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Harrison Lilly

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

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120 Ryder Ln , Panama City, FL 32404
$385,000
Est. Payment: $1,952.65/mo
5 Bed
3 Bath
2556 Sqft
Status: active | Days on site: 15
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Spacious 5-bedroom, 3 full bath, 2 car garage home located on a cul-de-sac street. This spacious home backs up to a pond with plenty of outdoor space to stretch out. The 1st floor of this home offers a flex space perfect for a study, spacious family room, kitchen, breakfast area, 1 bedroom and a full bath. Upstairs is a large master bedroom with adjoining master bath. Master includes TWO walk in closets. 3 additional bedrooms, large hall bath & BONUS room. ALL bedrooms and family room have ceiling fans with light kits. Covered back porch with a large FENCED in 80-foot-long yard & Sprinkler System. SPRINKLER SYSTEM ON A SEPERATE METER to save on the homes water bill. Home comes with refrigerator, washer & dryer and blinds. Whole home REME Air purification system, SMART Home features keyless entry & ability to manage AC & Garage Door Opener. Located approximately 5 minutes to Tyndall Air Force Base and close to numerous shopping and dining establishments. Community Pool & additional amenities.
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Highlights

Listed by Sharon M DeLaney , 850-867-6915 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.18

HOA Fee

284.5 Quarterly

Year Built

2023

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Bridge Harbor

Listing ID

792802

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Range, Air Purifier
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Interior Steps, Smart Home, Smart Thermostat, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Cul-De-Sac,Sprinkler System
Lot Dimensions:50x150
Roof:Shingle
Sewer:Public Sewer
Principal Interest
$1,953
Taxes
$245
HOA
$285

Home Price

$385,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$77,000
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:
$1,952.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,952.65 $245.44 $284.50 $2,482.58
Yearly $23,431.77 $2,945.25 $3,414.00 $29,791.02
Total $702,953.05 $88,357.50 $102,420.00 $893,730.55

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