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Harrison Lilly

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

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3622 Gaines St , Panama City, FL 32404
$334,000
Est. Payment: $1,693.98/mo
3 Bed
2 Bath
1788 Sqft
Status: active | Days on site: 75
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

3622 Gaines St, Panama City, FL is a ranch style 3 bedroom 2 bath home on a large .6 acre lot with a privacy fenced back yard. The house has low maintenance brick siding and beautiful shade trees in the front yard to ease the cooling bill with the double paned windows. When it comes to parking, you get a 2 car attached garage, enough concrete driveway with a turn around for more than a few cars, and another detached oversized one car garage. Inside, you get large rooms including a living room with vaulted ceiling and woodstove insert in the brick fireplace. Kitchen has great cabinets, new fridge and new stove. The breakfast area with bay window has room for a large dining table and there is another dining room currently used as an extra bedroom. In the master bedroom you have plenty of room for big furniture and his and hers closets. The garden bathtub under the skylight is a place for tranquility. If you want a large yard, plenty of room for vehicles, all on a short quiet street, just minutes from schools and shopping, this is your new home.

Highlights

Listed by John D Shook , 850-527-8699 and Ross Ticknor , 850-359-3534 Clubbs Real Estate Group LLC , 850-750-2000. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.62

Year Built

1983

County

Bay

Area

02 - Bay County - Central

Neighborhood

[No Recorded Subdiv]

Listing ID

789311

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Gas Oven, Gas Range, Gas Water Heater, Plumbed For Ice Maker
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, See Remarks, Soaking Tub, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:200x135
Zoning:County, Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Patio
Parking Features:Additional Parking,Garage,Garage Door Opener,Paved
Principal Interest
$1,694
Taxes
$234

Home Price

$334,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$66,800
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:
$1,693.98

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,693.98 $234.08 $0.00 $1,928.07
Yearly $20,327.82 $2,809.00 $0.00 $23,136.82
Total $609,834.59 $84,270.00 $0.00 $694,104.59

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