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Harrison Lilly Team

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

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109 Dragon Cir , Panama City, FL 32408
$1,195,000
Est. Payment: $6,602.20/mo
5 Bed
5 Bath
4536 Sqft
0.48 Acres
Status: Active | Days on site: 15
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PLFC - B11212
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Harrison Lilly Team
Owner/Operator

House Description

Experience elevated golf course living at 109 Dragon Circle, ideally positioned along the 8th green and 9th tee box of the prestigious Nicklaus Golf Course in Dragon's Ridge, the newer gated section of Bay Point in Panama City Beach. This beautifully updated residence blends refined finishes, generous living spaces, and resort-style outdoor living in one exceptional setting. Inside, an impressive, oversized kitchen island anchors the open entertaining space, complemented by updated bathrooms, flooring, and fresh interior and exterior paint. Spacious rooms and thoughtfully designed gathering areas create an effortless flow for both everyday living and entertaining. Outdoors, a private pool and hot tub overlooking the golf course create a true backyard retreat. The recently resurfaced pool, expansive outdoor space, three-car garage, oversized driveway, and park directly across the street further enhance the home's appeal. Bay Point offers a lifestyle unlike any other, with the Nicklaus Golf Course, Point South Marina, Gulf access, community boat launch, dining, playgrounds, and more just moments away. Whether enjoying an afternoon on the course, boating the Gulf, or relaxing poolside, 109 Dragon Circle delivers luxury coastal living in one of Panama City Beach's most desirable gated communities.

Highlights

Listed by Stacia Lamulle , 850-376-3865 1 Percent Lists Florida Coast , 850-376-3865. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.48

HOA Fee

3050 Annually

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Unit 1

Listing ID

795021

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Bar Fridge, Electric Cooktop, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment,Multi Units
Fireplaces:Electric
Other:
  • ▪ Additional:Double Vanity, Interior Steps, Main Level Primary, Sitting Area in Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:55x190x180x138
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Boat Ramp, Covered Patio, Deck
Sewer:Public Sewer
Parking Features:Paved,Gated
Principal Interest
$6,602
Taxes
$826
HOA
$3,050

Home Price

$1,195,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$239,000
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:
$6,602.20

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $6,602.20 $825.86 $3,050.00 $10,478.06
Yearly $79,226.43 $9,910.28 $36,600.00 $125,736.71
Total $2,376,793.03 $297,308.40 $1,098,000.00 $3,772,101.43

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: 2026-10-07T05:07:46.000Z

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