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Harrison Lilly

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

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5408 Pinetree Ave , Panama City, FL 32408
$225,250
Est. Payment: $1,142.43/mo
1 Bed
2 Bath
870 Sqft
Status: active | Days on site: 31
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Half a mile from the sand and priced to catch your eye -- this one-bedroom, one-and-a-half-bath attached home in the Thomas Drive area is the kind of easygoing coastal find that doesn't come along every day. With 870 square feet of single-story living, it's compact, breezy, and ready for someone with a paintbrush and a plan. The renovation work here is mostly cosmetic, so don't let the word scare you off. Think fresh paint, updated finishes, and a few personal touches rather than a gut job. The bones are good, which means you can spend your energy making it pretty instead of making it stand. A half bath downstairs is a handy bonus for guests who'd rather not wander far. Location is the real headliner. Public Beach Access #11 sits an easy distance away, so morning trips with sandy toes become a regular thing. You're also close to the Navy base, Florida State University's local campus, and Gulf Coast State College, making this a smart pick for a variety of buyers. Speaking of renters, there's no homeowners association here, and short-term rental potential adds a nice layer of income possibility. Northwest Florida Beaches International Airport keeps travel simple, and everything the coast offers is right at your fingertips. Whether you're chasing a beachy getaway, a first place, or a savvy investment, this little charmer checks the boxes. Come see it before someone else scoops it up. *Information provided is deemed reliable but is not guaranteed and should be independently verified by the buyer*

Highlights

Listed by MaryAnn Enfinger , 850-832-5263 Overstreet Realty , 850-774-0402. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.06

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Biltmore Beach

Listing ID

792905

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:25.0 ft x 120.0 ft
Zoning:County, Resid Single Family
Roof:Shingle
Parking Features:Paved
Principal Interest
$1,142
Taxes
$215

Home Price

$225,250

Loan Details

30 yrs
6.529%

Down Payment

20%
$45,050
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:
$1,142.43

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,142.43 $215.38 $0.00 $1,357.80
Yearly $13,709.11 $2,584.53 $0.00 $16,293.64
Total $411,273.18 $77,535.90 $0.00 $488,809.08

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS