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Harrison Lilly Team

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

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5405 Duneridge Rd , Panama City, FL 32404
$315,000
Est. Payment: $1,740.33/mo
3 Bed
2 Bath
1380 Sqft
0.26 Acres
Status: Active | Days on site: 18
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CBN - B12550,B10219
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Harrison Lilly Team
Owner/Operator

House Description

Located in unincorporated Panama City, this 3 bedroom, 2 bathroom home offers a flexible setup with a large fully fenced backyard, extensive recent improvements, and a detached 1 bedroom, 1 bathroom unit. The property has convenient access to Tyndall Air Force Base, Panama City Beach, parks, shopping, and everyday amenities. The unincorporated Bay County location may provide different tax and insurance considerations than properties within municipal limits, subject to individual circumstances and verification. The main home has received approximately $28,000 in recent upgrades. All interior walls were repainted, light fixtures and outlets were updated, and the kitchen received quartzite countertops with a new sink and faucet. Both bathrooms received quartz countertops, new sinks and faucets, updated cabinet hardware, new towel bar holders, robe hooks, and toilet paper holders. Door hinges and handles were also updated throughout the home. A pantry and dedicated laundry room add everyday functionality. The detached backyard unit was previously used by the prior owner as a beauty salon and has been converted by the current owners into a 1 bedroom, 1 bathroom space. It includes a tiled shower, toilet, vanity, kitchen sink and cabinet, electric tankless hot water heater, and window AC unit. The tile and plumbing work associated with this conversion is included in the approximately $28,000 in recent improvements. The backyard layout could allow the unit area to be separated from the main home's outdoor space, giving the occupant a defined area of access while preserving the main home's backyard area. The oversized fenced backyard provides substantial usable space for parking a boat, vehicle, or trailer, along with a fire pit and chicken coop. The property offers room for a variety of outdoor uses and storage needs. Exterior improvements include landscaping, pressure washing, and fresh black mulch. The property is approximately 10 miles from Tyndall Air Force Base in the Callaway area and approximately 20 miles from Navy Boulevard in Panama City Beach, with actual drive time varying by route and traffic. Nearby recreation includes Bay Dunes Park and Harders Park, with additional outdoor amenities and Panama City Beach attractions within a convenient drive. The detached unit has not been brought into the county permitting process by the current owners. A future owner may investigate county requirements for bringing the structure into compliance and whether short term rental use is permitted and eligible for approval. The chicken coop may also provide an opportunity for a future owner to investigate agricultural classification or related tax treatment with Bay County, but any zoning, permitting, agricultural classification, or tax benefits would require approval and verification with the appropriate authorities. Buyers should independently verify all measurements, zoning, permitting, insurance, tax treatment, and potential rental use. Updated shed pictures have been uploaded to the listing but have been virtually staged using AI.

Highlights

Listed by Ashton Wellborn , 448-205-8830 and Parker Hakenewert , 850-819-5624 Coldwell Banker Niceville , 850-897-4563. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.26

Year Built

2005

County

Bay

Area

05 - Bay County - East

Neighborhood

Duneridge

Listing ID

795567

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater, Plumbed For Ice Maker
Air Cond:Central Air,Ceiling Fan(s),Ductless
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Smart Thermostat, Tub Shower, Walk-In Closet(s), Instant Hot Water

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:75x150
Zoning:Resid Single Family
Roof:Asphalt,Shingle
Principal Interest
$1,740
Taxes
$235

Home Price

$315,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$63,000
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Monthly Price:
$1,740.33

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,740.33 $235.12 $0.00 $1,975.45
Yearly $20,883.96 $2,821.47 $0.00 $23,705.43
Total $626,518.67 $84,644.10 $0.00 $711,162.77

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: 2026-10-07T02:14:18.000Z

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