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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 610 , Panama City, FL 32401
$899,000
Est. Payment: $4,966.85/mo
3 Bed
4 Bath
2321 Sqft
Status: Active | Days on site: 45
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BSTG - B3564
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Harrison Lilly Team
Owner/Operator

House Description

Spectacular Waterfront Luxury in Historic St. Andrews! Rarely available and highly coveted, this expansive corner-unit residence at Harbour Village delivers over 2,300 sq. ft. of sophisticated interior living space, perfectly paired with a massive 300+ sq. ft. covered, wrap-around balcony showcasing breathtaking, unobstructed Western and Southerly views of St. Andrew Bay.Step inside to experience true ''Old Florida Charm'' blended seamlessly with modern elegance. The soaring 10-foot ceilings and refined crown molding create an airy, grand ambiance throughout the open-concept floor plan, where floor-to-ceiling glass ensures the sparkling bay views remain your permanent backdrop. The heart of the home is a fully updated chef's kitchen, meticulously redesigned with new custom cabinetry, elegant quartz countertops, seamless under-counter lighting, and a premium suite of stainless-steel appliances. Perfect for entertaining, the kitchen flows effortlessly into the spacious living and dining areas, all oriented to capture the daily boat parade and unforgettable Emerald Coast sunsets.Wake up to paradise in the private primary retreat, featuring two entire walls of windows that flood the room with natural light and frame dramatic, panoramic water views. This serene sanctuary offers direct, private access to the wrap-around balcony, a spacious en-suite bathroom with a large walk-in shower and double vanity, and a well-appointed walk-in closet complete with custom built-in shelving and loads of storage space. Harbour Village offers an unmatched luxury lifestyle with resort-style amenities. Enjoy the convenience of a secure parking garage with elevator access directly up to your floor. The resort grounds feature a gated private marina with boat slips, a heated bay-front pool and sun deck, a convenient gym, a welcoming community room, and a unique, beautifully landscaped 1-acre rooftop park featuring a grilling gazebo and outdoor fireplace. Nestled in a golf-cart-friendly district between Oaks by the Bay Park and the active St. Andrews Marina, you are just steps from the vibrant boutiques, live music, and fun dining along Beck Avenue. 24-hour gated security completes this waterfront paradise. Schedule your private viewing today!

Highlights

Listed by Susan Morrison , 850-624-9696 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

4700 Quarterly

Year Built

2006

County

Bay

Area

02 - Bay County - Central

Neighborhood

Harbour Village At Historic St Andrews

Listing ID

793004

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Convection Oven, Electric Cooktop, Tankless Water Heater
Air Cond:Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Main Level Primary, Separate Shower, Walk-In Closet(s), Entrance Foyer

Exterior Features

Lot Dimensions:0 x 0
Sewer:Public Sewer
Parking Features:Electric Gate,Gated
Principal Interest
$4,967
Taxes
$573
HOA
$4,700

Home Price

$899,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$179,800
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:
$4,966.85

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,966.85 $573.11 $4,700.00 $10,239.96
Yearly $59,602.15 $6,877.35 $56,400.00 $122,879.50
Total $1,788,064.38 $206,320.50 $1,692,000.00 $3,686,384.88

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