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Harrison Lilly Team

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

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3540 Cedar Park Ln , Panama City, FL 32404
$435,000
Est. Payment: $2,403.31/mo
4 Bed
2 Bath
2127 Sqft
0.21 Acres
Status: Active | Days on site: 20
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BCRR - B11104
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 3540 Cedar Park Lane in Panama City--where space, comfort, and outdoor living come together in one incredible property on cul-de-sac. This beautifully maintained 4-bedroom, 2-bathroom home offers a functional open layout perfect for both everyday living and entertaining. Inside, you'll find a spacious living area that flows seamlessly into the kitchen and dining space, creating the perfect gathering spot. The kitchen is equipped with quartz countertops and a Brand NEW refrigerator along with a stove and microwave that are just about a year old. The center kitchen island is the heart of the home. With four generously sized bedrooms, there's plenty of room for family, guests, or even a home office setup. The finishes chosen for this home are beautiful and must be seen in person. Two car garage for plenty of storage and oversized mudroom everyone will love. The primary suite is a true retreat, featuring a relaxing soaker tub--perfect for unwinding after a long day. Walk in closest to top it off. Step outside to your own private backyard oasis! The stunning 16x32 in-ground pool features an 8-foot deep end and will be just 3 years old in October. Designed for efficiency and easy maintenance, it includes a variable-speed pump, sand filter, and LED pool light for beautiful evening swims. This chlorine pool is also plumbed for a slide, offering even more potential for fun. Built for durability, it features heavy-duty galvanized steel walls and a poly stair tub. The spacious backyard is ideal for entertaining, relaxing, and making lasting memories with family and friends. Conveniently located near Tyndall Air Force Base, shopping, dining, and schools, this home offers the perfect blend of comfort, location, and lifestyle. Don't miss your chance to own this move-in ready home with all the upgrades and a backyard built to impress!

Highlights

Listed by Tabitha Garcia , 850-866-4783 CENTURY 21 Ryan Realty Inc , 850-233-7926. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.21

HOA Fee

585 Annually

Year Built

2023

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cedar Park Ph II

Listing ID

795320

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Coffered Ceiling(s), Double Vanity, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:75.0 ft x 120.0 ft
Roof:Asphalt,Shingle
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener

Open House

Upcoming Open Houses
Saturday 10:00 am - 1:00 pm Oct 10
Principal Interest
$2,403
Taxes
$312
HOA
$585

Home Price

$435,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$87,000
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:
$2,403.31

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,403.31 $312.48 $585.00 $3,300.79
Yearly $28,839.75 $3,749.72 $7,020.00 $39,609.47
Total $865,192.44 $112,491.60 $210,600.00 $1,188,284.04

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS