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Harrison Lilly Team

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

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382 Grafton St , Panama City, FL 32409
$760,000
Est. Payment: $4,198.89/mo
5 Bed
3 Bath
3131 Sqft
0.3 Acres
Status: Active | Days on site: 97
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BKWS - B3363
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Harrison Lilly Team
Owner/Operator

House Description

Wake up to breathtaking water views and direct Gulf access from this incredible home designed for coastal living at its finest! You'll just need to add a dock to fully enjoy world-class fishing, peaceful morning coffee on the water, and unforgettable sunset views right from your backyard. Inside feels like new and showcases custom lighting in a spacious living room along with a dedicated office/den that is perfect for working from home or extra flex space. The chef-inspired kitchen features a built-in oven, microwave, and cooktop, sleek granite countertops, a breakfast nook, formal dining area, and a massive breakfast bar made for entertaining. You'll love the endless counter space, oversized pantry, and an abundance of crisp white cabinetry that keeps everything bright and organized. The primary suite is a true retreat with stunning water views, a generous layout, huge walk-in closet, soaking tub, separate shower, and double vanity. Each additional bedroom is spacious with large closets, giving everyone room to spread out comfortably. Step outside to your covered patio and fully fenced backyard with a beautiful paver patio that is perfect for grilling, relaxing, and spotting dolphins passing by. When you're ready to leave your private oasis, enjoy resort-style amenities including a community pool, kids' park, and more! Coastal living doesn't get better than​​‌​​​​‌​​‌‌​‌‌​​​‌‌​​‌‌​‌​​​‌​‌ this.

Highlights

Listed by Mindi A Sato , 850-628-3118 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.3

HOA Fee

432.59 Quarterly

Year Built

2020

County

Bay

Area

04 - Bay County - North

Neighborhood

Fanning Bayou

Listing ID

790380

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Coffered Ceiling(s), Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:101x135x131
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Principal Interest
$4,199
Taxes
$623
HOA
$433

Home Price

$760,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$152,000
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:
$4,198.89

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,198.89 $623.33 $432.59 $5,254.81
Yearly $50,386.69 $7,480.00 $5,191.08 $63,057.77
Total $1,511,600.59 $224,400.00 $155,732.40 $1,891,732.99

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS