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Harrison Lilly

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

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1036 W 11th Ct , Panama City, FL 32401
$229,900
Est. Payment: $1,166.01/mo
3 Bed
3 Bath
1416 Sqft
Status: active | Days on site: 135
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

COZY END-UNIT TOWNHOME IN ST. ANDREWS. This 3-bedroom, 2.5-bath townhome offers over 1,400 sq. ft. of living space and features a semi-open floorplan with attractive LVP flooring, perfect for both everyday living and entertaining. The kitchen comes complete with stainless steel appliances, a breakfast bar, a pantry, and a convenient built-in desk area. Ample natural light fills the home, highlighting the fresh interior paint and updated windows and doors. All three bedrooms provide a comfortable retreat with soft carpet underfoot, and both the master bath and the hall bath have been tastefully refreshed. The 1/2 bath downstairs is great for guests! The exterior features a charming front courtyard that welcomes you home and leads to an XL fenced backyard, a rare find for most townhomes. The back also includes an open patio that is nice for grilling or quiet evenings. Don't forget to walk the property line down to the pond. Additional features include a one-car garage with pull down attic stairs and an enclosed storage area that keeps garbage cans and lawn equipment neatly tucked away and out of sight. Centrally located near shopping, dining, and schools, this home offers the perfect blend of comfort, functionality, and convenience. Call today for a private preview. Measurements approximate.

Highlights

Listed by Kelli White Garrett , 850-819-6423 CENTURY 21 Commander Realty , 850-769-8326. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.14

Year Built

1987

County

Bay

Area

02 - Bay County - Central

Neighborhood

Caroline Addition

Listing ID

787760

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Interior Steps, Tub Shower, Upper Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:Irregular
Roof:Composition,Shingle
Others:
  • Additional:Patio
Sewer:Public Sewer
Principal Interest
$1,166
Taxes
$288

Home Price

$229,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$45,980
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:
$1,166.01

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,166.01 $288.33 $0.00 $1,454.34
Yearly $13,992.11 $3,460.00 $0.00 $17,452.11
Total $419,763.39 $103,800.00 $0.00 $523,563.39

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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