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Harrison Lilly

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

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4448 Ashland Rd , Panama City, FL 32405
$1,800,000
Est. Payment: $9,128.31/mo
5 Bed
5 Bath
6176 Sqft
Status: pending | Days on site: 5
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare Opportunity to Complete Your Dream Waterfront Estate An extraordinary opportunity awaits with this nearly completed 8803 UNDER ROOF-square-foot luxury waterfront estate, perfectly positioned to capture breathtaking water views and offering the ultimate boating lifestyle with a private dock and boat slip. Originally envisioned as a custom dream home, this remarkable property is now available due to an unexpected life change that has prevented the current owners from completing the project. Their loss creates an incredible opportunity for the next owner to finish this masterpiece exactly to their personal taste and style. The hard work has already been done, and MOST finish materials have been purchased and are included, allowing you to customize the final touches without the delays and uncertainty of sourcing high-end materials. Add your own vision by selecting the installation and finishing details that reflect your unique style while avoiding the lengthy process of starting from scratch. Designed with luxury living in mind, this impressive estate offers expansive living spaces, exceptional craftsmanship, and endless potential to become one of the area's premier waterfront residences. Whether you're seeking a private family retreat, an entertainer's paradise, or a legacy property to enjoy for generations, this home provides a rare foundation for something truly spectacular. Luxury waterfront opportunities of this caliber are exceptionally rare--especially one that allows you to personalize the final finishes while stepping into an already well-advanced custom build. Offered at $1,800,000. Schedule your private tour today and imagine the possibilities of bringing this extraordinary waterfront estate to completion.

Highlights

Listed by Jennifer Bowman , 850-258-1509 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.79

Year Built

2026

County

Bay

Area

02 - Bay County - Central

Neighborhood

Ashland

Listing ID

793458

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:5
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:Electric
Other:
  • Additional:Main Level Primary, Pantry

Exterior Features

Lot Dimensions:120.0 ft x 290.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Dock, Outdoor Kitchen
Principal Interest
$9,128
Taxes
$664

Home Price

$1,800,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$360,000
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:
$9,128.31

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,128.31 $664.15 $0.00 $9,792.46
Yearly $109,539.75 $7,969.74 $0.00 $117,509.49
Total $3,286,192.39 $239,092.20 $0.00 $3,525,284.59

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS