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Harrison Lilly

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

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2816 Mary Baldwin Cir , Panama City, FL 32405
$399,900
Est. Payment: $2,028.22/mo
3 Bed
2 Bath
1640 Sqft
Status: active | Days on site: 89
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

MOTIVATED SELLER | ALL OFFERS WELCOME! Welcome to 2816 Mary Baldwin Circle, a meticulously maintained 3-bedroom, 2-bath home situated on a spacious corner lot beneath beautiful mature oak trees. Every improvement has been thoughtfully completed, creating a home that offers both timeless character and modern convenience. From the moment you step inside, you'll notice soaring vaulted ceilings, abundant natural light, and gorgeous real bamboo flooring throughout the main living areas. Every detail has been carefully considered, from the upgraded matching light fixtures to the matching mahogany exterior doors, including the matching mahogany sliding glass door in the primary suite. The updated kitchen features quartz countertops, stainless steel appliances, abundant cabinetry, and a large island overlooking the dining room, making it ideal for entertaining or everyday living. Major improvements have already been completed for the next owner, including a new roof, HVAC system, and beautifully renovated bathrooms in 2019. An active transferable termite bond offers additional peace of mind, while the oversized garage features a newly epoxy-coated floor and electric car charging station. Outside, you'll also find a large storage building with the potential for electrical hookup and beautifully maintained landscaping surrounding the spacious corner lot. For even greater flexibility, the home is being offered furnished or unfurnished, allowing the next owner to move right in or personalize the space to fit their lifestyle. Conveniently located near shopping, dining, schools, Tyndall Air Force Base, and just a short drive to the white-sand beaches of Panama City Beach, this home offers both comfort and convenience in one exceptional package. This home has been lovingly cared for, exceptionally maintained, and is truly move-in ready. If you've been searching for a quality home where the major updates have already been completed, this is one you don't want to miss. Schedule your private showing today!

Highlights

Listed by Frank Trenholm , 850-774-8944 and Heather Davis , 678-850-1936 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.4

Year Built

1984

County

Bay

Area

02 - Bay County - Central

Neighborhood

Forest Hills Unit 3

Listing ID

789654

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:100 x 175
Zoning:Resid Single Family
Roof:Shingle
Sewer:Public Sewer
Principal Interest
$2,028
Taxes
$344

Home Price

$399,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,980
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:
$2,028.22

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,028.22 $344.17 $0.00 $2,372.38
Yearly $24,338.61 $4,130.00 $0.00 $28,468.61
Total $730,158.25 $123,900.00 $0.00 $854,058.25

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