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Harrison Lilly Team

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

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1420 Trout Dr , Panama City, FL 32408
$539,000
Est. Payment: $2,977.90/mo
0.2 Acres
Status: Active | Days on site: 162
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BKWS - B2218,B0671
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Harrison Lilly Team
Owner/Operator

House Description

Water, power and boat lift already in place for you! Bring your boat now and build your dream waterfront home later! This is one of the few remaining deep-water canal homesites available in the gated community of Bay Point. Ready for construction, the property is already equipped with water, power, and a boat lift, saving valuable time and significant development costs. An added bonus is its ideal positioning, offering long, picturesque views down the canal rather than directly across, creating a more open and impressive waterfront setting. House plans are available, making it even easier to bring your vision to life. Enjoy direct deep-water access from your dock to the Gulf, whether you're heading out for a day of fishing, cruising to Shell Island, or simply enjoying life on the water. Bay Point is one of Panama City Beach's premier gated communities, featuring 24-hour security, a Jack Nicklaus championship golf course, a full-service marina, on-site dining, and beautifully maintained grounds. Conveniently located just minutes from St. Andrews State Park, Shell Island, shopping, restaurants, and the sugar-white beaches of the Gulf Coast. Rare opportunities like this don't come along often. Build exactly what you've been dreaming of in one of the area's most desirable waterfront communities. Seller is a Florida licensed real estate agent.

Highlights

Listed by Michele Morros , 850-258-9878 and Ann Wohlford , 850-624-6909 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
0.2

HOA Fee

1900 Annually

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bay Point Unit 1

Listing ID

788931

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Interior Features

Exterior Features

Lot:Paved
Lot Dimensions:72 x 124
Zoning:Resid Single Family
Principal Interest
$2,978
Taxes
$271
HOA
$1,900

Home Price

$539,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$107,800
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:
$2,977.90

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,977.90 $271.42 $1,900.00 $5,149.31
Yearly $35,734.77 $3,257.00 $22,800.00 $61,791.77
Total $1,072,043.05 $97,710.00 $684,000.00 $1,853,753.05

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