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Harrison Lilly Team

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

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171 Grafton St , Panama City, FL 32409
$405,000
Est. Payment: $2,237.57/mo
4 Bed
3 Bath
2303 Sqft
0.28 Acres
Status: Active | Days on site: 254
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BBB2 - B12354
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

VERY MOTIVATED SELLERS! Bring us an offer. Looking for more space, a great backyard, and a community with amenities you'll actually enjoy? This 4-bedroom, 2.5-bath, 2,303 sq. ft. home in Fanning Bayou deserves a look! Inside, you'll find an open floor plan with vaulted ceilings, a spacious kitchen with granite countertops, a large island, updated appliances, and an oversized pantry. The primary suite features a beautiful ensuite and large walk-in closet, while three additional bedrooms provide plenty of flexibility. Step outside to a fully fenced backyard, extended covered porch, and peaceful pond views--perfect for morning coffee, entertaining, or relaxing after a long day. Enjoy neighborhood amenities including a 5,000 sq. ft. pool pavilion, grilling areas, and playground. ATTENTION: Qualified buyers may be eligible for a lender-paid 1/0 temporary rate buydown through preferred lender Brenda Barclay, Southern Mortgage Solutions. Subject to borrower, loan, property and program eligibility. Terms and availability subject to change. Ask listing agent or lender for details. Brenda Barclay | Sr. Loan Officer Southern Mortgage Solutions
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Highlights

Listed by Jessica B Cowell , 740-815-6096 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.28

HOA Fee

432.59 Quarterly

Year Built

2019

County

Bay

Area

04 - Bay County - North

 Neighborhood

Fanning Bayou

Listing ID

784834

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Water Purifier Owned
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Smart Thermostat, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:75x150
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutters
Sewer:Public Sewer
Principal Interest
$2,238
Taxes
$398
HOA
$433

Home Price

$405,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$81,000
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:
$2,237.57

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,237.57 $397.50 $432.59 $3,067.66
Yearly $26,850.80 $4,770.00 $5,191.08 $36,811.88
Total $805,524.00 $143,100.00 $155,732.40 $1,104,356.40

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS