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Harrison Lilly Team

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

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132 Ryder Ln , Panama City, FL 32404
$295,000
Est. Payment: $1,629.83/mo
4 Bed
2 Bath
1867 Sqft
0.23 Acres
Status: Active | Days on site: 14
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BKWS - B11216
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Bridge Harbor! Conveniently located just 5 miles from Tyndall AFB and only minutes from shopping, restaurants, and everything Central Panama City and Callaway have to offer! This 4 bedroom, 2 bath home is the popular Cali floor plan sits on a desirable corner lot within walking distance of the community pool. This 4 year old home is in PRISTINE condition. Step inside and you'll immediately notice how beautifully maintained this home is. You'll also find the garage decked out with painted walls and an immaculately finished EPOXY coated floor (a $5000 upgrade); perfect for a workshop or home gym! The washer, dryer, and upgraded refrigerator DO convey with the sale, while the remaining furnishings and mounted TVs are available for optional purchase. As you enter into the foyer, you'll find two guest bedrooms and a full guest bath, with an additional guest bedroom tucked away near the laundry room for a little extra separation. The open living area flows into a spacious kitchen featuring ample cabinetry, stainless steel appliances, a large pantry, and plenty of room for gathering. The primary suite offers its own private retreat with an ensuite bathroom featuring a double vanity, oversized walk-in shower, soaking tub, and HUGE walk-in closet. Between the pristine condition, corner lot (NO Flood Zone,) community pool, and prime location.. this one is worth seeing in person. Come check it out!

Highlights

Listed by Alyssa R Sato , 850-896-5977 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.23

HOA Fee

284.85 Quarterly

Year Built

2022

County

Bay

Area

02 - Bay County - Central

Neighborhood

Bridge Harbor

Listing ID

795731

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Smart Home, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:58.0 ft x 150.0 ft
Roof:Composition,Shingle
Principal Interest
$1,630
Taxes
$321
HOA
$285

Home Price

$295,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$59,000
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:
$1,629.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,629.83 $320.97 $284.85 $2,235.66
Yearly $19,557.99 $3,851.70 $3,418.20 $26,827.89
Total $586,739.70 $115,551.00 $102,546.00 $804,836.70

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