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Harrison Lilly

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

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204 Baldwin Rowe Cir , Panama City, FL 32405
$265,000
Est. Payment: $1,344.03/mo
3 Bed
3 Bath
1654 Sqft
Status: active | Days on site: 208
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Right in the heart of Panama City, this Baldwin Rowe townhome puts you close to Bay County's top schools, everyday shopping, and local dining. Inside, you'll find a bright, well-kept layout with 9-foot ceilings, elegant crown molding, and granite tile countertops, plus a convenient downstairs half bath for visitors.The main living space opens to a screened-in patio with peaceful pond views-an ideal spot to unwind. Upstairs, all three bedrooms are thoughtfully placed near the full guest bath and the laundry area. The primary suite includes a walk-in closet and a private bath with double vanities and a garden tub/shower combo.Recent updates include fresh interior paint and updated appliances, making this home truly move-in ready. Baldwin Rowe is a gated community with a clubhouse, pool, and covered mail kiosk—perfect for a low-maintenance lifestyle. And with interest rates trending down, now is a smart time to buy and lock in your next home.

Highlights

Listed by Mowayne Copeland , 850-276-1478 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

600 Quarterly

Year Built

2007

County

Bay

Area

02 - Bay County - Central

Neighborhood

Baldwin Rowe

Listing ID

783143

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Interior Steps, Smart Thermostat, Upper Level Primary

Exterior Features

Lot Dimensions:0x0
Others:
  • Additional:Patio
Sewer:Public Sewer
Parking Features:Additional Parking,Garage,Garage Door Opener,Gated
Principal Interest
$1,344
Taxes
$276
HOA
$600

Home Price

$265,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$53,000
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:
$1,344.03

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,344.03 $275.75 $600.00 $2,219.78
Yearly $16,128.36 $3,309.00 $7,200.00 $26,637.36
Total $483,850.80 $99,270.00 $216,000.00 $799,120.80

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

© 2026 Bay County Association of REALTORS