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Harrison Lilly Team

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

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325 Confidence Way , Panama City, FL 32409
$949,000
Est. Payment: $5,243.09/mo
4 Bed
4 Bath
2761 Sqft
0.35 Acres
Status: Active | Days on site: 45
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Harrison Lilly Team
Owner/Operator

House Description

EXTRAORDINARY 1.99% ASSUMABLE VA LOAN available to qualified buyers, subject to lender approval. Welcome to 325 Confidence Way, where peaceful bayou living meets Gulf-access adventure. Positioned directly on the water in the desirable Fanning Bayou community, this exceptional home offers boating access to the Gulf, Shell Island and Gulf Intracoastal Waterway destinations, including Crab Island. Enjoy wide water views from the main living areas, primary suite and expansive screened porch. Envision building your own private dock and creating the waterfront lifestyle you have always wanted. Across the street, a recorded conservation easement requires the land to be maintained forever predominantly in its natural condition and prohibits buildings and other structures, providing a protected natural buffer. Inside, the bright, open-concept design is filled with natural light and thoughtfully arranged for everyday living and entertaining. Updated lighting fixtures throughout add a stylish, contemporary touch. The spacious gathering room features a tray ceiling, recessed lighting and picturesque bayou views. The adjoining dining area flows into a well-appointed kitchen featuring an oversized granite island, abundant cabinetry, stainless steel appliances, double ovens, range hood and walk-in pantry. The waterfront primary suite offers a peaceful retreat with a tray ceiling and beautiful bayou views. The spacious bath features dual vanities, a soaking tub, and a separate shower while the walk in closet includes a custom organization system. Custom-designed closet organization systems are found throughout the home, offering abundant built-in shelving, hanging space and storage. Step outside to the screened waterfront porch and enjoy morning coffee, evening sunsets and the ever-changing bayou scenery. The spacious three car garage offers ample parking along with built in storage for boating equipment and recreational gear. The roof was replaced in 2023 with GAF Timberline HDZ shingles and GAF WeatherWatch underlayment, adding another valuable improvement. Community amenities include a resort-style pool, hot tub, covered gathering pavilion and playground. With its direct bayou frontage, exceptional boating access, protected natural surroundings, spacious open layout and remarkably low assumable interest rate, 325 Confidence Way presents a rare opportunity to enjoy the best of Northwest Florida waterfront living.

Highlights

Listed by Melissa Barbee , 850-775-7600 Barbee Beach House Realty , 850-775-7600. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.35

HOA Fee

432.59 Quarterly

Year Built

2020

County

Bay

Area

04 - Bay County - North

Neighborhood

Fanning Bayou

Listing ID

794698

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Electric Cooktop, Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Smart Home, Smart Thermostat, Pantry

Exterior Features

Lot:Paved
Lot Dimensions:Irregular Lot-See Survey
Roof:Asphalt
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$5,243
Taxes
$383
HOA
$433

Home Price

$949,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$189,800
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:
$5,243.09

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,243.09 $383.05 $432.59 $6,058.73
Yearly $62,917.06 $4,596.58 $5,191.08 $72,704.72
Total $1,887,511.79 $137,897.40 $155,732.40 $2,181,141.59

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