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Harrison Lilly

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

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1219 Navy Boulevard Unit 148 , Panama City, FL 32408
$219,000
Est. Payment: $1,110.73/mo
3 Bed
2 Bath
860 Sqft
Status: active | Days on site: 98
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Cottage 148 in Emerald Pointe Resort--a delightful coastal retreat with a carport and the PERFECT porch for enjoying the Florida lifestyle. This cottage features a large primary bedroom, spacious family room, and comfortable flow designed for easy full-time living or extended beach escape getaways. Offered partially furnished and ready for your personal decorator touches, this cottage in this unique community is an outstanding opportunity for full-time living, a second home, or an income-producing short-term rental. Emerald Pointe Resort is one of Panama City Beach's hidden gems--a gated, pet-friendly, golf-cart-friendly community in the highly desirable Upper Grand Lagoon area. Unlike crowded high-rise condos, this low-density neighborhood offers you the opportunity to own a detached, single-family cottage with covered, private parking in a secure, gated community with resort-style amenities. Residents and guests enjoy access to two swimming pools (one seasonally heated), a hot tub, large clubhouse with full kitchen, Ping-Pong table, fitness center, catch and release fishing pond, shuffleboard, and beautifully maintained grounds. The peaceful setting offers the perfect balance of privacy, convenience, and recreation. With its ideal Upper Grand Lagoon location, you're just minutes from the sugar-white beaches of the Gulf, several marinas on Grand Lagoon, shopping, dining, and local attractions. St. Andrews State Park, Shell Island, and Pier Park are all within easy reach, while Northwest Florida Beaches International Airport is just a 30 minute drive away. Whether you're searching for a primary residence, vacation getaway, or smart investment property, Cottage 148 delivers the best of beach living in one of the area's most charming, gated communities.

Highlights

Listed by Bruce King , 850-598-3660 Beachy Beach Real Estate , 850-231-3060. Bay County Association of REALTORS

Property Type

Manufactured Home

Lot/Acreage
0.07

HOA Fee

680 Quarterly

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Emerald Pointe Resort

Listing ID

789068

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Heat Pump
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:40x80
Zoning:Resid Single Family
Roof:Asphalt
Others:
  • Additional:Porch
Sewer:Public Sewer
Principal Interest
$1,111
Taxes
$72
HOA
$680

Home Price

$219,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$43,800
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:
$1,110.73

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,110.73 $72.08 $680.00 $1,862.81
Yearly $13,328.72 $865.00 $8,160.00 $22,353.72
Total $399,861.60 $25,950.00 $244,800.00 $670,611.60

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS