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Harrison Lilly

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

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4403 Bluewater Dr , Panama City, FL 32404
$579,000
Est. Payment: $2,936.58/mo
3 Bed
3 Bath
2263 Sqft
Status: active | Days on site: 85
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Lake Life, Every Day! Forget the ''weekend getaway''--make every day a vacation in this masterfully redesigned waterfront estate on popular Deer Point Lake! Nestled at the end of a private cul-de-sac on nearly an acre of pristine rolling waterfront land, 4403 Bluewater Drive in Panama City, FL offers more than just a home, it's a complete lifestyle upgrade! Enjoy breathtaking lake views and the serenity of true waterfront living from this stunning retreat. Boater's Paradise: Launch from your newly rebuilt private dock and enjoy a scenic boat ride to the crystal-clear waters of Econfina Creek Springs Recreation Area. Spend your mornings fishing for trophy bass or take a short hop to McCall Everett Park for Gulf access and a run out to Shell Island. This is waterfront living at its finest. ''New Everything'' & Smart Integration This is a true ''down to the studs'' transformation. Remodeled to perfection, you can move in with a zero ''to-do'' list: " Peace of Mind: New Roof (2019), new septic system, new plumbing throughout, and two new HVAC Units for dual-zone climate perfection. " Chef's Smart Kitchen: Who knew we'd have ''techy'' kitchens... This stand out kitchen is fully equipped with smart technology, including a smart oven, trash compactor, Moen smart faucet and ''Scan to Cook'' microwave--all framed by a seamless open concept design, perfect for entertaining! " Modern Aesthetics: New flooring throughout, designer lighting and fixtures, and expansive windows that capture those incredible lake views. The Unicorn of Florida Real Estate: In today's market, insurance matters - and this home delivers! The property sits on a gentle slope in Flood Zone X, meaning flood insurance is NOT required. Combine that with the recent upgrades, it offers some of the most favorable insurance premiums in Bay County. Privacy Meets Convenience: Enjoy panoramic water views from almost every room, including the oversized Master Suite. The fenced, nearly one-acre lot offers peaceful seclusion and a true birder's paradise, while still being conveniently located near shopping and amenities - including the new Publix shopping center on Hwy 231. And an easy 17-mile commute to Tyndall AFB. Stop searching. Start Living! Homes of this caliber on Deer Point Lake rarely hit the market - especially ones that feel this new! Schedule your showing and experience #lakelife for yourself

Highlights

Listed by Jessica J Albritton , 850-258-4766 Beachy Beach Real Estate , 850-532-6262. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.82

Year Built

1979

County

Bay

Area

27 - Bay County

Neighborhood

Deerpoint Estates

Listing ID

998393

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Refrigerator, Stove/Oven Electric, Trash Compactor, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate,Floor Tile,Floor WW Carpet New
Other:
  • Additional:Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding, Fireplace, Pantry, Washer/Dryer Hookup
Water:Well

Exterior Features

Lot:Cul-De-Sac,Dead End,Within 1/2 Mile to Water,Lake,RiparianRights,Shore - Natural
Lot Dimensions:50x155x200x55x55x300
Zoning:County, Resid Single Family
Others:
  • Additional:Balcony, Fenced Back Yard, Fenced Cross, Yard Building, Porch Open, Fenced Chain Link
Sewer:Septic Tank
Parking Features:Guest,Oversized,See Remarks
Principal Interest
$2,937
Taxes
$369

Home Price

$579,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$115,800
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:
$2,936.58

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,936.58 $369.11 $0.00 $3,305.69
Yearly $35,238.95 $4,429.35 $0.00 $39,668.30
Total $1,057,168.35 $132,880.50 $0.00 $1,190,048.85

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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