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Harrison Lilly Team

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

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4305 Bay Point Rd Unit 459 , Panama City, FL 32408
$258,900
Est. Payment: $1,430.39/mo
2 Bed
3 Bath
1420 Sqft
Status: Active | Days on site: 56
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TPREG2 - B6225
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Harrison Lilly Team
Owner/Operator

House Description

ADDED PERKS AT CLOSING! $1,000 Buyer's Agent Bonus + 2027 Family Annual Pass to St. Andrews State Park + TWO Platinum Annual Passes to Shipwreck Island Waterpark for the buyers! Looking for the perfect blend of golf, boating, and coastal living? This beautifully updated 2-bedroom, 2.5-bath Golf Villa checks all the boxes. Nestled in a gated, golf cart-friendly community with on-site security, you're just steps from the Jack Nicklaus Championship Golf Course, the 180-slip marina, tennis courts, spa, and on-site dining--plus only a short drive to Panama City Beach favorites like Schooners and Tootsie's. Inside, you'll find full of natural light, bright and open layout with peaceful pond and golf course views, a beautifully updated kitchen with new cabinetry, countertops, stainless steel appliances, and LED lighting, plus a cozy shiplap accent wall that adds the perfect coastal touch. Fresh paint, plantation shutters, remodeled downstairs bath, updated lighting and fixtures throughout, a full-size washer and dryer, and numerous additional upgrades make this home truly move-in ready. Upstairs, both spacious bedrooms feature private bathrooms and balconies, while the primary suite offers a walk-in closet and relaxing water views. The Florida room provides the perfect spot to enjoy your morning coffee or unwind after a day on the course or the water. Sold fully furnished (excluding select personal items) and comfortably sleeping up to 8 guests, this villa is equally suited as a primary residence, second home, or vacation retreat. The HOA fee provides exceptional value by covering building insurance (including fire, wind, and flood), along with reserves for exterior windows and doors, exterior painting, roof replacement, and ongoing exterior maintenance and repairs--allowing you to enjoy low-maintenance coastal living. (please check agent remarks)

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

789.27 Monthly

Year Built

1980

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Golf Villas II

Listing ID

793463

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Balcony, Interior Steps, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:0x0
Sewer:Public Sewer
Parking Features:Parking Lot,Gated
Principal Interest
$1,430
Taxes
$180
HOA
$789

Home Price

$258,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$51,780
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:
$1,430.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,430.39 $179.66 $789.27 $2,399.32
Yearly $17,164.62 $2,155.95 $9,471.24 $28,791.81
Total $514,938.68 $64,678.50 $284,137.20 $863,754.38

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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