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Harrison Lilly

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

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5920 /5922 Gulf Dr , Panama City, FL 32408
$795,000
Est. Payment: $4,032.09/mo
0 Bed
0 Bath
0 Sqft
Status: active | Days on site: 9
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare east-end Panama City Beach opportunity just off the Gulf. These two adjoining parcels total approximately 45' x 100' and offer an exceptional setting for a custom beach retreat or coastal project. Located just east of Hadley's Beach and just a short distance from the sand, this property gives you the beachside lifestyle without being tied to an HOA. Enjoy the flexibility of no HOA dues, no HOA approval process, and no neighborhood rental restrictions imposed by an association, while still being close to the water, Thomas Drive, St. Andrews State Park, Shell Island excursions, Grand Lagoon marinas, restaurants, beach bars, fishing, boating, and the quieter charm of the east end. The property is zoned SR-2 Seasonal/Resort and is located in Flood Zone X, adding to its appeal for buyers looking for a flexible beach-area opportunity in a highly desirable location. Buyer to verify zoning, permitted uses, setbacks, buildable envelope, utilities, lot-combination requirements, flood zone, coastal construction requirements, and any short-term rental or development requirements with Bay County.

Highlights

Listed by Craig Duran , 850-290-0417 Berkshire Hathaway HomeServices Beach Properties of Florida , 850-252-4160. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
0.09

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Crescent Beach Unit 1

Listing ID

792773

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:0
  • Full Bathrooms:

Exterior Features

Lot Dimensions:45x100
Principal Interest
$4,032
Taxes
$507

Home Price

$795,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$159,000
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:
$4,032.09

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,032.09 $506.81 $0.00 $4,538.90
Yearly $48,385.08 $6,081.75 $0.00 $54,466.83
Total $1,451,552.40 $182,452.50 $0.00 $1,634,004.90

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