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Harrison Lilly Team

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

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1108 W Beach Dr , Panama City, FL 32401
$1,099,000
Est. Payment: $6,071.82/mo
1.18 Acres
Status: Active | Days on site: 216
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Harrison Lilly Team
Owner/Operator

House Description

This is your opportunity to own a 1.17-acre, WATERFRONT estate-size homesite on iconic Scenic Beach Drive in Panama City, Florida with NO HOA! Perfectly positioned with stunning Bay views, this exceptional property spans street-to-street and includes two parcels extending down to the Bay, creating a truly unique setting for your future waterfront dream home. This size homesite in this location are not available often offering a unique blend of privacy with the homesite size and desirable location in between Historic St. Andrews and Downtown Panama City. With 132 feet frontage, this homesite provides a generous, buildable footprint ideal for an estate-sized home. Zoned R-1 for single family homes, the property is ready for your vision and allows flexibility in design without HOA restrictions. Deeded waterfront access further enhances the value and lifestyle appeal, making this one of the most desirable opportunities along Scenic Beach Drive. Ideally located between Historic St. Andrews and Downtown Panama City, this homesite places you at the heart of a vibrant coastal community. Enjoy walking or biking to local farmers markets, breweries, boutique shops, marinas, and a variety of dining options. Scenic Beach Drive is known for its bike-friendly streets, community events, parades, and classic waterfront charm. The waterfront lifestyle extends far beyond your backyard. Launch kayaks or paddleboards, anchor your boat for the day, enjoy a refreshing swim, or simply relax and take in the ever-changing Bay views. And when summer arrives, experience one of Scenic Beach Drive's most beloved traditions, Fourth of July fireworks over the Bay...best enjoyed from the comfort of your own home. With its rare size, premier location, Bay views, and no HOA, this estate-size homesite offers endless possibilities to create a custom waterfront retreat and fully embrace the Florida coastal lifestyle. Survey is available.

Highlights

Listed by Sostheim Group , 850-814-4560 Corcoran Reverie , 850-231-5030. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
1.18

County

Bay

Area

02 - Bay County - Central

Neighborhood

Baker Plat

Listing ID

783976

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Interior Features

Exterior Features

Lot:Paved
Lot Dimensions:375'x117'x355'x132' and 63'x137'x66'x132'
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$6,072
Taxes
$845

Home Price

$1,099,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$219,800
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:
$6,071.82

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,071.82 $844.75 $0.00 $6,916.57
Yearly $72,861.80 $10,137.00 $0.00 $82,998.80
Total $2,185,854.01 $304,110.00 $0.00 $2,489,964.01

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