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Harrison Lilly

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

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3855 Heartwood St , Panama City, FL 32404
$295,000
Est. Payment: $1,496.03/mo
3 Bed
2 Bath
1984 Sqft
Status: pending | Days on site: 104
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

**Multiple Offers Exsist All Highest and Best Offers due July 15th before 1PM CST** Priced to sale in highly sought-after College Station neighborhood of Panama City! This welcoming open floor plan features three-bedrooms, two-bathrooms offering 1,901 square feet of well-designed living space that checks all the boxes for comfortable Florida living. The split floor plan gives everyone their own space, which is honestly one of the smartest layouts out there. The primary bedroom is a true retreat, featuring a large closet and a double vanity bathroom that makes morning routines a breeze. Vaulted ceilings throughout create an airy, open feel that makes the home live even larger than its generous square footage suggests. Vinyl plank flooring runs through the home, giving you that beautiful look without the fussy maintenance. The kitchen comes equipped with a pantry, because nobody ever complained about having too much storage. Washer, Dryer, and TV in primary bedroom convey in as-is condition with the sale of this home. *Information provided is deemed reliable but is not guaranteed and should be independently verified by the buyer*

Highlights

Listed by MaryAnn Enfinger , 850-832-5263 Overstreet Realty , 850-774-0402. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.26

HOA Fee

150 Quarterly

Year Built

2022

County

Bay

Area

02 - Bay County - Central

Neighborhood

College Station Phase 2

Listing ID

788132

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:66.06 x 203.88 x 60 x 176.24
Zoning:City, Resid Single Family
Roof:Shingle
Sewer:Public Sewer
Parking Features:Paved
Principal Interest
$1,496
Taxes
$341
HOA
$150

Home Price

$295,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$59,000
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:
$1,496.03

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,496.03 $340.50 $150.00 $1,986.53
Yearly $17,952.35 $4,086.00 $1,800.00 $23,838.35
Total $538,570.42 $122,580.00 $54,000.00 $715,150.42

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