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Harrison Lilly

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

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100 Cherry St Unit 604 , Panama City, FL 32401
$399,000
Est. Payment: $2,023.44/mo
3 Bed
3 Bath
2701 Sqft
Status: active | Days on site: 163
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

A rare double-unit waterfront residence at The Cove, now offered with a $96K price reduction. This 2,701 sq ft bayfront home combines Units 604/605 into an expansive, mid-century-inspired layout framed by sweeping views of St. Andrews Bay and Shell Island. Full-height sliders span the entire length of the residence, opening to two generous balconies and creating a seamless connection to the water. Automated hurricane shutters and remote sunshades add effortless comfort and protection. Refined updates include refreshed parquet flooring, new designer lighting, and freshly painted interiors. The chef's kitchen features a Wolf cooktop, Maytag oven, and built-in JennAir microwave. Three private bedroom suites each offer their own full bath, with the owner's suite showcasing balcony access, panoramic bay views, and dual custom walk-in closets. A bay-facing office with built-ins provides an elevated workspace. Additional features include two recently replaced HVAC systems, two private storage units, and two dedicated parking spaces steps from the elevator. The Cove offers a waterfront pool, clubhouse, and dock, all minutes from Historic Downtown Panama City--now evolving into a growing arts and dining hub with galleries, studios, and chef-driven restaurants. A standout opportunity to own one of the largest and most distinctive luxury waterfront residences in the area.

Highlights

Listed by The Gettings Group , 205-393-7183 and Frankie G Silver , 205-765-9443 Corcoran Reverie , 850-231-5030. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

1975

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cove Condominium

Listing ID

784711

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Convection Oven, Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Multi Units
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resid Multi-Family
Roof:Clay
Others:
  • Additional:Dock
Sewer:Public Sewer
Parking Features:Additional Parking,Paved,Parking Lot
Principal Interest
$2,023
Taxes
$856
HOA
$0

Home Price

$399,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$79,800
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:
$2,023.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,023.44 $855.58 $0.00 $2,879.03
Yearly $24,281.31 $10,267.00 $0.00 $34,548.31
Total $728,439.31 $308,010.00 $0.00 $1,036,449.31

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