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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 713 , Panama City, FL 32401
$895,000
Est. Payment: $4,944.75/mo
3 Bed
4 Bath
2321 Sqft
Status: Active | Days on site: 96
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Harrison Lilly Team
Owner/Operator

House Description

YOU can be looking at secluded Shell Island from your private retreat at Harbour Village - just steps from a waterfront park shaded by magnificent 100+ -year-old oak trees. Here, the beauty of St Andrews surrounds you, with the Marina, bay sunsets and Gulf waters creating a setting that feels worlds away while remaining connected to the character and charm of this historic community. Experience exceptional waterfront living in this beautifully upgraded 7th floor residence at Harbour Village. Everything you would expect in a luxury residence, including open living spaces with rich wood grain premium porcelain tile flooring throughout, granite countertops, upgraded windows & doors in 2020, custom lighting and designer ceiling fans, whole house dehumidifier, abundant custom storage cabinetry, a cozy gas fireplace, Allen & Roth closet system, and new LG washer & dryer. Two remote controlled Phantom sunscreens on the west-facing balcony provide comfort while you relax and enjoy the ever-changing waterfront scenery. Harbour Village is nestled in the heart of historic St Andrews. Step outside to visit the one-of-a-kind local shops, dine on seafood that swam in the Gulf just last night, and enjoy a way of life open only to a fortunate few . Watch local vessels and Intracoastal shipping cruise to and from the small St Andrews Marina or City Port. Enjoy a short boat trip to pristine Shell Island. Residence #713 is a desirable corner unit offering spectacular 270 degree panoramic views of unforgettable sunrises and sunsets. The location of the unit screens it from the bustle and noise of the nearby public Marina, the commercial businesses, and numerous popular eateries. Homeowners enjoy approximately 2 acres of beautifully landscaped gated rooftop garden above the parking garage, featuring gas grills, walking paths, and a gazebo with an outdoor fireplace - an inviting setting for entertaining friends or gathering with neighbors, or simply enjoying the peaceful surroundings. Harbour Village also offers more than 600 feet of sandy Beach, perfect for shelling, wade fishing, relaxing in a beach chair, birdwatching or ending the day with a spectacular St Andrews sunset. Your vehicle is protected in the clean, secure community parking garage. This is more than a condominium - it's a waterfront lifestyle that few have the opportunity to experience. Those who know St Andrews recognize the value of its history, character and irreplaceable waterfront setting. A home you MUST SEE to appreciate. Purchase includes Garage Storage #S04 - 405 cu.ft. climate-controlled. Also available - Furnishings and Boat Slip: Furnishings as shown are available for purchase separately, with price negotiable. 38' Boat slip & Marina storage are also available separately; pricing to be determined.

Highlights

Listed by Shirley A Pittman , 850-258-2856 Blue Coral R E Group LLC , 850-778-2583. 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

792144

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Interior Features

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

Exterior Features

Lot Dimensions:0x0
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Dock
Sewer:Public Sewer
Principal Interest
$4,945
Taxes
$589
HOA
$4,700

Home Price

$895,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$179,000
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Monthly Price:
$4,944.75

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,944.75 $588.58 $4,700.00 $10,233.33
Yearly $59,336.95 $7,063.00 $56,400.00 $122,799.95
Total $1,780,108.59 $211,890.00 $1,692,000.00 $3,683,998.59

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

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