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Harrison Lilly

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: $3,747.68/mo
3 Bed
3 Bath
2571 Sqft
Status: active | Days on site: 91
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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. Click ''more'' 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 24x30 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 Kim Douglas , 850-258-3919 and Robert L Douglas , 850-596-4714 True Coastal Realty PLLC , 850-596-4714. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
2.66

Year Built

1997

County

Bay

Area

27 - Bay County

Neighborhood

Deerwood

Listing ID

1002855

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Ceiling Raised, Fireplace, Pantry, Shelving, Split Bedroom, Washer/Dryer Hookup, Woodwork Painted
Water:Well

Exterior Features

Lot:Aerials/Topo Availbl,Within 1/2 Mile to Water,See Remarks,Lake,Shore - Natural
Lot Dimensions:240 x 430 irregular, 358'waterfront
Zoning:County, Resid Single Family
Others:
  • Additional:BBQ Pit/Grill, Dock, Shower, Sprinkler System, Patio Covered, Patio Open
Sewer:Septic Tank
Parking Features:Garage,Boat,Carport,Covered,Detached,Garage Detached,Oversized,RV,See Remarks
Principal Interest
$3,748
Taxes
$213

Home Price

$739,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$147,800
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:
$3,747.68

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,747.68 $212.89 $0.00 $3,960.57
Yearly $44,972.15 $2,554.69 $0.00 $47,526.84
Total $1,349,164.54 $76,640.70 $0.00 $1,425,805.24

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:32:47.000Z

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