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Harrison Lilly

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

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0 Seamans Lane , Panama City, FL 32404
$90,000
Est. Payment: $456.42/mo
0 Bed
0 Bath
0 Sqft
Status: pending | Days on site: 118
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Discover the perfect canvas for your dream property with this 4.47-acre vacant parcel featuring a large private pond and endless potential. This expansive homesite offers the rare combination of space, natural beauty, and freedom -- with no HOA restrictions to limit your vision. Whether you're planning a custom estate home, barndominium, private retreat, or multi-generational property, this land provides the flexibility today's buyers are searching for. The property's standout feature is the large pond, creating a peaceful focal point for your future home design. Imagine a back porch overlooking the water, morning coffee with serene views, or evenings enjoying the quiet setting and local wildlife. With 4.47 acres, there is ample room for: • A custom home with privacy • Detached workshop or RV storage • Gardens or hobby farming • Pool, guest house, or outdoor entertaining spaces Enjoy the freedom to build at your pace and choose your own builder -- all without HOA fees or restrictive covenants. Opportunities like this are increasingly hard to find -- acreage, water features, and no HOA provide the ideal foundation for creating something truly your own.

Highlights

Listed by Julie Hart , 850-849-9080 On The Coast Real Estate Group , 850-830-0787. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
4.47

County

Bay

Area

05 - Bay County - East

Neighborhood

Callaway

Listing ID

785617

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:0
  • Full Bathrooms:

Exterior Features

Lot Dimensions:858x341
Principal Interest
$456
Taxes
$40

Home Price

$90,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$18,000
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:
$456.42

Principal

Taxes

Principal Taxes HOA Total
Monthly $456.42 $39.75 $0.00 $496.17
Yearly $5,476.99 $477.00 $0.00 $5,953.99
Total $164,309.62 $14,310.00 $0.00 $178,619.62

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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