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Harrison Lilly Team

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

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5423 Frank Hough Rd , Panama City, FL 32404
$395,000
Est. Payment: $2,182.32/mo
4 Bed
3 Bath
2278 Sqft
0.25 Acres
Status: Active | Days on site: 4
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RLBK - B11448,B12758
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Harrison Lilly Team
Owner/Operator

House Description

Rich in upgrades and ready for its next owner, this 4-bedroom, 3-bath brick home sits in Panama City's highly desirable Cherokee Heights neighborhood. Classic curb appeal meets modern living throughout. The open-concept layout is anchored by luxury vinyl plank flooring, tray ceilings, and natural light that fills the main living spaces. The living room connects directly to the kitchen, where granite countertops, quality appliances, a walk-in pantry, and abundant cabinetry make cooking and hosting equally easy. Set apart for privacy, the primary suite features its own tray ceiling, a generous walk-in closet, and a spa-inspired bath with double granite vanities, a soaking tub, and a separate walk-in shower. The additional bedrooms are well sized, offering flexibility for guests, a home office, or hobbies. Storage is a standout here, with a dedicated storage closet, a floored attic accessed by pull-down stairs, and an attached two-car garage with space for vehicles, tools, and recreational gear. Situated on a corner lot, this house is just minutes from shopping, restaurants, schools, medical care, and the Emerald Coast's white-sand beaches, this well-maintained home delivers quality, comfort, and convenience in one of Panama City's most sought-after communities. Schedule your private showing today.

Highlights

Listed by Dustin Ballard , 850-209-1048 and Stephanie Dickson , 850-451-1210 Real Broker LLC , 855-450-0442. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.25

Year Built

2022

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cherokee Heights Phase III

Listing ID

795801

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot Dimensions:141x80x138x79
Sewer:Public Sewer
Principal Interest
$2,182
Taxes
$252

Home Price

$395,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,000
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:
$2,182.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,182.32 $251.81 $0.00 $2,434.13
Yearly $26,187.82 $3,021.75 $0.00 $29,209.57
Total $785,634.52 $90,652.50 $0.00 $876,287.02

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS