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Harrison Lilly Team

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

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4516 Bylsma Cir , Panama City, FL 32404
$365,000
Est. Payment: $2,016.57/mo
3 Bed
2 Bath
1410 Sqft
0.18 Acres
Status: Active | Days on site: 21
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CNRT - B10997
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Harrison Lilly Team
Owner/Operator

House Description

**Like-New All-Brick Home with Backyard Oasis & No HOA!** USDA eligible location! Welcome home to this beautifully maintained 3-bedroom, 2-bath all-brick residence offering quality finishes, thoughtful upgrades, and an inviting open-concept layout. Located in a well-maintained neighborhood with **no HOA fees or restrictions**, this home provides the perfect combination of comfort, functionality, and freedom. The spacious open floor plan features a large family room with an electric fireplace, creating a warm and welcoming gathering space. Luxury vinyl plank flooring flows throughout the home, offering a beautiful, durable finish. The kitchen is designed for both everyday living and entertaining with real wood cabinetry and stainless steel appliances. The private primary suite is a true retreat, featuring tray ceilings with rope lighting, a generous walk-in closet, and a beautifully appointed bathroom with a **walk-in rain shower, built-in seat, and double vanity**. The additional bedrooms are generously sized and offer ample storage with large closets featuring triple-door configurations. Step outside to your own backyard oasis, complete with a covered patio that extends the living space outdoors. A convenient hot-and-cold outdoor shower adds an exceptional touch for rinsing off after outdoor activities or enjoying the backyard year-round. Additional features include an oversized 2-car garage, emergency generator hookup, irrigation/sprinkler system, fiber optic internet, adorable garden, and security system. From the curb appeal of the all-brick exterior to the thoughtful interior finishes and beautifully maintained outdoor spaces, this home is truly move-in ready. **No HOA fees. No HOA restrictions. All the benefits of a well-kept neighborhood without the added limitations.** This exceptional home is ready for its next owner--schedule your private showing today!

Highlights

Listed by Jarah J Chesnut , 850-276-2326 Chesnut Realty, Inc , 850-276-2326. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.18

Year Built

2023

County

Bay

Area

02 - Bay County - Central

Neighborhood

Bylsma Manor Estates

Listing ID

794424

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:Electric,Gas
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:62x125
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Principal Interest
$2,017
Taxes
$240

Home Price

$365,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$73,000
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:
$2,016.57

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,016.57 $240.05 $0.00 $2,256.62
Yearly $24,198.87 $2,880.60 $0.00 $27,079.47
Total $725,966.07 $86,418.00 $0.00 $812,384.07

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

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