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Harrison Lilly Team

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

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4904 Christy Ln , Panama City, FL 32404
$535,000
Est. Payment: $2,955.80/mo
5 Bed
3 Bath
3018 Sqft
0.32 Acres
Status: Active | Days on site: 59
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HREG - b10990
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

This beautiful, well maintained 3018 square foot home in Cedar Branch has 5 bedrooms and 3 bathrooms. Beautiful stone arches greet you in the main hall. The home has high ceilings, creating a much more open feeling to the home. This home has only had 2 owners and has been immaculately maintained by both. This house even has a bonus room which can be used as an office, private study, or even converted into a 6th bedroom. The home is also situated on a cul-de-sac, making it a perfect location for families of all sizes. Schedule a showing today!
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Highlights

Listed by Matthew J Gainer , 850-866-8787 Horsley Real Estate Group , 850-832-3503. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.32

HOA Fee

360 Annually

Year Built

2014

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Cedar Branch

Listing ID

790552

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Cul-De-Sac,Sprinkler System
Lot Dimensions:50X131X102X127
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Principal Interest
$2,956
Taxes
$341
HOA
$360

Home Price

$535,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$107,000
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:
$2,955.80

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,955.80 $341.06 $360.00 $3,656.86
Yearly $35,469.58 $4,092.75 $4,320.00 $43,882.33
Total $1,064,087.26 $122,782.50 $129,600.00 $1,316,469.76

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS