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Harrison Lilly Team

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

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3945 Red Deer Cir , Panama City, FL 32404
$354,900
Est. Payment: $1,960.77/mo
4 Bed
3 Bath
1738 Sqft
0.16 Acres
Status: Active | Days on site: 85
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Harrison Lilly Team
Owner/Operator

House Description

NEW FLOOR PLAN! This home is under construction, completion estimated for Oct/Nov 2026. Nestled in a central location in Panama City, this charming neighborhood has been thoughtfully crafted by local homebuilder Southern Coastal Homes. From the moment you arrive, a beautifully landscaped grand entrance and scenic bridge welcome you into an inviting environment. This community features wide homesites, three-sided brick homes, preserved natural areas, tranquil ponds, future green space, and a walking path for residents to enjoy. Inside this home, you'll find a wide range of high-quality upgrades including a tankless gas water heater, 9-foot ceilings, recessed lighting, painted Hardie-board siding on the front exterior, a gas kitchen range, a gas line ready for an outdoor grill, and a fully sodded yard with a sprinkler system. Tray ceilings enhance the living room and master bedroom, while the master bath includes double vanities, walk-in shower with glass door, a large walk-in closet, and convenient access to the laundry room. Additional features include a utility sink in the garage and a practical drop zone as you enter from the garage. This home is filled with beautiful finishes and thoughtful touches offering comfort, style, and everyday functionality. Buyer to verify any information deemed important. Design elements subject to change.

Highlights

Listed by Charlie W Commander , 850-819-5850 CENTURY 21 Commander Realty , 850-769-8326. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.16

HOA Fee

750 Annually

Year Built

2026

County

Bay

Area

02 - Bay County - Central

Neighborhood

Game Farm

Listing ID

790680

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Oven, Gas Range, Tankless Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Sprinkler System
Lot Dimensions:plat
Roof:Shingle
Sewer:Public Sewer
Principal Interest
$1,961
Taxes
$88
HOA
$750

Home Price

$354,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$70,980
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:
$1,960.77

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,960.77 $87.58 $750.00 $2,798.35
Yearly $23,529.26 $1,051.00 $9,000.00 $33,580.26
Total $705,877.70 $31,530.00 $270,000.00 $1,007,407.70

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: 2026-10-07T12:26:16.000Z

© 2026 Bay County Association of REALTORS