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Harrison Lilly

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

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3001 W 10th St Unit 202 , Panama City, FL 32401
$450,000
Est. Payment: $2,282.08/mo
2 Bed
3 Bath
1496 Sqft
Status: active | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Sunset Bayfront Retreat - Updated & Move-In Ready in Gated Harbour Village Discover peaceful waterfront living at its finest in Harbour Village, a boutique 2006-gated community of only 116 residences on the serene shores of St. Andrews Bay. This lovingly maintained 2nd-floor condo offers the perfect blend of modern comfort and timeless coastal charm in Historic St. Andrews -- a vibrant 19th-century fishing village now filled with marinas, artisan shops along Beck Avenue, and farm-to-table favorites just steps away. No short-term rentals means a true residential sanctuary year-round. Unit 202 is all about those magical west-facing views. Step onto your private balcony -- accessible from both the living room and primary suite -- and watch breathtaking sunsets paint the bay, dolphins playing in the harbor, and boats gliding by. Thoughtfully upgraded with custom finishes and tasteful décor, this home feels warm, sophisticated, and genuinely cared for -- the kind of place that instantly feels like home. Enjoy resort-style amenities that elevate everyday living: • Heated waterfront pool with sweeping bay views • State-of-the-art fitness center • Spacious community room for gatherings • Cozy outdoor fireplace for fireside evenings • Private marina with deeded boat slips (none assigned to this unit) St. Andrews living at its best: stroll to the marina, shaded boardwalks at Oaks by the Bay Park, Saturday farmers market, and local gems like Alice's on Bayview, Uncle Ernie's, and Finns. Quick access via US 98 to Panama City Beach, and everything Northwest Florida has to offer. This cherished, family-owned condo has been meticulously maintained and is now ready for its next chapter. Motivated sellers are ready to welcome the right buyer who will love it as much as we have. Rare west-facing bay views like these don't last long in Harbour Village. Schedule your private showing today and experience why this feels like coming home to the water.

Highlights

Listed by Mark Oberg , 404-406-4887 Berkshire Hathaway HomeServices Beach Properties of Florida , 850-252-4160. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3016.22 Quarterly

Year Built

2006

County

Bay

Area

02 - Bay County - Central

Neighborhood

Harbour Village At Historic St Andrews

Listing ID

794232

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater, Warming Drawer
Air Cond:Central Air,Ceiling Fan(s),Humidity Control
Fireplaces:Electric
Other:
  • Additional:Balcony, Double Vanity, Handicap Access, Main Level Primary, Sitting Area in Primary, Soaking Tub, Separate Shower, Walk-In Closet(s), Entrance Foyer, Utility Room

Exterior Features

Lot:Paved
Lot Dimensions:no land conveys
Zoning:Resid Single Family
Roof:Membrane,Metal
Others:
  • Additional:Dock, Rain Gutters
Sewer:Public Sewer
Parking Features:Electric Gate,Gated,Paved,Community Structure
Principal Interest
$2,282
Taxes
$199
HOA
$3,016

Home Price

$450,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$90,000
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:
$2,282.08

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,282.08 $199.33 $3,016.22 $5,497.63
Yearly $27,384.94 $2,391.97 $36,194.64 $65,971.55
Total $821,548.10 $71,759.10 $1,085,839.20 $1,979,146.40

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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