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Harrison Lilly

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

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1401 Dewitt St , Panama City, FL 32401
$482,000
Est. Payment: $2,444.61/mo
4 Bed
3 Bath
2102 Sqft
Status: pending | Days on site: 12
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Under Contract - Taking Backups! Over 2,100 square feet, 4 bedrooms, 2.5 bathrooms and a 2-car garage in The Cove? Opportunities like this rarely come along. Situated on a large corner lot in desirable Cove Terrace, this charming home offers bayou views from the front, an expansive primary suite, three additional bedrooms, a versatile bonus room, and two incredible backyard patios beneath some of Panama City's most beautiful oak trees. Originally built in 1951 and thoughtfully expanded over the years, this distinctive home blends timeless character with the space today's buyers are looking for. Beautiful original hardwood floors, abundant natural light, and thoughtful updates create a warm, inviting feel throughout. The oversized primary suite provides a private retreat, while the bonus room is ideal as a home office, fitness room, media room, playroom, or hobby space. Step outside to enjoy two spacious patios designed for entertaining, grilling, or simply relaxing in the shade. The large corner lot, mature landscaping, and magnificent oak trees create a setting that's both private and welcoming. This golf cart-friendly neighborhood is known for its historic charm, tree-lined streets, waterfront parks, and convenient access to downtown Panama City, dining, shopping, schools, St. Andrews Bay, and the marina. If you've been searching for a home with character, generous living space, four true bedrooms, a 2-car garage, and an unbeatable location, this is an opportunity you won't want to miss.

Highlights

Listed by Robin A Lee , 850-974-8706 Florida Sales Realty , 850-974-8706. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.33

Year Built

1951

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cove Terrace

Listing ID

792270

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:104.0 ft x 140.0 ft
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Covered Patio
Sewer:Public Sewer
Principal Interest
$2,445
Taxes
$375

Home Price

$482,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$96,400
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:
$2,444.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,444.61 $374.83 $0.00 $2,819.45
Yearly $29,335.36 $4,498.00 $0.00 $33,833.36
Total $880,060.70 $134,940.00 $0.00 $1,015,000.70

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