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Harrison Lilly Team

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

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9732 Summer Creek Dr , Panama City, FL 32409
$194,500
Est. Payment: $1,074.58/mo
1.3 Acres
Status: Active | Days on site: 1
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Harrison Lilly Team
Owner/Operator

House Description

Embrace the charm of country living on the tranquil shores of Deer Point Lake, where the delights of nature, the joy of fishing, and the simple pleasures of front porch swings and sunny summer days create an inviting retreat for your future home. Here, life moves at a more relaxed pace, offering the perfect setting to build the home you've always envisioned. Surrounded by nature's beauty, the exceptional community of Cedar Creek at Deerpoint Lake blends peaceful living with modern comforts. Enjoy exclusive amenities designed for both relaxation and recreation, including a spacious pavilion ideal for picnics and gatherings, an outdoor fireplace, and a large swimming pool adjacent to a playground for the outdoor enjoyment of the kids. The beautifully appointed clubhouse provides a welcoming space for private events, celebrations, or quiet evenings by the open firepit. Whether you're unwinding under the stars, exploring the natural surroundings, or enjoying the convenience of well-planned community spaces, Cedar Creek at Deer Point Lake offers the perfect balance of nature and comfort--ready to be called home.

Highlights

Listed by Amanda Cialoni , 850-832-7447 Seashore Realty LLC , 850-235-4444. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
1.3

HOA Fee

360 Quarterly

County

Bay

Area

04 - Bay County - North

Neighborhood

Cedar Creek Ph II

Listing ID

795118

Questions about this listing?

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Interior Features

Exterior Features

Lot Dimensions:101x550
Sewer:Septic Needed
Principal Interest
$1,075
Taxes
$120
HOA
$360

Home Price

$194,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$38,900
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:
$1,074.58

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,074.58 $119.93 $360.00 $1,554.52
Yearly $12,895.01 $1,439.21 $4,320.00 $18,654.22
Total $386,850.41 $43,176.30 $129,600.00 $559,626.71

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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS