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Harrison Lilly Team

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

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4405 De Len Dr , Panama City, FL 32404
$739,000
Est. Payment: $4,082.87/mo
3 Bed
3 Bath
2571 Sqft
2.66 Acres
Status: Active | Days on site: 136
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Harrison Lilly Team
Owner/Operator

House Description

This exceptional home sits on 2.66 acres of direct Deerpoint Lake frontage in Bay County, Florida. Updated in 2017 and in excellent condition, it offers a rare combination of modern finishes, serious outdoor entertaining space, a detached garage, and a private boat dock. The paved circle driveway with tall covered parking accommodates a boat, RV, or extra vehicles with ease. Brick construction and vinyl trim keep maintenance minimal -- a detail you'll appreciate before you even step inside. Inside, high ceilings and quality ceramic plank flooring set the tone throughout. A formal dining room and ornate dry bar anchor the open floor plan, which flows naturally into a family room and adjacent sitting area centered around a large wood-burning fireplace -- both overlooking the incredible outdoor entertainment area beyond. The peninsula kitchen is clean and modern: granite countertops, stainless appliances, and a Jenn-Air cooktop with built-in oven and convection microwave. The primary suite was fully enhanced in 2017 with an additional dedicated A/C unit, dual vanities, a tile rain shower, an alcove soaking tub, and a private toilet and bidet. The 2017 renovation also created a second primary bedroom -- a generous 12x22 with twin closets and its own bathroom. A Maytag washer and dryer convey with the home. The finished, oversized attached double garage connects directly to the kitchen for everyday convenience. Outside, the east side of the property remains wooded for privacy. A 24 x30 detached garage with high ceilings, LED lighting, and ceiling fans has been built out as a serious workshop -- wired with multiple 220V circuits for an RV connection, compressor, or welder. Paver parking extends along two sides. Behind the home, a 45x52 paver entertainment area features a built-in brick and stainless grill and a large stone fire pit. An electrical stub-out and outdoor shower are already in place for a future pool. Down at the water, a private dock and covered 16x20 boathouse await. The property runs on a 4-inch well with a dedicated well house and filtration system serving the home and two irrigation zones. Septic and drain field eliminate city water and sewer costs entirely. No HOA. Flood Zone X -- no flood insurance required.

Highlights

Listed by Bob L Douglas , 850-596-4714 True Coastal Realty PLLC , 850-596-4714. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
2.66

Year Built

1997

County

Bay

Area

04 - Bay County - North

Neighborhood

Deerwood

Listing ID

789751

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Down Draft, Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Zoned
Fireplaces:
Other:
  • ▪ Additional:Bidet, Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:240 x 430 irregular, 358'waterfront
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Barbecue, Dock, Patio, Fire Pit
Parking Features:Additional Parking,Garage,Garage Door Opener,Paved,RV Garage,RV Carport
Principal Interest
$4,083
Taxes
$213

Home Price

$739,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$147,800
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Monthly Price:
$4,082.87

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,082.87 $212.92 $0.00 $4,295.79
Yearly $48,994.42 $2,555.00 $0.00 $51,549.42
Total $1,469,832.68 $76,650.00 $0.00 $1,546,482.68

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS