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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 36 , Panama City, FL 32401
$234,400
Est. Payment: $1,295.03/mo
2 Bed
2 Bath
860 Sqft
Status: Active | Days on site: 349
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BSTG - B1513
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 Condos, a hidden gem located on the scenic shores of historic St. Andrews Bay. This very well-maintained 2-bedroom, 2-bath corner unit offers a rare combination of comfort, convenience, and coastal charm. Inside, you'll find new luxury vinyl plank flooring throughout, a new AC unit, and recent upgrades including a new disposal, hot water heater, washer, and dryer ensuring truly trouble-free ownership. The inviting open floor plan is perfect for relaxing or entertaining while enjoying the natural light that floods this bright and airy corner unit. Located in the highly sought-after Bunkers Cove area, Bay Club Condos offers the best of the relaxed coastal lifestyle all just minutes from shopping, local coffee shops, dining, entertainment, and recreation. Enjoy peaceful bayfront walks, take in beautiful water views, or unwind by the community pool, beach area, or private dock. If you've been dreaming of low-maintenance waterfront living in a quiet, picturesque community, look no further this is the one.
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Highlights

Listed by Rusty H Russell , 850-630-2946 Anchor Realty Florida , 850-899-7999. 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

780840

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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,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:0 x 0
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Dock
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$1,295
Taxes
$43
HOA
$529

Home Price

$234,400

Loan Details

30 yrs
7.374%

Down Payment

20%
$46,880
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:
$1,295.03

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,295.03 $43.00 $529.00 $1,867.03
Yearly $15,540.31 $516.00 $6,348.00 $22,404.31
Total $466,209.45 $15,480.00 $190,440.00 $672,129.45

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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