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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 213 , Panama City, FL 32401
$895,000
Est. Payment: $4,538.80/mo
3 Bed
4 Bath
2321 Sqft
Status: pending | Days on site: 7
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Positioned along the waterfront with sweeping views and an effortless sense of refinement, this exceptional luxury condominium offers a rare blend of sophisticated design, elevated comfort, and lock-and-leave convenience. Perfectly located adjacent to historic St. Andrews, owners can step beyond the gates and immediately immerse themselves in one of Bay County's most beloved waterfront districts. Enjoy walkable access to locally owned restaurants, cocktail lounges, live music, boutique shopping, weekend farmers markets, waterfront parks, and marina life -- all set against the charm and character that have made St. Andrews a destination for generations. From spontaneous sunset dinners and morning coffee walks to boating, fishing, and year-round community events, the lifestyle offered here extends far beyond the residence itself. Thoughtfully curated with an emphasis on timeless quality over trend, the residence showcases unparalleled finishes throughout, including authentic silver birch wood flooring, commercial-grade professional KitchenAid appliances, integrated Sonos surround sound, and beautifully tailored living spaces designed for both everyday comfort and elegant entertaining. Expansive walls of glass invite natural light across the main living areas while seamlessly connecting the interior to the oversized waterfront balcony -- an extension of the home itself. Complete with a built-in outdoor kitchen and gas grill, the balcony creates the perfect setting for sunset dinners, quiet mornings overlooking the water, or entertaining guests against a breathtaking coastal backdrop. Unlike many luxury waterfront residences, this home offers the ease and practicality of main-floor living, allowing effortless access for both owners and pets without the inconvenience of elevators or stairs becoming part of daily life. The primary suite and living spaces were designed to prioritize comfort, privacy, and understated elegance, creating an atmosphere that feels more akin to a private coastal retreat than a condominium. Residents enjoy access to resort-style amenities, including a heated pool maintained at approximately 80 degrees year-round, all while surrounded by one of the area's most exclusive waterfront settings. (HOA Dues include the following: Gas, Cable, Internet, Common area dues, Residential area dues, water, sewer, garbage, pest control.) This is a residence for the buyer who values craftsmanship, discretion, and lifestyle equally -- a rare opportunity to own a truly distinguished waterfront property where luxury speaks quietly, yet unmistakably.

Highlights

Listed by Jesse A Cole , 770-833-7693 Counts Real Estate Group , 850-248-3615. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2006

County

Bay

Area

02 - Bay County - Central

Neighborhood

Harbour Village At Historic St Andrews

Listing ID

790008

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Gas Cooktop, Gas Oven, Gas Range
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:Condominium
Zoning:Resid Multi-Family
Others:
  • Additional:Barbecue, Covered Patio, Dock, Outdoor Kitchen
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$4,539
Taxes
$571
HOA
$0

Home Price

$895,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$179,000
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:
$4,538.80

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,538.80 $570.56 $0.00 $5,109.36
Yearly $54,465.60 $6,846.75 $0.00 $61,312.35
Total $1,633,967.88 $205,402.50 $0.00 $1,839,370.38

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

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