Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

1809 Dewitt St , Panama City, FL 32401
$499,000
Est. Payment: $2,530.83/mo
4 Bed
3 Bath
1879 Sqft
Status: pending | Days on site: 27
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

***Seller is offering a $10,000 incentive for buyer to use however they would like!*** Welcome to 1809 DeWitt Street, where timeless Cove charm meets modern luxury. Perfectly positioned to capture stunning protected water views, this 4 bed 3 bath completely reimagined ranch-style home offers a rare opportunity to enjoy one of Panama City's most sought-after neighborhoods without compromise. Every inch of this home has been thoughtfully renovated with an emphasis on quality craftsmanship, elegant finishes, and effortless everyday living. From the moment you arrive, you'll appreciate the attention to detail that transforms this property from simply updated to truly exceptional. Inside, you'll find bright, inviting living spaces designed to maximize both comfort and style. The seamless blend of modern finishes and classic character creates a warm, welcoming atmosphere that feels instantly like home. Whether entertaining guests or enjoying a quiet evening overlooking the water, every space has been carefully curated to showcase the home's unique setting. One of the property's most remarkable features is its protected water view--an increasingly rare amenity that provides a picturesque backdrop and a sense of tranquility that few homes can offer. Enjoy morning coffee as the sun rises over the water or unwind in the evening while taking in the peaceful scenery that makes this location so special. Adding to the property's versatility is a detached climate-controlled storage building, offering endless possibilities as a workshop, hobby space, home office, fitness room, studio, or secure storage for valuable belongings. Having heated and cooled flex space separate from the main residence is a rare and highly desirable feature that enhances both functionality and value. Located in the heart of The Cove, residents enjoy one of Panama City's most beloved neighborhoods, known for its mature trees, waterfront parks, golf-cart-friendly streets, and close proximity to downtown St. Andrews, marinas, dining, shopping, and entertainment. Opportunities to own a fully renovated home with enduring water views, flexible bonus space, and the unmatched lifestyle of The Cove are exceptionally rare. This is more than a home--it's a lifestyle.

Highlights

Listed by Jesse A Cole , 770-833-7693 Counts Real Estate Group , 850-248-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.25

Year Built

1955

County

Bay

Area

02 - Bay County - Central

Neighborhood

Cove Terrace

Listing ID

791124

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:80.0 ft x 140.0 ft
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$2,531
Taxes
$297

Home Price

$499,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$99,800
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:
$2,530.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,530.83 $296.59 $0.00 $2,827.43
Yearly $30,370.01 $3,559.11 $0.00 $33,929.12
Total $911,100.19 $106,773.30 $0.00 $1,017,873.49

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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