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Harrison Lilly Team

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

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3001 W 10th St Unit 203 , Panama City, FL 32401
$880,000
Est. Payment: $4,861.87/mo
3 Bed
3 Bath
1997 Sqft
Status: Active | Days on site: 20
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SCSL - B6364
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Harrison Lilly Team
Owner/Operator

House Description

Harbour Village #203 -- Waterfront Living in the Heart of Historic St. Andrews Some properties offer a water view. Harbour Village #203 offers a true waterfront lifestyle. Beautifully appointed and thoughtfully designed, this residence stands apart even within Harbour Village, combining an elegant interior with several valuable features that are difficult to replicate -- particularly for the serious boater. The property includes boat accommodations capable of handling a vessel up to 20,000 pounds, with both water and electricity run directly to the boat slips. For fishing and days on the water, the setup gets even better: #203 includes two approximately 8' x 15' private storage units, both heated and cooled with climate control, plus convenient access to an ice machine and freezer space for fish storage. ***$100k value*** These aren't simply extras -- they're features that make waterfront living considerably easier. The residence itself is just as impressive. The interior is beautifully decorated with a warm, refined coastal feel that complements the setting without feeling overly themed. The floor plan offers three bedrooms and three bathrooms, with an important distinction from some other residences in the building: each bedroom has direct access to a bathroom, rather than the third bath being accessible only from the hallway. Natural light and access to the outdoors are another standout. Sliding glass doors are located in both the living room and bedroom, creating two connections to the waterfront surroundings where many units offer only one. The unit also features double entry doors, another upgrade from the single-door configuration found in many residences, making the entrance feel substantially more open and impressive. And then there is the location. Harbour Village sits directly in Historic St. Andrews, one of Panama City's most distinctive waterfront neighborhoods. St. Andrews grew from its roots in fishing, boating and maritime commerce into the walkable bayside community it is today. Beck Avenue and the surrounding streets are lined with locally owned restaurants, shops and gathering places, while the marina, parks, waterfront and community events keep the neighborhood connected to the bay. This is a place where you can leave the car parked, walk out your door for dinner or drinks, stroll along the waterfront, visit the Saturday market at Oaks by the Bay, or get on your boat and head out onto St. Andrews Bay. The City describes St. Andrews Marina as a gateway to the bay and Gulf of Mexico, and that connection to boating remains a defining part of the neighborhood. Harbour Village #203 isn't simply a beautifully finished condominium overlooking the water. It's a residence designed around actually living on it. With substantial boat capacity, two climate-controlled storage units, water and power at the slips, an enhanced three-bedroom/three-bath layout, dual sliding-glass-door access and a prime position in Historic St. Andrews, #203 offers a combination that's exceptionally difficult to duplicate.

Highlights

Listed by Brenton Hitchcock , 850-738-5002 Hitchcock Real Estate LLC , 850-481-0095. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1250 Monthly

Year Built

2006

County

Bay

Area

02 - Bay County - Central

Neighborhood

Harbour Village At Historic St Andrews

Listing ID

795529

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Others:
  • ▪ Additional:Boat Lift, Boat Slip, Dock
Sewer:Public Sewer
Parking Features:Community Structure
Principal Interest
$4,862
Taxes
$745
HOA
$1,250

Home Price

$880,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$176,000
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Monthly Price:
$4,861.87

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,861.87 $744.81 $1,250.00 $6,856.68
Yearly $58,342.48 $8,937.71 $15,000.00 $82,280.19
Total $1,750,274.37 $268,131.30 $450,000.00 $2,468,405.67

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS