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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
Status: Active | Days on site: 18
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ECU1 - E36009,E99999
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Located in unincorporated Bay County, this 3BR/2BA home features a large fenced backyard and a detached 1BR/1BA unit--great for flexible living. Close to Tyndall AFB, Panama City Beach, parks, and shopping. Unincorporated status may affect taxes/insurance; verify individually. The main home received ~$28,000 in upgrades: fresh paint, updated fixtures/outlets, quartzite kitchen counters, quartz bath counters, new sinks/faucets/hardware, and updated door hardware throughout. Includes a pantry and laundry room. The detached unit (former beauty salon) was converted to a 1BR/1BA with tiled shower, vanity, kitchen sink, tankless water heater, and window AC--not yet permitted with the county. Buyers should verify zoning, permitting, STR eligibility, and any agricultural classification for the chicken coop. Backyard fits a boat/vehicle/trailer, plus a fire pit and chicken coop. ~10 miles to Tyndall AFB, ~20 miles to PCB. Nearby: Bay Dunes and Harders Parks. Note: shed in photos have been updated and have been virtually staged using AI.
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Highlights

Listed by Ashton C Wellborn , 448-205-8830 and Outside Selling Member , 448-205-8830 Coldwell Banker Realty , 850-897-4563. Emerald Coast Multiple Listing Services

Property Type

Residential

Year Built

2005

County

Bay

Area

27 - Bay County

 Neighborhood

Duneridge

Listing ID

1012228

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Ceiling Vaulted, Fireplace, Newly Painted

Exterior Features

Lot Dimensions:75x150
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Fenced Back Yard, Sprinkler System, Patio Covered
Sewer:Septic Tank
Parking Features:Garage
Principal Interest
$1,740
Taxes
$235

Home Price

$315,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$63,000
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:
$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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T02:54:18.000Z

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