultimate waterfront lifestyle. Imagine departing from your private dock for a family excursion to Shell Island, an afternoon on the water, or an early morning chasing redfish across the nearby flats. Perched at a high elevation, the property offers stunning sunset views over the bay, creating a spectacular backdrop for everyday living. Despite its peaceful, secluded setting, the homesite is just minutes from the shops, restaurants, marina, and vibrant atmosphere of Historic St. Andrews, with convenient access to Downtown Panama City and the white-sand beaches and emerald waters of the Gulf Coast.

Highlights

Listed by PC Coastal Group , 850-749-5603 and Robbie Hughes , 850-832-8990 eXp Realty LLC , 850-749-5603. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
1.89

County

Bay

Area

02 - Bay County - Central

Neighborhood

[No Recorded Subdiv]

Listing ID

796329

Questions about this listing?

Contact Agent

Interior Features

Exterior Features

Lot:Paved
Lot Dimensions:165.0 ft x 500.0 ft
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$18,785
Taxes
$1,129

Home Price

$3,400,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$680,000
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:
$18,784.51

Principal

Taxes

Principal Taxes HOA Total
Monthly $18,784.51 $1,128.59 $0.00 $19,913.10
Yearly $225,414.12 $13,543.10 $0.00 $238,957.22
Total $6,762,423.70 $406,293.00 $0.00 $7,168,716.70

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS