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Harrison Lilly Team

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

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14822 Bream Pond Rd , Panama City, FL 32409
$699,900
Est. Payment: $3,866.85/mo
3 Bed
4 Bath
2690 Sqft
1.14 Acres
Status: Active | Days on site: 50
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GGR - B12682
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Harrison Lilly Team
Owner/Operator

House Description

PRICE IMPROVEMENT! New price of $699,900! NEW CONSTRUCTION CUSTOM-BUILT PROPERTY! Pool-ready backyard with electrical pre-wiring already in place, providing an excellent opportunity for you to custom design your future pool! Step into this stunning 2026 custom-built home, perfectly situated on a serene 1.14-acre lot in the sought-after Bream Pond community of Panama City, featuring underground utilities. Designed for modern living with timeless elegance, this 3-bedroom, 3.5-bath residence offers an open, flowing layout with exceptional attention to detail. The home welcomes you with striking iron French double doors, leading into a light-filled living space with beautiful views of the lanai and outdoor living area for your future pool and outdoor grill! At the heart of the home is a gourmet kitchen featuring high-end KitchenAid appliances, including a French door refrigerator, microwave/oven combination, gas cooktop, and an industrial-grade range hood. The spacious design makes it perfect for cooking, gathering and entertaining. Sunlight fills the expansive main living areas, creating a warm and inviting atmosphere throughout. Each bedroom is generously sized, including a luxurious primary suite with spa-like features. The primary bath offers dual custom closets, dual vanities with a center seating space, and a convenient connecting door to the custom laundry room. Enjoy the privacy and tranquility of over an acre of land--ideal for outdoor living, entertaining, or simply relaxing. The outdoor space includes two gas stub-outs for a future grill or fireplace, as well as a large storage room designed to accommodate future pool equipment. Existing pool equipment is already in place for a future pool installation. Additional features include 8-foot arched doorways, bullnose-edge quartz countertops throughout, neutral LVP flooring, and thoughtfully selected finishes that create a cohesive and stylish design. Key Features: 3 bedrooms | 3.5 bathrooms 2,690 sq ft living | 4,144 total under roof Built in 2026 with high-quality, modern finishes 1.14-acre homesite, open-concept layout with gourmet kitchen,Luxurious primary suite with spa-inspired bath, located in Bream Pond, Bay County North! Conveniently located just 18 miles to the international airport, 25 minutes to medical facilities near Hwy 79, and approximately 35 minutes to Pier Park for shopping, dining, and beach access. Scenic 30A destinations including Rosemary Beach, Seaside, and Alys Beach are just a 45-minute drive away. This property is situated near future development expected to bring additional residential growth, amenities, and conveniences to the surrounding area. Buyer to independently verify all development plans, timelines, and details with the appropriate governmental authorities. Experience the perfect blend of privacy, comfort, and modern luxury! This new construction home is ready to welcome you. *DISCLOSURE- ONE AI IMAGE UPLOADED TO SHOW FUTURE POOL/OUTDOOR/LANDSCAPING OPTIONS. *No active HOA or board. Property may be subject to recorded covenants, conditions, and restrictions. Seller and listing agent make no representations regarding permitted use. Buyer to perform all due diligence regarding restrictions, zoning, utilities, and intended use.

Highlights

Listed by Kyla D Mitchell , 812-327-5133 Gillman Group Realty , 850-776-8223. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.14

Year Built

2026

County

Bay

Area

04 - Bay County - North

Neighborhood

Bream Pond

Listing ID

794333

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Electric Oven, Propane Cooktop, Plumbed For Ice Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Sitting Area in Primary, Walk-In Closet(s)

Exterior Features

Lot Dimensions:165.20x301.25
Zoning:Resid Single Family
Roof:Metal
Parking Features:Garage,Garage Door Opener
Principal Interest
$3,867
Taxes
$35

Home Price

$699,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$139,980
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Monthly Price:
$3,866.85

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,866.85 $35.31 $0.00 $3,902.16
Yearly $46,402.16 $423.77 $0.00 $46,825.93
Total $1,392,064.81 $12,713.10 $0.00 $1,404,777.91

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS