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Harrison Lilly

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

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4409 Deer Point Cove Ln , Panama City, FL 32404
$875,000
Est. Payment: $4,437.83/mo
5 Bed
3 Bath
3926 Sqft
Status: active | Days on site: 206
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Discover an exceptional privately gated estate on Deer Point Cove Lane, set within a small, private setting and crafted with impressive detail, functionality, and quality throughout. This red-brick residence is introduced by an elongated half-circle driveway, expansive RV parking, and a 2+ car garage wired for electric charging. A detached third garage adds even more versatility and includes a climate-controlled 2,000-bottle wine cellar with Vintage View and Sorbus racking, plus a fully equipped 11×6 secure storage and firearms room. Also available for sale is a separate half-acre, fully buildable lot (estimated $125K value) already improved with power, offering opportunities for future use or added privacy. Additional exterior features include 58 solar panels with two Tesla Powerwalls, a sprinkler system, private Econfina well, septic, security cameras, Ring doorbell, hardwired pathway lighting, Nest thermostats, and two HVAC systems. Inside, the main level features ceramic tile flooring, a newly remodeled kitchen, and an extra-large island topped with an exotic marble-granite hybrid that extends into a full-height backsplash. The GE Café Signature Series appliance suite and Italian copper ductless range hood create a striking focal point. The grand living room showcases 20-foot ceilings and overlooks the saltwater pool and hot tub, supported by pool pumps, filtration system, and gas heater that are less than five years old. Outdoor living includes two dedicated entertainment areas. The first is a fully outfitted pool house kitchen with a fireplace, bar area, refrigerators, microwave, and sound system. Across the patio, the second outdoor kitchen includes a grill, stovetop, wine fridge, refrigerator (plumbed for an icemaker), prep sink, ceiling fan, and its own A/C unit. The main-level owner's suite features coffered ceilings, a sitting area, and double French doors leading to the pool area. The remodeled bath includes live-edge granite counters, vessel sinks, a soaking tub, extensive storage, and a remarkable 12-foot shower with five showerheads. Upstairs, a beautifully updated full bath showcases live-edge granite, oval vessel sinks, a glass-enclosed tub/shower, and frosted glass barn doors. Four additional bedrooms offer generous closet space, including one en suite with a balcony overlooking the pool. The oversized bedroom above the garage provides excellent potential for a media room or other flexible use. This estate offers extensive upgrades, thoughtfully designed spaces, and modern systems, creating a standout opportunity near Deer Point Lake.

Highlights

Listed by T.C. Shand , 850-527-6928 and Savannah J Shand , 850-867-7335 Empire Real Estate of Florida LLC , 850-247-8868. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.66

HOA Fee

681 Annually

Year Built

2006

County

Bay

Area

04 - Bay County - North

Neighborhood

Deer Point Cove

Listing ID

782527

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3

Exterior Features

Lot Dimensions:survey needed
Principal Interest
$4,438
Taxes
$664
HOA
$681

Home Price

$875,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$175,000
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:
$4,437.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,437.83 $664.42 $681.00 $5,783.25
Yearly $53,254.02 $7,973.00 $8,172.00 $69,399.02
Total $1,597,620.57 $239,190.00 $245,160.00 $2,081,970.57

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