Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

3517 High Cliff Rd , Panama City, FL 32409
$89,000
Est. Payment: $491.71/mo
1.02 Acres
Status: Active | Days on site: 227
Get Pre-Qualified
CPSFL2 - B11084
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.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Premium Waterfront Residential Lot in Cedar Creek Chase -- Build Your Dream Home! Welcome to 3517 High Cliff Road, a rare and remarkable 1+ acre waterfront parcel nestled in the desirable Cedar Creek Chase neighborhood. With approximately 147 feet of creek frontage, this property offers peaceful water views, a natural buffer, and the added benefit of no future neighbors behind you, ensuring long-term privacy and serenity. The creek not only enhances the scenic setting, but also serves as a permanent natural boundary -- preserving unobstructed views and protecting the tranquil backdrop of your future home. Surrounded by mature trees and natural landscape, this lot provides an ideal balance of privacy, beauty, and build-ready potential. Enjoy the freedom to design a custom home with ample room for outdoor living spaces, gardens, or a private pool, all while being conveniently located near Panama City, Lynn Haven, schools, shopping, and dining. Paved road access, underground utilities, and the spacious lot size make this property a standout among available home sites in the area. Property Highlights: • 1+ acre residential lot in established Cedar Creek Chase • ~147 feet of creek frontage with scenic water views • No neighbors behind the property thanks to the creek -- permanent natural privacy • Wooded setting with gentle topography • Underground utilities available • Convenient access to major roadways while maintaining a quiet, country feel • No HOA -- greater flexibility to build your vision Opportunities like this are increasingly rare -- a waterfront homesite with privacy, space, and location. Bring your builder and imagine the possibilities this exceptional property has to offer. All measurements and information are believed to be correct but should be verified by buyer if important. Reach out today to learn more about this remarkable opportunity!

Highlights

Listed by Clay Owens , 850-890-9195 Compass Florida, LLC , 850-296-9769. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
1.02

County

Bay

Area

04 - Bay County - North

Neighborhood

Cedar Creek Chase

Listing ID

784450

Questions about this listing?

Contact Agent

Interior Features

Exterior Features

Lot:Paved
Lot Dimensions:105 x 147 x 237 x 57 x 351
Zoning:Resid Single Family
Principal Interest
$492
Taxes
$75

Home Price

$89,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$17,800
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:
$491.71

Principal

Taxes

Principal Taxes HOA Total
Monthly $491.71 $74.92 $0.00 $566.63
Yearly $5,900.55 $899.00 $0.00 $6,799.55
Total $177,016.38 $26,970.00 $0.00 $203,986.38

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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