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Harrison Lilly

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

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100 Cherry St Unit 103 , Panama City, FL 32401
$2,600
Est. Payment: $13.19/mo
2 Bed
3 Bath
1250 Sqft
Status: active | Days on site: 27
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Discover a hidden gem in the heart of the historic Cove neighborhood in Panama City, nestled along the picturesque St. Andrews Bay. This beautifully renovated waterfront 2-bedroom, 2.5-bathroom condo on the first floor offers stunning bay views and modern upgrades throughout. Plus, tons of storage inside! Rent includes yardwork, water, sewer and trash disposal. The custom kitchen features elegant cabinetry, quartz countertops, a double oven, new stainless steel appliances, ample counter space, and storage. The open layout seamlessly connects the kitchen, breakfast area, and living room, all overlooking the Bay. A highlight is the spacious laundry room with full-size washer and dryer, custom cabinets, quartz countertops, a sink, and plenty of storage. Unique to this condo is the addition of a half bathroom during the renovations. It also features LVP flooring and new windows throughout, plus a convenient Murphy bed in the second bedroom. Enjoy the amenities of Cove Condominiums, including a private pool, clubhouse, and dock. Just a short stroll away, Historic Downtown Panama City offers a vibrant mix of restaurants, shops, farmers' markets, and coffee houses. Experience front-row seats to fireworks and the annual Christmas Boat Parade right from your doorstep! Don't miss out on this exceptional opportunity to call this one-of-a-kind property home!

Highlights

Listed by Mindi A Sato , 850-628-3118 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential Lease

Year Built

1975

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cove Condominium

Listing ID

793084

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dryer, Free-Standing Electric Range, Stainless Steel Appliance(s), Washer
Other:
  • Additional:Breakfast Bar, High Ceilings, Kitchen Island, Main Level Primary, Remodeled, Recessed Lighting, Split Bedrooms, Walk-In Closet(s), Window Treatments

Exterior Features

Lot:Sprinkler System,Paved
Others:
  • Additional:Updated/Remodeled
Sewer:Public Sewer
Parking Features:Additional Parking,No Garage,Parking Lot
Principal Interest
$13
Taxes
$2

Home Price

$2,600

Loan Details

30 yrs
6.529%

Down Payment

20%
$520
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:
$13.19

Principal

Taxes

Principal Taxes HOA Total
Monthly $13.19 $1.66 $0.00 $14.84
Yearly $158.24 $19.89 $0.00 $178.13
Total $4,747.22 $596.70 $0.00 $5,343.92

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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