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Harrison Lilly

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

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1204 W 12th St , Panama City, FL 32401
$285,000
Est. Payment: $1,445.47/mo
3 Bed
2 Bath
1480 Sqft
Status: active with contingency | Days on site: 65
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' NOTE: The two bonus rooms and laundry room are not included in square footage. Spacious ranch style home, with tons of natural lighting, located in quiet St. Andrews neighborhood walking distance to St. Andrews bay. This home is centrally located between St Andrews area and downtown Panama City and only a 5 min drive to both! Wonderfully updated with 2019 metal roof, newer kitchen cabinets, granite countertops, stainless steel applicances, paint and flooring throughout, and updated bathrooms as well. Another nice addition was the mini AC splitter system that helps keep the home cooled/heated more efficiently while providing lower power costs. Large Master bedroom with bonus room that could be used as an office or walk-in closet. A Tankless hot water heater was also installed to help with the efficientcy of the home. Another bonus room adjacent to the dining room could be used a nice sitting area or office. Large screened in porch that leads to very spacious backyard with massive storage/work shed and shaded Pergula. The circular drive way and additional parking is great for families or large gatherings. Home was well cared for and it shows!

Highlights

Listed by Matthew O Manning , 850-358-0372 QUORA REALTY , 850-238-1138. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.27

Year Built

1959

County

Bay

Area

02 - Bay County - Central

Neighborhood

Caroline Addition

Listing ID

790305

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Gas Water Heater, Ice Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot Dimensions:85 x140
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Porch
Sewer:Public Sewer
Parking Features:Additional Parking,Circular Driveway,Paved
Principal Interest
$1,445
Taxes
$243

Home Price

$285,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$57,000
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:
$1,445.47

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,445.47 $243.17 $0.00 $1,688.63
Yearly $17,345.59 $2,918.00 $0.00 $20,263.59
Total $520,367.84 $87,540.00 $0.00 $607,907.84

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

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