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Harrison Lilly Team

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

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4408 Bayou Oaks Dr , Panama City, FL 32404
$115,000
Est. Payment: $635.36/mo
0.6 Acres
Status: Active | Days on site: 57
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TRE1 - B5796
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 4408 Bayou Oaks drive, the last remaining waterfront lot left in the exclusive Bayou Oaks gated community. with just over half an acre, this lot provides the perfect canvas to design and build you're dream waterfront home. Whether you're an avid boater, fisherman, or simply appreciate the beauty of nature, Deer Point lake offers endless recreational possibilities right in your backyard. Spend your days, out on the boat fishing for trophy bass, Water-skiing, kayaking or taking in the sun while relaxing on your dock. Conveniently located just 15 minutes from Panama City proper, you can relish in the peace and tranquility that lakeside living offers while still being in reach of all the modern conveniences, dining, shopping and entertainment options. Don't miss this opportunity to own the last waterfront lot in this coveted gated community on Deer Point lake.
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Highlights

Listed by Michael Christie , 850-774-5796 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Vacant Land
Lot/Acreage
0.6

HOA Fee

700 Annually

County

Bay

Area

04 - Bay County - North

 Neighborhood

Bayou Oaks Estates

Listing ID

793854

Questions about this listing?

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Interior Features

Water:Well Needed

Exterior Features

Lot Dimensions:104.0 ft x 251.0 ft
Zoning:Resid Single Family
Sewer:Septic Needed
Principal Interest
$635
Taxes
$120
HOA
$700

Home Price

$115,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$23,000
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:
$635.36

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $635.36 $119.64 $700.00 $1,455.00
Yearly $7,624.30 $1,435.71 $8,400.00 $17,460.01
Total $228,729.04 $43,071.30 $252,000.00 $523,800.34

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