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Harrison Lilly Team

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

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182 Osprey Lake Rd , Panama City, FL 32404
$375,000
Est. Payment: $2,071.82/mo
4 Bed
3 Bath
2302 Sqft
0.13 Acres
Status: Active | Days on site: 131
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BCC2 - B4385
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 this beautifully maintained 4-bedroom, 2-bath home located in the highly desirable Bridge Harbor community! Perfectly situated adjacent to a peaceful pond, this property offers the ideal blend of comfort, convenience, and outdoor living. Step outside to enjoy the newly fenced backyard featuring a built-in fire pit, perfect for relaxing evenings and entertaining guests. The new irrigation system helps keep the landscaping lush and beautiful year-round, while the children's playground conveys with the sale -- making this backyard truly move-in ready for family fun. Inside, you'll find a spacious and functional layout with plenty of room for family living, guests, or a home office setup. Located just minutes from Tyndall Air Force Base, this home also offers convenient access to shopping, dining, schools, and everyday amenities. Residents of Bridge Harbor enjoy access to a wonderful community pool and neighborhood amenities that make this area so popular. Don't miss the opportunity to own this charming home with water views, fantastic outdoor features, and an unbeatable location!
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Highlights

Listed by Amanda J Walker , 850-832-4385 CENTURY 21 Commander Realty , 850-769-8326. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.13

HOA Fee

284 Quarterly

Year Built

2019

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Bridge Harbor

Listing ID

790678

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Cooktop, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Separate Shower, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:50x110
Others:
  • ▪ Additional:Fire Pit, Porch
Sewer:Public Sewer
Principal Interest
$2,072
Taxes
$295
HOA
$284

Home Price

$375,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$75,000
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:
$2,071.82

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,071.82 $295.00 $284.00 $2,650.82
Yearly $24,861.85 $3,540.00 $3,408.00 $31,809.85
Total $745,855.55 $106,200.00 $102,240.00 $954,295.55

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