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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 33 , Panama City, FL 32401
$222,500
Est. Payment: $1,229.28/mo
2 Bed
2 Bath
860 Sqft
Status: Active | Days on site: 177
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TPREG2 - B6225
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

Seller offers $5,000 in FLEX $$$! WATERFRONT LIVING IN ST. ANDREWS | BAY CLUB CONDO. Now comes with 1 year lease! Steady income of $1650 for unfurnished unit! Welcome to Bay Club at St. Andrews, where life moves a little slower and the views never get old. This 2-bedroom, 2-bath waterfront condo offers about 860 square feet of easy, low-maintenance living right along beautiful St. Andrews Bay. Step inside to a comfortable, open living and dining space that feels bright and inviting, perfect for unwinding after a long day or hosting friends and family. Whether you're enjoying your morning coffee or relaxing in the evening, you'll love being just steps from the water. Bay Club is known for its peaceful setting, shaded by mature oak trees and surrounded by coastal charm. Residents enjoy a bayfront community with a pool and outdoor areas ideal for soaking up the Florida sunshine, fishing, or simply taking in those incredible sunset views. Located in the heart of St. Andrews, you're only minutes from downtown Panama City, local restaurants, shops, and waterfront parks. It's a great spot whether you're looking for a full-time home or a weekend getaway. If you've been searching for an affordable waterfront condo in Panama City with charm, location, and lifestyle, this is one you don't want to miss. Schedule your showing today!
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Highlights

Listed by Ekaterina I Tomlinson , 850-238-6225 Top Producers Real Estate Group , 850-236-9113. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

529 Monthly

Year Built

1982

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Bay Club Condo Ph 2

Listing ID

787549

Questions about this listing?

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Interior Features

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

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Others:
  • ▪ Additional:Dock
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$1,229
Taxes
$181
HOA
$529

Home Price

$222,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$44,500
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:
$1,229.28

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,229.28 $180.50 $529.00 $1,938.78
Yearly $14,751.37 $2,166.00 $6,348.00 $23,265.37
Total $442,540.96 $64,980.00 $190,440.00 $697,960.96

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

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