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Harrison Lilly Team

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

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4910 Christy Ln , Panama City, FL 32404
$460,000
Est. Payment: $2,541.43/mo
3 Bed
3 Bath
2446 Sqft
0.17 Acres
Status: Active | Days on site: 117
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BKWS - B12938
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Harrison Lilly Team
Owner/Operator

House Description

5.625% ASSUMABLE MORTGAGE AVAILABLE, subject to lender/servicer approval and buyer qualification--an opportunity for an eligible buyer to potentially save significantly on interest compared with obtaining a new loan at prevailing market rates. Welcome to 4910 Christy Lane, where quality craftsmanship, comfort, and exceptional outdoor living come together. This beautifully maintained two-story brick home features soaring 10-foot ceilings, extensive crown molding, granite countertops, rich cherry cabinetry, and a stunning double-sided natural gas fireplace that creates a warm and inviting atmosphere throughout the main living areas. The spacious primary suite offers a private retreat with its own balcony, dual vanities, a sunken soaking tub, and a walk-in tiled shower. Upstairs laundry adds everyday convenience. Step outside to your own private backyard oasis, designed for both entertaining and relaxation. Enjoy the sparkling pool, fully equipped outdoor kitchen, paver patio, and mature landscaping providing remarkable privacy year-round. Additional highlights include a paver driveway, quality impact-resistant windows, sprinkler system, security system, and meticulous maintenance throughout. Conveniently located just minutes from Tyndall Air Force Base, shopping, dining, schools, and medical facilities. From relaxing poolside to entertaining family and friends, this exceptional home offers an impressive combination of indoor comfort, outdoor living, and a potentially valuable financing opportunity. Schedule your private showing today and ask for details about the assumable 5.625% mortgage.

Highlights

Listed by Sahil Singh , 850-348-3893 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

360 Annually

Year Built

2007

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cedar Branch

Listing ID

791520

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 Cooktop, Electric Oven, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:Gas
Other:
  • ▪ Additional:Balcony, Double Vanity, Soaking Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s), Entrance Foyer

Exterior Features

Lot:Cul-De-Sac,Sprinkler System,Paved
Lot Dimensions:69'x83'x46'x35'x121
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Barbecue, Patio, Outdoor Kitchen
Sewer:Public Sewer
Principal Interest
$2,541
Taxes
$293
HOA
$360

Home Price

$460,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$92,000
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:
$2,541.43

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,541.43 $293.25 $360.00 $3,194.68
Yearly $30,497.20 $3,519.00 $4,320.00 $38,336.20
Total $914,916.15 $105,570.00 $129,600.00 $1,150,086.15

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