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Harrison Lilly Team

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

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1219 Thomas Dr Unit 95 , Panama City, FL 32408
$149,000
Est. Payment: $823.20/mo
2 Bed
2 Bath
1168 Sqft
0.07 Acres
Status: Active | Days on site: 1
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BPPG - B12943
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Harrison Lilly Team
Owner/Operator

House Description

Discover an incredible equity-building opportunity with this spacious 1,100 square-foot home located in the desirable Emerald Pointe Resort, situated directly on the beach across from the Navy Base. Offering significantly more square footage than smaller units priced much higher, this property is a true handyman special priced well below neighborhood comps that start at $225,000. Following a minor dryer incident that resulted in smoke damage, the seller has already completed the heavy lifting; a licensed electrician has verified that the dryer wiring and electrical connections are entirely sound, and the plumbing remains completely undamaged. The home is now ready for your final cosmetic touches and personal style to bring it to its full potential. Best of all, you own the land with zero lot rental fees, complemented by a reasonable HOA fee of $2,600 per year and a prime location just steps from the community pool and front gate.

Highlights

Listed by Edmond Zlotea , 850-960-2575 The Premier Property Group , 850-213-5000. Bay County Association of REALTORS

Property Type

Manufactured Home

Lot/Acreage
0.07

HOA Fee

650 Quarterly

Year Built

2003

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Emerald Pointe Resort

Listing ID

796096

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Ductless
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Sitting Area in Primary, Shower Only

Exterior Features

Lot:Paved
Lot Dimensions:40x80
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$823
Taxes
$124
HOA
$650

Home Price

$149,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$29,800
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:
$823.20

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $823.20 $123.51 $650.00 $1,596.72
Yearly $9,878.44 $1,482.14 $7,800.00 $19,160.58
Total $296,353.27 $44,464.20 $234,000.00 $574,817.47

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS