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Harrison Lilly Team

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

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316 Cherry St Unit 41 , Panama City, FL 32401
$235,000
Est. Payment: $1,298.34/mo
2 Bed
2 Bath
860 Sqft
Status: Active | Days on site: 58
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BBB2 - B2228
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Welcome to Bay Club at St. Andrews, a low-density waterfront condominium community known for its peaceful atmosphere, coastal charm, and low turnover directly on St. Andrews Bay. The bright, inviting interior open living space extends to a private balcony overlooking the bay, beautifully nestled among the palm trees. It is the perfect place to enjoy morning coffee, coastal breezes, and unforgettable sunsets. Residents enjoy a bayfront pool, elevator, dock, swing, picnic area, garden space, and inviting outdoor areas for fishing or relaxing by the water. Located between The Cove and downtown, Bay Club is just minutes from historic downtown Panama City, St. Andrews, waterfront parks, local dining, and shopping. Whether you are seeking a full-time residence or peaceful coastal retreat, this waterfront condo offers an exceptional blend of charm, convenience, and lifestyle.
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Highlights

Listed by Heather Fox , 850-541-5774 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

567 Monthly

Year Built

1982

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Bay Club Condo Ph 1

Listing ID

792976

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Range
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:condo
Roof:Tile
Others:
  • ▪ Additional:Dock
Sewer:Public Sewer
Principal Interest
$1,298
Taxes
$150
HOA
$567

Home Price

$235,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$47,000
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:
$1,298.34

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,298.34 $149.81 $567.00 $2,015.15
Yearly $15,580.09 $1,797.75 $6,804.00 $24,181.84
Total $467,402.81 $53,932.50 $204,120.00 $725,455.31

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