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Harrison Lilly Team

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

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6120 Beach Dr , Panama City, FL 32408
$525,000
Est. Payment: $2,900.55/mo
3 Bed
3 Bath
2538 Sqft
0.14 Acres
Status: Active | Days on site: 222
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 6120 Beach Drive - your chance to own a versatile beach retreat on the peaceful east end of Panama City Beach. This elevated coastal home offers the perfect blend of personal beach living and income potential, just moments from the Gulf. Upstairs you'll find a bright and inviting 1716sqft 2BR 2BA main living space featuring an open layout, spacious kitchen with island seating, durable flooring, and abundant natural light. Step outside to the large covered deck, the ideal spot for morning coffee, evening drinks, or simply relaxing in the coastal breeze after a day on the water. What truly sets this property apart is the fully separate 822 sqft 1 bedroom, 1 bathroom apartment located downstairs. With its own living space and private feel, this setup creates an excellent opportunity to generate rental income, host guests, or create a private retreat for extended family and friends. Whether you're looking for a vacation rental investment or a beach home that helps offset ownership costs, this flexible layout offers options buyers love. The property also features ample parking, covered space, and a fun backyard putting green area, making it perfect for entertaining after a day at the beach. Location is everything, and this home puts you right in the heart of the laid-back East End beach lifestyle. You're just minutes from some of the area's most loved destinations including Schooners Beach Club, public beach access points along Thomas Drive, and the natural beauty of St. Andrews State Park with its miles of shoreline, boating, fishing, and wildlife. Enjoy quick access to local restaurants, beach bars, marinas, and entertainment, while still enjoying a quieter side of Panama City Beach away from the heavy traffic of the west end. Whether you're searching for a smart investment opportunity, a second home near the Gulf, or a full-time coastal escape, this property delivers the flexibility and location to make it happen. Beach life, income potential, and the best of the East End -- all in one property. Come see it today!

Highlights

Listed by The Shields Group , 850-276-1030 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

Year Built

1980

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Crescent Beach Unit 1

Listing ID

786630

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity

Exterior Features

Lot:Paved
Lot Dimensions:119 x 49
Roof:Shingle
Others:
  • ▪ Additional:Deck
Sewer:Public Sewer
Parking Features:Paved
Principal Interest
$2,901
Taxes
$298

Home Price

$525,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$105,000
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:
$2,900.55

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,900.55 $297.50 $0.00 $3,198.05
Yearly $34,806.59 $3,570.00 $0.00 $38,376.59
Total $1,044,197.78 $107,100.00 $0.00 $1,151,297.78

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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