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Harrison Lilly Team

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

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118 N Gayle Ave , Panama City, FL 32401
$324,900
Est. Payment: $1,795.03/mo
3 Bed
2 Bath
1546 Sqft
0.24 Acres
Status: Active | Days on site: 2
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BCC2 - B10564,B12218
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Welcome to this beautifully remodeled 3 bedroom, 2 bath home in the highly desirable Cove neighborhood of Panama City, Florida. Originally built in 1950, this charming home beautifully blends timeless character with thoughtful modern updates. Inside, you'll find original hardwood floors, beautiful architectural details, and charm, paired with a fresh, fully remodeled interior. The brand new primary bathroom offers a beautiful modern retreat, while the spacious layout provides plenty of room for everyday living and entertaining. Step outside and you'll fall in love with the huge backyard, framed by beautiful mature trees that provide shade, privacy, and a picturesque setting. There's plenty of space to create your own outdoor oasis, garden, entertain, or simply enjoy the peaceful surroundings. Located in The Cove, this home offers convenient access to downtown Panama City, local restaurants, shopping, parks, and the waterfront. If you're looking for a home with history, character, modern updates, and an incredible location, this one is truly special.
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Highlights

Listed by Cari Henry , 850-596-0303 and Buck F Henry , 850-541-5990 CENTURY 21 Commander Realty , 850-769-8326. 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

796271

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot Dimensions:75.0 ft x 140.0 ft
Roof:Metal
Others:
  • ▪ Additional:Deck
Sewer:Public Sewer
Principal Interest
$1,795
Taxes
$172

Home Price

$324,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$64,980
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:
$1,795.03

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,795.03 $171.95 $0.00 $1,966.98
Yearly $21,540.31 $2,063.42 $0.00 $23,603.73
Total $646,209.25 $61,902.60 $0.00 $708,111.85

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

© 2026 Bay County Association of REALTORS