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Harrison Lilly Team

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

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112 N Gayle Ave , Panama City, FL 32401
$420,000
Est. Payment: $2,320.44/mo
4 Bed
2 Bath
1990 Sqft
0.24 Acres
Status: Active | Days on site: 28
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FREA - B5037
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Harrison Lilly Team
Owner/Operator

House Description

Beautifully remodeled home in Panama City's highly sought-after Cove neighborhood! From the moment you enter, you will appreciate the spacious open floor plan, vaulted ceiling, recessed lighting, and luxury vinyl plank flooring throughout. The modern kitchen is designed for everyday living and entertaining, featuring an impressive 9-foot island, pantry, refrigerator with water and ice dispenser, and a self-cleaning glass-top range that even has a bread-proofing feature. The island has a hidden power bank. Both bathrooms feature double vanities and attractive tilework. The hallway bath has a tub/shower and the master ensuite has a tiled stand up shower. The owner has added a large back deck, creating a wonderful space for morning coffee, evening relaxation, and entertaining. A backyard shed provides additional storage, and the home also features a concrete driveway. The backyard is now completely privacy fenced with a double gate to allow alley access. Located just half a block from Sudduth Park, residents can easily enjoy the baseball diamond and playground. Cherry Street Elementary is within walking distance, and downtown Panama City is accessible by bicycle or golf cart for the Saturday farmers market, festivals, shops, live music, dining, and community events. Along the way, enjoy the scenic Beach Drive area, where the Cove Events Committee hosts its Fourth of July celebration. The neighborhood also embraces its golf-cart lifestyle with festive parades for Christmas, Halloween, and the Fourth of July. This updated Cove home offers a wonderful combination of modern comfort, outdoor living, and a convenient neighborhood location! Information is deemed reliable but not guaranteed. All measurements and property details are approximate and should be verified by buyer.

Highlights

Listed by Jennifer N Ethridge , 850-960-6050 Foundation Real Estate Agency LLC , 850-988-1618. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.24

Year Built

1950

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cove Terrace

Listing ID

794455

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Smart Home, Smart Thermostat, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:75.0 ft x 140.0 ft
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Deck
Sewer:Public Sewer
Parking Features:Alley Access,No Garage
Principal Interest
$2,320
Taxes
$417

Home Price

$420,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$84,000
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:
$2,320.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,320.44 $416.75 $0.00 $2,737.19
Yearly $27,845.27 $5,001.00 $0.00 $32,846.27
Total $835,358.22 $150,030.00 $0.00 $985,388.22

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

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