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Harrison Lilly Team

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

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3940 Richardson Rd , Panama City, FL 32404
$340,000
Est. Payment: $1,878.45/mo
2 Bed
1 Bath
1466 Sqft
1.76 Acres
Status: Active | Days on site: 24
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EREF - TEGTV,B2773
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 3940 Richardson Road, where extensive updates, spacious living, and a beautiful outdoor setting come together on 1.76 acres in Panama City. The home has been extensively remodeled, with a roof installed in 2019 and numerous updates completed since then. Inside, this two bedroom, one bathroom home features generously sized rooms and a versatile bonus room that can serve as an office, guest room, hobby space, or additional living area. A one car garage provides covered parking and extra storage space. The outdoor setting is truly impressive, with beautiful landscaping, irrigation system and enormous mature weeping willow trees creating a peaceful atmosphere filled with natural character. Mill Bayou Creek flows through the back of the property, adding to the scenery and distinctive appeal. A separate shed provides additional space for tools, lawn equipment, and outdoor belongings. With its updated interior, spacious rooms, flexible bonus room, garage, acreage, mature trees, and creek frontage, this property offers a wonderful combination of comfort, space, and natural beauty.

Highlights

Listed by The Golden Collective , 850-532-2773 and Stephanie Aldea , 850-532-2773 Empire Real Estate of Florida LLC , 850-247-8868. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.76

Year Built

1997

County

Bay

Area

02 - Bay County - Central

Neighborhood

[No Recorded Subdiv]

Listing ID

795292

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot:Sprinkler System
Lot Dimensions:115.0 ft x 670.0 ft
Parking Features:Drive Through
Principal Interest
$1,878
Taxes
$84

Home Price

$340,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$68,000
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:
$1,878.45

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,878.45 $83.95 $0.00 $1,962.40
Yearly $22,541.41 $1,007.42 $0.00 $23,548.83
Total $676,242.37 $30,222.60 $0.00 $706,464.97

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