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Harrison Lilly

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

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109 Arlington Dr , Panama City, FL 32404
$409,500
Est. Payment: $2,076.69/mo
4 Bed
3 Bath
2072 Sqft
Status: active | Days on site: 103
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Waterfront living meets everyday comfort in this beautifully appointed 4-bedroom, 3-bath home on stunning Lake Martin! Designed for both relaxation and entertaining, this spacious property features two private en suites, including one with direct access to the backyard oasis and sparkling in-ground saltwater pool complete with a diving board. Inside, the home is filled with natural light thanks to an abundance of windows that create a bright, airy atmosphere throughout. The kitchen is both stylish and functional, showcasing granite countertops and a decorative glass tile backsplash that adds the perfect touch of elegance. Step outside and enjoy everything Florida living has to offer -- a fully fenced backyard, pool house, storage shed, and stairs leading down to a generous lakeside deck ideal for fishing, boating, sunset views, or simply unwinding by the water. A nearby public boat landing makes getting out on the lake quick and convenient. Additional highlights include hurricane shutters for added peace of mind during storm season and partial solar power to help keep energy costs lower year-round. Conveniently located just minutes from Tyndall Air Force Base, as well as grocery stores, dining, shopping, and everyday conveniences, this property offers the perfect blend of privacy, recreation, and accessibility. Whether you're searching for a full-time residence, vacation retreat, or entertainer's dream home, this lakeside gem delivers the best of Florida waterfront living. All zoning, sizes, and measurements are approx. please verify if important. Also, sellers are very motivated.

Highlights

Listed by Selina M Bullock , 850-814-1923 Selina's Southern Realty LLC , 850-640-2262. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.35

Year Built

1971

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cherry Hill Unit 2

Listing ID

789521

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:Gas
Other:
  • Additional:Double Vanity, Fireplace, Bath in Primary Bedroom, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot Dimensions:90x170
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Deck
Sewer:Public Sewer
Parking Features:Circular Driveway,RV Access/Parking
Principal Interest
$2,077
Taxes
$495

Home Price

$409,500

Loan Details

30 yrs
6.528%

Down Payment

20%
$81,900
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:
$2,076.69

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,076.69 $494.92 $0.00 $2,571.61
Yearly $24,920.29 $5,939.00 $0.00 $30,859.29
Total $747,608.77 $178,170.00 $0.00 $925,778.77

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS