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Harrison Lilly Team

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

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1000 Spirit Sail Ct , Panama City, FL 32404
$149,900
Est. Payment: $828.18/mo
0.34 Acres
Status: Active | Days on site: 158
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Laird Point, where waterfront living meets everyday ease. Tucked along a peaceful natural peninsula off the Intracoastal Waterway, this cleared homesite offers the rare opportunity to build your dream home with year-round deep water access right from your backyard. From your future dock, you can cruise straight from the bayou out to the Gulf, making this an ideal spot for boaters, anglers, and anyone who loves life on the water. The lot is ready to build and showcases beautiful water views, creating the perfect backdrop for morning coffee, sunset dinners, and everything in between. It's easy to picture stepping outside and heading straight to the water; whether for a day of fishing, kayaking, or simply enjoying the calm and quiet. Laird Point is known for its sense of privacy while still offering a strong community feel. Residents enjoy a variety of amenities, including tennis and pickleball courts, a basketball court, boat and RV storage, and scenic walking trails that wind through the neighborhood. It's a place where active living and coastal relaxation go hand in hand. If you've been searching for a waterfront lot that offers both natural beauty and lifestyle convenience, this is a special opportunity to create something truly yours.

Highlights

Listed by Jacob Hutchins , 850-319-5388 CENTURY 21 Commander Realty , 850-769-8326. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
0.34

HOA Fee

County

Bay

Area

05 - Bay County - East

Neighborhood

Callaway Heights

Listing ID

782886

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Interior Features

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:IRR
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$828
Taxes
$124
HOA
$0

Home Price

$149,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$29,980
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:
$828.18

Principal

Taxes

Principal Taxes HOA Total
Monthly $828.18 $123.83 $0.00 $952.01
Yearly $9,938.11 $1,486.00 $0.00 $11,424.11
Total $298,143.33 $44,580.00 $0.00 $342,723.33

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